©2014 by Robert Brown Butler All rights reserved. Except as allowed under the U. S. Copyright Act of 1976 or for use in a review, no part of this publication may be reproduced, distributed,or transmitted in any form or by any means or stored in a database or retrieval system including any uploading, or distribution via the Internet without prior and express written permission of the author. Photos appearing in this book are owned by the author, public domain, or licensed under the Creative Commons Attributions or GNU Free Documentation License except where otherwise noted. Neither the author nor publisher guarantee the accuracy, completeness, or validity of any information published herein; nor shall they be responsible for any errors, omissions, or damages arising out of the use of this information; nor shall this book be considered as rendering professional services. Any use or misuse of the in- formation presented herein is the responsibility of the user, who shall be responsible or liable with respect to any loss or damage caused or alleged to have caused by the information contained in this book.

The delight of defeating

a disaster awaits you...

With this book close by, no longer will you cower under the threat of impending misfortune; for its pages will empower you with the kind of confidence and knowledge that will lead you to manage your experiences better, suffer less, and spend less money no matter how, when, or where a disaster may lay you low.

Whether you are at home, at work, visiting a public building, overnighting in a hotel, or driving somewhere, this reference could save not only your life, but those of your loved ones, business colleagues, friends, even strangers whose fate is suddenly woven with yours.