Royalty Report: Drugs, Drug Discovery, Biotechnology – Collection: 336310

$150.00

Curated Royalty Rate Report
Category: Technology Licenses, Created On: 2022-04-28, Record Count: 9

Description

This collection of transactions and supporting information was developed using our AI algorithm to curate similar royalty reports into a cohesive collection to support your licensing, transfer pricing or other transaction scenarios where documented royalty rates and/or deal terms are important.
Category: Technology Licenses
Created On: 2022-04-28
Record Count: 9

Primary Industries

  • Drugs
  • Drug Discovery
  • Biotechnology
  • Cancer
  • Antibody
  • Veterinary
  • Vaccine
  • Therapeutic
  • Proteins

IPSCIO Report Record List

Below you will find the records curated into this collection.  This summary includes the complete licensed property description so that you can review and determine if this collection covers the topics, technology or transaction type that is relevant for your needs.  The full report will include all relevant deal data such as the royalty base, agreement date, term description, royalty rates and other deal terms.  For reference, here is a sample of a full IPSCIO curated royalty rate report: Sample Report

IPSCIO Record ID: 336310

License Grant
The Canadian University grants an exclusive license in all jurisdictions of the world to the Licensed Technology for the purpose of developing, producing, exploiting, using, selling or otherwise commercially exploiting, or having developed, produced, used, sold or otherwise commercially exploited, the Licensed Technology for use in non-humans, and for use in technology relating to the GDF-8 protein in both humans and non-humans but specifically excluding use of the Licensed Technology in vaccines to prevent infectious diseases.

For greater particularity and notwithstanding the foregoing, this license is non-exclusive as to its use for diagnostic applications for Pasteurella haemolytica or Bovine Herpes Virus-1 antibodies.

License Property
Licensed Technology means the Adjuvant Technology and proteins, peptides, nucleic acids, antibodies and adjuvants and methods of production and uses described in the Licensed Patents referenced including the use of Pasteurella haemolytica or Bovine Herpes Virus-1 antigens as immunological carriers, including products based upon leukotoxin carrier, GnRh or vasoactive intestinal peptide, and further includes all provisional applications, know-how, proprietary technical data, information, biological materials and reagents useful in  working with the subject matter of the Licensed Patents.

Licensed Patents include Adjuvant Formulation with Enhanced Immunogenic Activity, and Related Compositions and Methods; Nucleotide Sequences Encoding Recombinant Bovine Herpesvirus Type 1, gl, gill, gIV Polypeptides; Bovine Herpesvirus Type 1 Polypeptides and Vaccines;  Compositions and Treatments for Pneumonia in Animals, and other related patents.

Myostatin Product means a Product that comprises myostatin also known as growth differentiating factor 8 (GDF-8) protein, peptide or nucleic acid.

Field of Use
The field is for use in non-humans, and for use in technology relating to the GDF-8 protein in both humans and non-humans.

IPSCIO Record ID: 6674

License Grant
The Canadian Licensor hereby grants to the Canadian Company for the Licensed Field and in the Licensed Territory, a worldwide exclusive license to exploit the Assets, particularly including but not limited to the Patents, to develop and have developed, to make and have made (including contract production by a toll manufacturer), to use and have used, and to sell or have sold, and otherwise dispose of, Licensed Product.
License Property
The license is non-exclusive with respect to diagnostic  applications for P. haemolytica antibodies and excludes applications related to infectious diseases.

Norelintm is a therapeutic vaccine designed to stimulate in patients production of antibodies against GnRH, resulting in reduced production of hormones that may cause or contribute to the growth of certain sex-hormone dependent cancers.  It has completed a Phase I/II safety and immunogenicity trial in hormone-sensitive prostate cancer suggesting that the approach may be better tolerated than currently available therapies.

Compositions and Treatments for Pneumonia in Animals

Issued U.S. Patent No. 5,849,531 a

Leukotoxin Vaccine Compositions and Uses Thereof

Issued U.S. Patent No. 5,871,750 a

Pasteurella haemolytica Leukotoxin Compositions and Uses Thereof

Issued U.S. Patent No. 5,476,657 a

B.       Robins and Associates Patent Series 9001-0016

Enhanced Immunogenicity Using Leukotoxin Chimeras

         U.S. Application 08/976,566 a

         U.S. Patent 5,708,155 a

         U.S. Patent 5,422,110 a

GnRH Leukotoxin Chimeras

         U.S. Application 09/383,912 a

         U.S. Patent 5,969,126 a

         U.S. Patent 5,723,129 a

         U.S. Patent 5,837,268 a

         U.S. Patent 6,022,960 a

Field of Use
Licensed Field means, and is limited to, the exploitation of the Assets in respect of Licensed Products for use in humans, comprising Gonadotrophin Hormone Releasing Hormone (GnRH), Pasteurella haemolytica proteins or peptides combined with GnRH or Epidermal Growth Factor Receptors or Epidermal Growth Factor Receptor Ligands as defined in Exhibit B hereto, and for clarity excludes all products comprising GDF-8 or Myostatin, and further excludes applications of the Assets and the Patents relating to the diagnosis, treatment, or prevention of infectious diseases.  Assets and know-how in the field of GnRH vaccines and immunological carriers based on Pasteurella haemolytica for humans by, amongst other activities, performing preclinical investigations and a clinical investigation of a certain product, Norelin.

IPSCIO Record ID: 372551

License Grant
For the Grant of Licensee Product License by Licensor of the United Kingdom To Licensee, In the event Licensor notifies Licensee above that a Nominated Target has passed the Licensor Gatekeeping Procedure, then upon receipt by Licensor of the applicable Acceptance Fee, Licensor agrees to grant and hereby grants to a non-exclusive license, with the right to sublicense, under the Licensor Antibody Phage Display Patents and Licensor Know-How to Exploit Products against such Nominated Target in the Territory, the Licensee Product License.

For the Grant of Other Licenses for Other Products, Licensor grants with effect from 3 January 2003 to Licensee a non-exclusive license in the Territory, with the right to sublicense, under the Licensor Antibody Phage Display Patents and the Licensor Know How for any purpose not already covered by the provisions of this Agreement, Other Purposes, including to Exploit any product, other than a Therapeutic Antibody Product, Diagnostic Antibody Product or Research Product, whose development, manufacture, use or sale would, absent the license hereunder, infringe Valid Claims of the Licensor Antibody Phage Display Patents or utilize the Licensor Know-How, Other Product License.

License Property
Licensor is the owner or exclusive licensee of the Licensor Antibody Phage Display Patents.

Antibody means a molecule or a gene encoding such a molecule comprising or containing one or more immunoglobulin variable domains or parts of such domains or any existing or future fragments, variants, modifications or derivatives thereof.

Licensor Product means any preparation for the treatment or prevention of disease, infection, or other condition in humans for any indication which contains, comprises, or the process of development or manufacture of which utilizes a Licensee Licensable Antibody, or, any preparation in the form of a device, compound, kit or service with utility in the diagnosis, prognosis, prediction, or disease management of a disorder for any indication which contains, comprises or the process of development or manufacture of which utilizes a Licensee Licensable Antibody.

Diagnostic Antibody Product means any preparation in the form of a device, compound, kit or service with utility in the diagnosis, prognosis, prediction or disease management of a disorder for any indication which contains, comprises or the process of development or manufacture of which utilizes a Licensor Licensable Antibody.

Target shall mean
— a polynucleotide sequence corresponding to a sequence identified in a publicly available curated
database such as GenBank® by means of an accession number or similar sequence information
that uniquely identifies that sequence;
— a non-proteinaceous antigen that is uniquely identifiable in a routine manner using publicly
available curated databases and/or such other suitable written material as is available.

The Licensor Know-How includes
— Training Manual 'Antibody Phage Display' 2002.
— mammalian expression IgG vectors
—-pEU1 .2 (human gamma-1 heavy chain)
—-pEU3.2 (human kappa light chain)
—-pEU4.2 (human lambda light chain), and,
—-pEU8.2 (human gamma-4 heavy chain).

Field of Use
Antibody phage display is a versatile, in vitro selection technology that can be utilized to discover high affinity antibodies specific to a wide variety of antigens (94).

The Field of Use means research and development of human or non-human therapeutics and human or nonhuman in vitro diagnostic or research reagent uses only and not any in vivo diagnostics, purifications or separations, or other industrial purposes.

IPSCIO Record ID: 26019

License Grant
Licensor hereby grants to Licensee and its designated Affiliates which agree in writing to comply with the terms and conditions of this Agreement an exclusive, royalty-bearing license under the GI GDF-8 Technology, including the right to grant sublicenses, (i) to make, have made, use, import, market, offer for sale and sell GDF-8 Licensed Products in the Territory, in each case only for use solely in the Licensee Field and (ii) to make, have made and use GDF-8 Licensed Products and GI Excluded Products for Licensee's and/or its designated Affiliates’ internal research and development purposes provided, however, that no GI Excluded Product may be the subject of a Licensee animal or clinical study without the express prior written consent of Licensor, which may be withheld in its sole discretion.
License Property
GDF-8 shall mean the TGF-(b Factor known as GDF-8.

GDF-8 Derivative Product shall mean any pharmaceutical product which primarily acts as
(i) an antagonist or agonist of GDF-8 or the GDF-8 receptor,

(ii) a vaccine against GDF-8,

(iii) a modifier of GDF-8 synthesis, or

(iv) a modulator of the GDF-8 signal transduction pathway, only to the extent that such pharmaceutical product is both (a) developed or sold for the purposes of modulating the effects of GDF-8, and (b) is covered by one or more Valid Claims included within the applicable GDF-8 Patent Rights licensed.

GDF-8 Product shall mean GDF-8, including any and all

(i) formulations, mixtures or compositions of GDF-8,

(ii) antibodies targeted against GDF-8,
(iii) receptors for which GDF-8 is a ligand,
(iv) antisense molecules or ribozymes that modulate the in vivo production of GDF-8, and
(v) other products for research, diagnostic or therapeutic use containing GDF-8 or any of (i) through
(iv) above, which, or which the manufacture use or sale of which, is covered by one or more Valid Claims included within the applicable GDF-8 Patent Rights licensed.

GDF-8 Patent Rights shall mean, with respect to GDF-8, any GDF-8 Product, or any GDF-8 Derivative Product (a) all Patents covering inventions.

Our initial focus in the GDF area has been on technologies incorporating Myostatin (also known as GDF-8), a naturally occurring, patented protein that acts to limit skeletal muscle development. Studies have demonstrated that the removal or inhibition of Myostatin results in accelerated and increased development of skeletal muscle tissue (i.e., meat). We have an early stage discovery initiative focused on the identification of agents to effect the inhibition of Myostatin in beef, poultry and swine.

Growth differentiation factor 8, abbreviated GDF-8) is a protein that in humans is encoded by the MSTN gene.

IPSCIO Record ID: 28727

License Grant
Licensor hereby grants to GI and its designated Affiliates which agree in writing to comply with the terms and conditions of this Agreement (with a copy of such written agreement being provided to Licensor) an exclusive, royalty-bearing license under the Licensor GDF-8 Technology, including the right to grant sublicenses, (i) to make, have made, use, import, market, offer for sale and sell GDF-8 Licensed Products in the Territory, in each case only for use solely in the GI Field and (ii) to make, have made and use GDF-8 Licensed Products and Licensor Excluded Products for GI’s and/or its designated Affiliates’ internal research and development purposes (provided, however, that no Licensor Excluded Product may bethe subject of a GI animal or clinical study without the express prior written consent of Licensor, which may be withheld in its sole discretion).
License Property
GDF-8 shall mean the TGF-(b Factor known as GDF-8.

GDF-8 Derivative Product shall mean any pharmaceutical product which primarily acts as

(i) an antagonist or agonist of GDF-8 or the GDF-8 receptor,

(ii) a vaccine against GDF-8,

(iii) a modifier of GDF-8 synthesis, or

(iv) a modulator of the GDF-8 signal transduction pathway, only to the extent that such pharmaceutical product is both (a) developed or sold for the purposes of modulating the effects of GDF-8, and (b) is covered by one or more Valid Claims included within the applicable GDF-8 Patent Rights licensed

GDF-8 Product shall mean GDF-8, including any and all

(i) formulations, mixtures or compositions of GDF-8,

(ii) antibodies targeted against GDF-8,
                (iii) receptors for which GDF-8 is a ligand,
                (iv) antisense molecules or ribozymes that modulate the in vivo production of GDF-8, and

(v) other products for research, diagnostic or therapeutic use containing GDF-8 or any of (i) through (iv) above, which, or which the manufacture use or sale of which, is covered by one or more Valid Claims included within the applicable GDF-8 Patent Rights licensed.

GDF-8 Patent Rights shall mean, with respect to GDF-8, any GDF-8 Product, or any GDF-8 Derivative Product (a) all Patents covering inventions

Our initial focus in the GDF area has been on technologies incorporating Myostatin (also known as GDF-8), a naturally occurring, patented protein that acts to limit skeletal muscle development. Studies have demonstrated that the removal or inhibition of Myostatin results in accelerated and increased development of skeletal muscle tissue (i.e., meat). We have an early stage discovery initiative focused on the identification of agents to effect the inhibition of Myostatin in beef, poultry and swine.

Growth differentiation factor 8, abbreviated GDF-8) is a protein that in humans is encoded by the MSTN gene.

IPSCIO Record ID: 372489

License Grant
For the Grant of Licensee Product License by Licensor of the United Kingdom, in the event Licensor notifies Licensee that a Nominated Target has passed the Licensor Gatekeeping Procedure, then, Licensor grants a non-exclusive license, with the right to sublicense, under the Licensor Antibody Phage Display Patents and Licensor Know-How to Exploit Products against such Nominated Target in the Territory.

For Other Products, Licensor grants with effect from  January 3, 2003 to Licensee a non-exclusive license in the Territory, with the right to sublicense, under the Licensor Antibody Phage Display Patents and the Licensor Know-How for any purpose not already covered by the provisions of this Agreement, Other Purposes, including to Exploit any product, other than a Therapeutic Antibody Product, Diagnostic Antibody Product or Research Product, whose development, manufacture, use or sale would, absent the license hereunder, infringe Valid Claims of the Licensor Antibody Phage Display Patents or utilize the Licensor Know-How.

License Property
Licensor is the owner or exclusive licensee of the Licensor Antibody Phage Display Patents.

Antibody means a molecule or a gene encoding such a molecule comprising or containing one or more immunoglobulin variable domains or parts of such domains or any existing or future fragments, variants, modifications or derivatives thereof.

Catalytic Antibodies means solely those Antibodies which bind to and catalyze the chemical transformation of a substrate and in which an Antibody binding region is involved in said catalysis.

D2E7 means any Antibody directed against the Target TNF alpha.

Licensor Licensable Antibody means any Antibody, including a Bi-Specific Antibody or a PolySpecific Antibody, to a Target where such Antibody has been identified, generated, developed, produced or derived by Licensee or a Licensee Sublicensee.

Product means a Diagnostic Antibody Product or a Therapeutic Antibody Product.

Single Domain Antibodies means an Antibody containing only a single domain, heavy or light.

Target shall mean
— a polynucleotide sequence corresponding to a sequence identified in a publicly available curated database such as GenBank® by means of an accession number or similar sequence information that uniquely identifies that sequence;
— a non-proteinaceous antigen that is uniquely identifiable in a routine manner using publicly available curated databases and/or such other suitable written material as is available.

Antibody Phage Display Patents include Single domain ligands, receptors comprising said ligands, methods for their production and use of said ligands and receptors, and, Cloning immunoglobulin variable domain sequences.

Know-how includes
Licensor mammalian expression lgG vectors
— pEU1.2 (hwnangamma-1 heavy chain)
— pEU3.2 (human kappa light chain)
— pEU4.2 (human lambda light chain)
— pEU8.2 (human gamma-4 heavy chain)

Antibody phage display is a versatile, in vitro selection technology that can be utilized to discover high affinity antibodies specific to a wide variety of antigens (94).

Field of Use
The Field of Use means research and development of human or non-human therapeutics and human or nonhuman in vitro diagnostic or research reagent uses only and not any in vivo diagnostics, purifications or separations, or other industrial purposes.

IPSCIO Record ID: 256276

License Grant
The Licensor of England grants to Licensee of Germany a nonexclusive, worldwide license under the Licensor Licensed Patents and the Licensor Background Know-How to Exploit Licensed Products in the Field.
License Property
Licensor is a UK-based biotechnology company using its proprietary technologies and capabilities in human monoclonal antibodies for drug discovery and drug development.

Licensed Product means any product, substance or formulation arising from the Target Program, and the Development, manufacture, importation, use or sale of which would but for the provisions of this Agreement infringe one or more Valid Claims under the Licensor Licensed Patents, or which utilizes the Licensor Background Know-How.

The know-how includes Training Manual Antibody Phage Display 2002, and, mammalian expression IgG vectors.

Field of Use
The Field means the prognosis, diagnosis, prophylaxis or treatment of human diseases or conditions by modulation of the Target. Target means the whole or part and natural variants of the granulocyte-macrophage colony stimulating factor (GM-CSF) identified by the SWISS-PROT entry name CSF2_HUMAN and accession number P04141 with the amino acid sequence which is specifically recognized by an Antibody binding to the foregoing.

Licensee obtains the right within the framework of their collaboration to use Licensor’s intellectual property in phage display to create and commercialise novel antibody products against a defined number of targets.

IPSCIO Record ID: 324837

License Grant
University grants an exclusive license to make, have made, use and sell Licensed Products in the Licensed Field in the Licensed Territory under Licensed Patents, Licensed Know-how and University Confidential Technology, with the right to sublicense third parties.
License Property
University has developed and is continuing to develop technology relating to Totally Synthetic Affinity Reagents; hereinafter TSAR Technology.

The patents are Totally Synthetic Affinity Reagents Fowlkes/Kay and Totally Synthetic Affinity Reagents Fowlkes/Kay-CON.

TSAR Technology, based on or resulting from data developed in the laboratories of Dr. Dana Fowlkes and Dr. Brian Kay, shall also mean and collectively include the identification, production, manufacture and/or utilization of (a) TSARs which includes any proteins, polypeptides and/or peptides, having specific binding affinity for any of a wide variety of ligands or portions thereof, said ligands, including but not limited to a chemical group, an ion, a metal, a synthetic organic compound, a bioorganic compound, an inorganic compound, a protein or peptide, a nucleic acid, a carbohydrate, a lipid, a fatty acid, a viral particle, a membrane vesicle, a cell wall component, or any portion of any of the above, identified by a process encompassing screening a library of vectors expressing a plurality of semi-random or random oligonucleotide sequences to identify those encoding a protein, polypeptide or peptide having specificity for a ligand of choice; (b) nucleotide sequences encoding TSARs; (c) vectors and/or libraries of vectors containing nucleotide sequences encoding TSARs; and (d) transformed cells containing the vectors encoding TSARs. The TSARs shall include both (a) unifunctional proteins, polypeptides and/or peptides having a binding domain with affinity for a ligand; and (b) heterofunctional proteins, polypeptides and/or peptides having a binding domain with affinity for a ligand and one or more biologically or chemically active effector domains, in which the binding domain and the effector domain can optionally be joined by a linker domain which is either stable or susceptible to cleavage.

Field of Use
Licensee believes its TSARs/SynGenes technology may represent a significant advance over monoclonal antibody delivery systems for certain applications.  TSARs/SynGenes can be chemically synthesized, making their production simpler and less expensive than the production of monoclonal antibodies, which are biologically produced and then chemically modified.

Research on TSARs/SynGenes to date has focused on (i) product development in the oncology area in conjunction with Licensee's future product development programs and (ii) additional areas of basic research which, if successful, may become the foundation for products outside of oncology and for out-licensing opportunities based on this technology.

Licensed Field shall mean all purposes of Licensed Products including, without limitation, therapeutic and diagnostic uses .

Licensee has exercised its right under the aforementioned Option Agreement to acquire an exclusive license to commercialize the TSAR Technology for the ultimate benefit of the public.

IPSCIO Record ID: 291151

License Grant
The Irish Licensor hereby grants to Licensee a worldwide, non-exclusive, non-transferable license, without any right to sublicense, under the Licensor Patent Rights and the Licensor Know-How to (a) on its own behalf and on behalf of a Licensee Development Partner or Licensee Collaborator, make or have made Licensed Antibody Phage Display Materials; (b) on its own behalf and on behalf of a Licensee Collaborator, transfer Licensed Antibody Phage Display Materials; (c) on its own behalf and on behalf of a Licensee Development Partner or Licensee Collaborator, conduct Antibody Phage Display to identify and isolate Licensed Immunoglobulin; (d) on its own behalf and on behalf of a Licensee Development Partner or Licensee Collaborator, use the Licensor Expression Technology in connection with the use of Licensed Antibody Phage Display Materials to make or have made Research Quantities of Licensed Immunoglobulin; (e) on its own behalf and on behalf of a Licensee Development Partner or Licensee Collaborator, use Licensed Immunoglobulin or Licensed Immunoglobulin Information to research and develop, make, have made, use, offer for sale, sell and have sold, import and have imported Products for use in the treatment, prophylaxis, diagnosis or monitoring of a human disease state or condition; and (f) on its own behalf and on behalf of a Licensee Development Partner, to make, have made, use, offer for sale, sell and have sold, import and have imported Products for use in the treatment, prophylaxis, diagnosis or monitoring of a human disease state or condition.
License Property
Licensor Patent Rights means

5,618,920 – Modular assembly of antibody genes, antibodies prepared thereby and use
5,028,530 – AraB promoters and method of producing polypeptides, including cecropins, by microbiological techniques
5,846,818 – Pectate lyase signal sequence

Licensed Antibody Phage Display Materials means (i) any collection or library of polynucleotide sequences, created by and under the exclusive control of Licensee, which encodes at least one Immunoglobulin and which is contained in filamentous bacteriophage and/or bacteriophage or phagemid cloning vectors capable of propagation in bacteria; or (ii) any collection or library of bacteriophage, created by or under the exclusive control of Licensee, wherein an Immunoglobulin is expressed as a fusion protein comprising an Immunoglobulin or at least a functionally operating region of an antibody variable region and an outer surface polypeptide of a bacteriophage. For the avoidance of doubt, and without expanding the definition thereof, specifically excluded from the definition of Licensed Antibody Phage Display Materials are (x) any article of manufacture or composition of matter suitable for display, expression or secretion of an Immunoglobulin in or from any organism or system other than bacteria and (y) any materials or composition of matter otherwise meeting the definition of Licensed Antibody Phage Display Materials but created by or under the control of any entity, other than Licensee, engaged in a Commercial Antibody Phage Display Business; provided, that, notwithstanding the foregoing, any materials or composition of matter otherwise meeting the definition of Licensed Antibody Phage Display Materials but created by or under the exclusive control of a Licensee Collaborator shall constitute Licensed Antibody Phage Display Materials, but only to the extent derived by such Licensee Collaborator exclusively from Licensed Antibody Phage Display Materials created by or under the exclusive control of Licensee and properly transferred by Licensee to such Licensee Collaborator in accordance with the applicable provisions of this Agreement and such Licensee Collaborator acknowledges that the transfer restrictions and other provisions hereof apply thereto.

Licensed Immunoglobulin means any Immunoglobulin discovered, isolated or characterized by Licensee or a Licensee Collaborator (as defined above) through the use of Licensed Antibody Phage Display Materials.

Licensed Immunoglobulin Information means any data, know-how or other information relating, concerning or pertaining to a Licensed Immunoglobulin, including, without limitation, data, know-how or other information characterizing or constituting such Licensed Immunoglobulin’s polynucleotide or amino acid sequence, purported function or utility, antigen binding affinity, or physical or biochemical property.

Immunoglobulin means any molecule, including without limitation, full immunoglobulin molecules (e.g., IgG, IgM, IgE, IgA and IgD molecules) and ScFv, Fv and Fab molecules, that has an amino acid sequence by virtue of which it specifically interacts with an antigen and wherein that amino acid sequence consists essentially of a functionally operating region of an antibody variable region including, without limitation, any naturally occurring or recombinant form of such a molecule.

Licensee Collaborator means any person or entity who is an authorized end-user of Licensed Antibody Phage Display Materials, the intended recipient of Licensed Immunoglobulins or Licensed Immunoglobulin Information transferred from Licensee and/or a person or entity on whose behalf Licensee knowingly engages in Antibody Phage Display.

Development Partner means a Third Party from whom a party either in- licenses a target for development and/or commercialization by the in-licensing party or with whom a party shares the economic risk of development or commercialization of a target or product being developed or commercialized on behalf of the applicable party.

Field of Use
Licensee has installed commercially available phage display libraries for the discovery of antibodies and are utilizing Licensor's proprietary libraries to enhance our antibody technology platform.
Disclaimer: The information gathered from RoyaltySource® database was sourced from the U.S. Securities and Exchange Commission EDGAR Filings and other public records. While we believe the sources to be reliable, this does not guarantee the accuracy or completeness of the information provided. Further, the information is supplied as general guidance and is not intended to represent or be a substitute for a detailed analysis or professional judgment. This information is for private use only and may not be resold or reproduced without permission.