*The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All investing involves risk, including loss of principal. International investing involves special risks, such as currency fluctuation and political instability and may not be suitable for all investors. The economic forecasts set forth may not develop as predicted. This material is for general information only and are not intended to provide specific advice or recommendations for any individual. This information is not intended to be a substitute for individualized legal advice. Please consult your legal advisor regarding your specific situation.