About this Web Site

The Federal Reserve Bank of Cleveland provides this Web site as a convenience to its customers, depository institutions, and the public. By using this Web site or the information, data, or materials available on or through this Web site, you acknowledge and agree to the terms and conditions set forth on this Web site. We reserve the right to change the terms and conditions without notice. Questions or comments about any term or condition may be directed to the Web administrator at (216)579-2291.

Information, text, data, graphics, software, and other content that make up this Web site (collectively "Content") reside on a computer owned and operated by the Federal Reserve Bank of Cleveland. To intentionally cause damage to it or to any Federal Reserve Bank of Cleveland electronic system or information through the knowing transmission of any program, information, code, or command is unlawful. Any unauthorized attempts to upload or change information, to defeat or circumvent security measures, or to utilize this Web site for other than its intended purpose are prohibited.

This Web site is controlled and operated by the Federal Reserve Bank of Cleveland from its offices in the United States of America. By accessing this Web site you acknowledge and agree that this Web site will only be construed and evaluated according to the law of the United States. If you use this Web site from other locations, you are also responsible for complying with any and all laws that govern those locations.

You may provide a hypertext reference link to the initial, top level display of this Web site, as identified by the following Uniform Resource Locator (URL): www.clevelandfed.org. However, you may not: (a) display or use the link in a manner that causes this Web site or any portion of its content to be displayed within a frame, be associated with any advertising or sponsorship, or otherwise incorporate this Web site's content into a third-party web site; (b) display or use an inline link to any information file contained in this Web site unless otherwise agreed to in writing by the Federal Reserve Bank of Cleveland; (c) alter, block or otherwise prevent the display of any content of this Web site; (d) link to this Web site through any other URL or mirrored site; and/or (e) link to this Web site if, to a reasonable person, your site may be obscene, defamatory, harassing, grossly offensive, malicious, or promote illegal activity.

The Federal Reserve Bank of Cleveland does not permit the use of its name or image in advertising, as an endorsement for any product or service, nor for any other commercial purpose. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, endorsement, or sponsorship of that product, service, or process by the Federal Reserve Bank of Cleveland.

All information that you submit to the Federal Reserve Bank of Cleveland via this Web site becomes the property of the Federal Reserve Bank of Cleveland and will not necessarily be handled confidentially. [For more information on this issue, see Web Site Privacy Policy.]

Monitoring of Access
Access to this Web site is monitored. The requesting URLs, <depending on the requestor's method of network connection, the machine originating the request>, and the date and time of the request are logged for access statistics and security purposes. Use of this Web site constitutes consent to such monitoring. If such monitoring reveals possible evidence of criminal activity, we may provide such evidence to law enforcement officials. [For more information on this issue, see also Web Site Privacy Policy.]

Use of Links & Disclaimer
For convenience and informational purposes only, we provide links on this Web site to resources located on servers that are not maintained by the Federal Reserve Bank of Cleveland or under its control. Therefore, the Federal Reserve Bank of Cleveland makes no warranty, express or implied, nor assumes any liability or responsibility for the content of any such linked or referenced Web sites or for the availability of access to such Web sites. You acknowledge and agree that your use of any linked Web sites or third party software is at your own risk.

The inclusion on this Web site of any link or reference to another Web site, or any reference to any specific product, process, or service by trade name, trademark, manufacturer or otherwise, does not constitute or imply an endorsement, recommendation, or favoring by the Federal Reserve Bank of Cleveland of the Web site, the entity or organization maintaining or controlling the Web site, any views expressed on the Web site or any products, processes or services offered.

Copyright and Trademark Information
As a user, you are authorized to reproduce Federal Reserve Bank of Cleveland publications, or portions thereof, appearing on this Web site, without limitation as to number so long as (1) the information is used for noncommercial, personal, or educational purposes only (i.e., not for private gain), and (2) the information is appropriately credited to the Federal Reserve Bank of Cleveland or the respective publication. Some information contained on this Web site, and on Web sites linked to or referenced by this Web site, may be copyrighted (and may or may not carry a copyright notice). Permission to use such copyrighted information must be obtained from the original author or source and cannot be obtained from the Federal Reserve Bank of Cleveland. You may cite and refer to the URL of this Web site without limitation.

All brand, product, service, and process names appearing on this Web site are trademarks of their respective holders. Nothing contained on this Web site is meant to confer, implicitly, in equity, or otherwise, any license or right under any patent, copyright, trademark, or other intellectual property right of the Federal Reserve Bank of Cleveland or any third party, except as expressly granted and stated on this Web site.

Digitized photographs, graphics and logos created by the Federal Reserve Bank of Cleveland are the property of the Federal Reserve Bank of Cleveland and may not be used without permission. CALL4TH®, SORTFOURTH®, and FOURTH DIMENSION® are registered trademarks of the Federal Reserve Bank of Cleveland. FED-MAIL®, FEDLINE®, and FEDWIRE® are registered trademarks of the Federal Reserve Banks. Acrobat® and the Acrobat logo are registered trademarks of Adobe Systems Incorporated. Netscape® is the registered trademark of Netscape Communications Corporation.

Disclaimer of Liability and Warranties
Reasonable efforts are taken to ensure the quality of the data and other information produced by the Federal Reserve Bank of Cleveland and made available on or through this Web site. We may, without notice, periodically add, change, or update information and documents on this Web site, however, we make no commitment to do so. All service and content from or through this Web site is provided on an "as is", "as available" basis. We are not responsible for misprints, out-of-date information, errors, omissions, unavailable information, or denial of service or access.

The Federal Reserve Bank of Cleveland assumes no legal liability or responsibility for the accuracy, correctness, completeness, or timeliness of any information available on or through this Web site, nor represents that its use would not infringe privately owned rights. By using this Web site, you assume the risk that the information available on or through this Web site may be inaccurate, incorrect, incomplete, out-of-date, may not meet your needs and requirements, or may be infringing.

The Federal Reserve Bank of Cleveland assumes no liability or responsibility for any loss, injury, or damage of any kind resulting in any way from the Content of this Web site, including any computer viruses, malicious code, or system malfunctions.

The Federal Reserve Bank of Cleveland makes no representation that this Web site or its Content does not defame any individual or entity, or infringe on any individual's or entity's rights of privacy or publicity.

THE FEDERAL RESERVE BANK SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUALITY AND NONINFRINGEMENT WITH RESPECT TO THIS WEB SITE AND ITS CONTENT.

The views expressed in Federal Reserve Bank of Cleveland publications and working papers are strictly those of the authors. They do not necessarily represent the position of the Federal Reserve Bank of Cleveland, or the Federal Reserve System. Any conclusions that you draw from the information available on or through this Web site, regardless of whether you received any assistance from the Federal Reserve Bank of Cleveland or its employees, are your own and are not to be attributed to the Federal Reserve Bank of Cleveland.