	Personal Financial Stewardship Version 1.00


	Fees for Distribution of Shareware Versions

Disk Vendors, Shareware Distributors and BBS(s) may have
charged a nominal fee for the distribution of this Shareware 
version of Personal Financial Stewardship.  This fee does not 
constitute payment for the Licensed version of Personal
Financial Stewardship, and does not entitle the end user to use the
shareware version for longer than the 60 day evaluation 
period.


		Definition of Shareware

Shareware distribution gives users a chance to try software
before buying it. If you try a Shareware program and continue 
using it, you are required to register it (or purchase the 
licensed version, as in the case of Personal Financial 
Stewardship).

Copyright laws apply to both Shareware and retail software,
and the copyright holder retains all rights, with a few 
specific exceptions as stated below. Shareware authors are 
accomplished programmers, just like retail authors, and the 
programs are of comparable quality (in both cases,there are 
good programs and bad ones!). The main difference between 
Shareware and retail software is in the method of 
distribution. The author specifically grants the right to 
copy and distribute the software, either to all and sundry
or to a specific group. For example, some authors require
written permission before a commercial disk vendor may copy 
their Shareware.

Shareware is a distribution method, not a type of software.
You should find software that suits your needs and 
pocketbook, whether it's retail or Shareware. The Shareware 
system makes fitting your needs easier, because you can try 
before you buy. And because the overhead is lower, prices 
are lower also. Shareware has the ultimate money-back 
guarantee - if you don't use the product, you don't pay for 
it.


	LIMITED WARRANTY AND DISCLAIMER OF WARRANTY

	THIS SOFTWARE AND ACCOMPANYING WRITTEN MATERIALS
(INCLUDING INSTRUCTIONS FOR USE) ARE PROVIDED "AS IS"
WITHOUT WARRANTY OF ANY KIND. FURTHER, Brian Rockwell (BKR) 
DOES NOT WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS 
REGARDING THE USE, OR THE RESULTS OF USE, OF THE SOFTWARE 
OR WRITTEN MATERIALS IN TERMS OF CORRECTNESS, ACCURACY, 
RELIABILITY,CURRENTNESS, OR OTHERWISE. THE ENTIRE RISK 
AS TO THE RESULTS AND PERFORMANCE OF THE SOFTWARE IS 
ASSUMED BY YOU. IF THE SOFTWARE OR WRITTEN MATERIALS ARE 
DEFECTIVE YOU, AND NOT BKR OR ITS DEALERS, DISTRIBUTORS, 
AGENTS, OR EMPLOYEES, ASSUME THE ENTIRE COST OF ALL 
NECESSARY SERVICING, REPAIR, OR CORRECTION.

	THE ABOVE IS THE ONLY WARRANTY OF ANY KIND, EITHER
EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE, THAT IS MADE BY BKR, ON THIS BKR PRODUCT. NO ORAL
OR WRITTEN INFORMATION OR ADVICE GIVEN BY BKR, ITS DEALERS,
DISTRIBUTORS, AGENTS OR EMPLOYEES SHALL CREATE A WARRANTY OR
IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY AND YOU MAY
NOT RELY ON ANY SUCH INFORMATION OR ADVICE. YOU MAY HAVE
OTHER RIGHTS WHICH VARY FROM STATE TO STATE.

	NEITHER BKR NOR ANYONE ELSE WHO HAS BEEN INVOLVED 
IN THE CREATION, PRODUCTION OR DELIVERY OF THIS PRODUCT 
SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL 
OR INCIDENTAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF 
BUSINESS PROFITS,BUSINESS INTERRUPTION, LOSS OF BUSINESS 
INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OR 
INABILITY TO USE SUCH PRODUCT EVEN IF BKR HAS BEEN ADVISED 
OF THE POSSIBILITY OF SUCH DAMAGES.

        This Limited Warranty shall be governed and
construed in accordance with the laws of the State of 
Illinois.


                 ACKNOWLEDGMENT

BY USING THE SHAREWARE VERSION OF PERSONAL FINANCIAL 
STEWARDSHIP YOU ACKNOWLEDGE THAT YOU HAVE READ THIS LIMITED 
WARRANTY,UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS' TERMS 
AND CONDITIONS. YOU ALSO AGREE THAT THE LIMITED WARRANTY IS 
THE COMPLETE AND EXCLUSIVE STATEMENT OF AGREEMENT BETWEEN THE
PARTIES AND SUPERSEDE ALL PROPOSALS OR PRIOR AGREEMENTS,
ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN THE 
PARTIES RELATING TO THE SUBJECT MATTER OF THE LIMITED WARRANTY.

Use of this software is permitted only to the extent
reasonably required to determine whether to purchase the 
software.

After payment is made, use of this software is limited to
use on only a single personal computer or workstation which 
is not used as a server.  An additional payment is required 
for each use on another personal computer or workstation.

Only a single copy may be made of this software solely for
backup or archival purposes. The software may also be 
transferred to a single hard disk.

Any use of this software in violation of the above is not
licensed.



		The User's Manual

In order to minimize the size of the shareware version of 
Personal Financial Stewardship, no printable user's manual has 
been provided. However, the on-line help system included with 
this shareware version of Personal Financial Stewardship provides 
extensive information on using the program. You can access 
the on-line help system whenever the program is open
by selecting "Help" from the Finance Main menu.


		Technical Support

Technical support for Personal Financial Stewardship can be obtained via
E-Mail at bgrockwell@sprintmail.com


			Distributing

You are encouraged to pass a copy of the shareware version
of Personal Financial Stewardship along to your friends for evaluation.

If order to provide a friend with a copy of the shareware
version of Personal Financial Stewardship, you must provide them with 
the entire set of Personal Financial Stewardship shareware version 
files. 

Do not simply copy the Personal Financial Stewardship program files 
from your hard drive and attempt to install these files on 
another computer. The Personal Financial Stewardship setup program must 
be used to properly install the program!



		Purchasing the Licensed Version

You may use the shareware version of Personal Financial Stewardship for
a 60 day trial period.  If you would like to continue to use 
Personal Financial Stewardship after the 60 day trial period, you are 
required to purchase the licensed version of Personal Financial Stewardship.

When you purchase Personal Financial Stewardship you will receive the
latest licensed version.

To purchase Personal Financial Stewardship send a check or money order for 
$15 (U.S.A.) to:

	Brian Rockwell
	127 Forest Ct.
	Troy, IL 62294

Include your name, mailing address, and format you wish to receive program
in (3 1/2 diskette, CD-ROM).

Please allow four weeks for processing.