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Terms of Use

It's really very simple. With the exception of John Klugh's pension papers on his Pension Papers page, you are free to take any of the data from this site for your own use, but if you include it in another website, then I ask that you give credit where credit is due. You should mention this site, www.klugh.com and provide a link to this site with the following code below in its entirety:

"Courtesy of: <a href="http://www.klugh.com">Klugh.com</a>"

(but without the quote marks at the beginning and end of the line).

Or, if the site you're on doesn't allow you to enter code, then if you transfer data or graphics from this site anywhere, at the very least list the site name: www.klugh.com, or list the website address: http://www.klugh.com.


(c) July 4, 2011: (All rights reserved)