Dear Readers

The Challenge Question program has been discontinued due to insufficient interest.  Current and prior challenge questions will remain “up” until early summer before being removed entirely.

Note the presence of a new tab — “2020 Law Changes” — together with a description and explanation for its purpose.  Note as well that, after the description and explanation, the more important modifications for 2020 are summarized.  If new information becomes available or questions coming in indicate that some revision is needed for clarification, the text material in this new section will be revised accordingly but in a different color to draw attention to such changes.