Copyright and Permissions 

  Copyright © 2026 Dwight H. Horch. All rights reserved. This publication and companion workbooks may be downloaded, used, copied, and distributed without charge for educational, nonprofit, and community-association purposes, provided it is reproduced in its entirety, attribution to the author is retained, and no fee is charged for the publication itself. It may not be sold, commercially republished, or materially modified and redistributed without the author’s written permission.