Published models are independently created by users. Scenarios and forecasts are hypothetical and depend on assumptions; actual outcomes may differ substantially. BalanceCheat does not verify or endorse the accuracy or reasonableness of user models and does not provide personalized investment advice. These tools support modeling, education, research and discussion. Do not base investment decisions solely on a published model. Investing can result in a total loss. Authors must comply with applicable laws, including relevant investment-recommendation and conflict-of-interest disclosures. Labels and disclaimers do not create a regulatory exemption.