Every buyer looking at an acre in Calvert or Charles County asks me the same question, and almost every answer they find online is a national average that has nothing to do with Maryland. So here are the actual county fee schedules, the rules that drive the big costs, and the one law that changed in 2024 that nobody talks about.

The county fees — published, current, verifiable

Calvert County Health Department, effective July 1, 2025:

Charles County, FY26, effective July 1, 2025 — perc testing is priced per site by system type:

Those are government fees only. They are not the installation. But they’re the numbers you can actually plan around, and they tell you something: an alternative sandmound system costs more to test than a conventional one costs to permit. The soil decides your budget before a contractor ever quotes you.

Perc testing is seasonal — and it just got tighter

This is the timing trap. Perc testing in Maryland is governed by COMAR 26.04.03 and is done during the wet season, when the water table is highest and the soil tells the truth.

On April 17, 2026, both St. Mary’s County and Prince George’s County halted wet-season perc testing because of declining groundwater. If you’re buying an unimproved lot, ask when your county’s testing window opens before you write a contract with a 45-day study period. You cannot make a lot perc faster by wanting it to.

The BAT question — and the myth

You’ll hear that Maryland requires a BAT (Best Available Technology) nitrogen-reducing septic system.

That has not been a statewide mandate since MDE’s November 24, 2016 rule change.

Under COMAR 26.04.02.07, BAT is required inside the Chesapeake Bay and Atlantic Coastal Bays Critical Area — generally within 1,000 feet of tidal water — or for systems handling 5,000 gallons per day or more. Outside the Critical Area, a conventional system is typically permissible.

That distinction is worth a lot of money. Calvert County’s own FAQ puts a BAT system at $20,000–

$25,000 against $5,000–$7,500 for conventional. St. Mary’s County’s Bay Restoration Fund page quotes a narrower $10,000–$16,000 for BAT. Those are county figures, not mine, and the spread between them tells you to get a real quote.

And BAT carries a permanent obligation: annual operation and maintenance by a certified provider, in perpetuity. One contractor lists a 2026 Norweco service program at $425 per year. Budget it like a utility, because it is one.

Help exists

The Bay Restoration Fund approved $15 million statewide on June 18, 2026; Calvert County received

$350,000 in January 2026. FY2026 income eligibility runs up to $300,000. The grant covers the BAT unit, installation and two years of operation and maintenance. It does not cover the drainfield, permit fees or recording fees.

The rule that changed in 2024 and nobody mentions

Md. Real Property § 10-713, effective October 1, 2024. Every contract for a property served by a private well must make water-quality testing a condition of sale. Settlement cannot occur until both parties have received and reviewed the results. Both must certify in writing that they did. Results are valid for three years. The buyer may waive in writing.

Do not waive it. That is the single cheapest piece of protection in a well-and-septic transaction.

Septic inspection is not required — by anyone

There is no state or county requirement that a septic system be inspected before sale. HB 747 in the 2025 session would have changed that and died. Every septic inspection happening in Southern Maryland right now is happening because a lender, or VA, or FHA asked for it.

Ask for it yourself. Then ask for the pump-out records — Charles County reimburses $100 per pump-out every three years, and as of January 1, 2026 the hauler must be CCHD-approved for the reimbursement to count.

I’ll tell you straight: the acre is the reason people move to Southern Maryland, and the acre is where the surprises live. Go in with the fee schedule in your hand.

County fees change annually and are cited here as published for FY2026. Installation cost ranges are county-published estimates, not quotes. Verify current fees and testing windows with the Calvert, Charles, St. Mary’s or Prince George’s County Health Department before relying on any figure.

Reginald Butler Jr. — Broker/Owner, CENTURY 21 ENVISION 1318 Crain Hwy, Bowie, MD 20716

Let me give you the honest version of this headline, because the internet is going to give you the dramatic one.

On January 1, 2027, Virginia’s residential property disclosure statute gets exactly one new paragraph. That’s it. One subdivision. Everything else in the statute is word-for-word what it is today.

But the one paragraph matters if you’re buying land, and the much bigger story is what isn’t changing.

The bigger story: Virginia is still caveat emptor

Virginia is a caveat emptor state — buyer beware. What most buyers think of as the “disclosure form” is actually § 55.1-703, and it is a disclaimer statute, not a disclosure statute. It runs nineteen paragraphs, and nearly every one begins with the same phrase: “The owner makes no representations…”

No representations about the condition of the property. About adjacent parcels. About zoning. About sewage disposal. About whether the roof leaks.

So what does a Virginia seller actually owe you? The Supreme Court of Virginia drew the line in Van Deusen v. Snead, 247 Va. 324, 441 S.E.2d 207 (1994): a seller “must not say or do anything to throw the purchaser off his guard.” Concealment by conduct — painting over the crack, propping up the sagging beam — counts as affirmative misrepresentation.

The safe way to hold it in your head: a Virginia seller may not lie, and may not hide. A Virginia seller may stay silent.

Mere silence is not actionable. That’s the whole ballgame, and it’s why your inspection in Virginia is doing work it doesn’t have to do in Maryland.

What actually changes in 2027

The 2026 session passed HB 1358 and SB 649 (2026, cc. 308 and 309), adding § 55.1-703(B)(20),

effective January 1, 2027.

The new subdivision addresses use-value assessment under § 58.1-3230 and roll-back taxes under § 58.1-3237.

Here’s why that’s real money and not a technicality. Virginia lets localities assess farm, forest, horticultural and open-space land at its use value instead of its market value — a big annual tax break. When the land converts to another use, the locality can claw back the difference for the current year

plus the five preceding years, with interest. That’s a roll-back tax, and it can land on the buyer who triggered the change of use by building a house on it.

If you are buying acreage in Fauquier, Loudoun, Culpeper or anywhere else with a land-use program, ask before you write the offer: is this parcel in land use, and who pays the roll-back?

What is not changing — and matters more

• 55.1-709 is untouched. Disclosures are delivered before ratification. If the seller delivers late, your sole remedy is termination — not damages, not a price adjustment. And that right expires at the earliest of: three days after delivery in person or electronically, five days after postmark, settlement, occupancy, your written mortgage application, or a separate written waiver.

Read that list again. Applying for your mortgage can extinguish the remedy. It expires quietly and fast.

• 55.1-704 is the rare real duty. Virginia does require affirmative disclosure when property sits in a military air installation noise zone or accident potential zone. If you’re buying near Quantico, Fort Belvoir or Oceana, that disclosure is owed to you — and you should read it before you fall in love with the house.

How Maryland differs

Across the river, Md. Real Prop. § 10-702 gives the seller a choice: a Disclosure statement describing actual condition, or a Disclaimer selling as-is. Either way, latent defects must be listed — defects the seller knows about that a buyer couldn’t reasonably discover.

That’s a meaningfully lower wall than Virginia’s. Same metro area, different legal posture, and buyers cross that line without noticing.

What to do

Inspect harder in Virginia than you think you need to. Get the sewage, water and structural inspections even when the seller says everything’s fine — especially when the seller says everything’s fine, because saying so is one of the few things that can create liability.

Ask about land use on any parcel with acreage. Watch the § 55.1-709 clock. And don’t let “buyer beware” scare you off Virginia — it just means the diligence is on your side of the table.

This is general information about Virginia and Maryland real estate law, not legal advice. Statutory citations are to the Code of Virginia and Maryland Real Property Article as of September 2026. Consult a licensed Virginia attorney about your specific transaction.

Reginald Butler Jr. — Broker/Owner, CENTURY 21 ENVISION 1318 Crain Hwy, Bowie, MD 20716

Short answer: Yes. D.C.’s Home Purchase Assistance Program covers single-family houses anywhere in the District, and Deanwood — where the median sale price has been running near $390,000–$400,000 — is one of the neighborhoods where the money goes furthest. HPAP currently offers up to $202,000 in interest-free gap financing plus $4,000 toward closing costs for first-time buyers at or below 110% of area median income. The real obstacle in Deanwood isn’t eligibility. It’s the required housing quality inspection.

What HPAP covers, and where Deanwood fits

HPAP is run by D.C.’s Department of Housing and Community Development and administered through partners including the D.C. Housing Finance Agency. It funds single-family houses, condominiums and co-op units inside District lines. A detached house in Deanwood is squarely eligible — there’s no program carve-out that pushes you toward condos.

The assistance is a deferred, interest-free second loan, not a grant. For households under 80% of median family income, repayment is deferred until you sell, refinance to pull equity out, or stop using the home as your primary residence. Moderate-income households defer for five years and then begin principal-only payments amortized over 40 years.

Why the math works better here than in most of the city

HPAP is gap financing. It fills the space between what you can borrow and what the house costs — so its purchasing power is inversely related to price. In a $900,000 neighborhood, $202,000 is a down payment. In Deanwood, at a median in the high $300s, it can be most of the purchase.

That slower pace is an advantage most buyers overlook. An HPAP purchase takes longer to close than a conventional one, and in a neighborhood where listings sit, a seller is far more willing to accommodate that than in a five-offer weekend.

The part that catches buyers out

Every HPAP property has to pass a housing quality inspection — including renovated ones. This is the single biggest reason Deanwood HPAP deals fall apart, and it’s the thing nobody tells you at the homebuyer education class.

Deanwood’s housing stock is largely early-twentieth-century, and a good share of what hits the market is a flip. A flip can look immaculate and still fail on knob-and-tube remnants, an aging roof, a furnace at the end of its life, or work done without permits. The inspection is not a formality and it is not the same thing as the general home inspection you’d order for yourself — it’s a separate standard the house itself must meet before D.C. will release the money.

Practical version: write the contract so the seller is obligated to cure inspection items, and don’t fall in love with a house until it clears. Investors who flip in this corridor sometimes price for a cash buyer and won’t do repairs. Find that out in week one, not week eight.

The clock nobody plans for

Once you’re approved and receive your Notice to Proceed, you have a limited window — generally 90 days — to find a house, ratify a contract and close. That sounds like plenty. It is not, once you subtract the inspection, any repair cycle, a re-inspection, and lender coordination between your first-trust lender and the HPAP administrator.

So do it in the right order: complete your homebuyer education and get your approval first, then start touring. Buyers who fall in love with a house and then begin the HPAP application are the ones who lose it.

So is Deanwood a good HPAP neighborhood?

For the right buyer, it’s one of the best in the District. You get detached single-family housing with a yard at a price where the assistance does real work, in a Ward 7 neighborhood with Metro access and a homeownership base that’s been there for generations. The trade is that you’re buying an old house, and old houses have to prove themselves to an inspector before D.C. writes the check.

Go in with your approval in hand, your repair language in the contract, and realistic expectations about the condition of a hundred-year-old bungalow — and this program does exactly what it was designed to do.

Frequently asked questions

Can HPAP be used for a single-family house, or only condos?

Single-family houses, condominiums and cooperative units are all eligible, as long as the property is in the District and will be your primary residence. There is no restriction pushing HPAP buyers toward condos.

How much HPAP assistance can I get?

Up to $202,000 in interest-free gap financing plus $4,000 in closing cost assistance. Your actual award depends on your income, household size and the specifics of your transaction — it is tiered, not a flat amount. Confirm current figures with DHCD, because they are reset periodically.

What are the HPAP income limits?

HPAP serves first-time buyers earning up to 110% of the Washington-area median income, with assistance tiered by income band. DHCD publishes an income and assistance table that is updated periodically.

Do I have to be a first-time buyer to use HPAP?

Effectively yes. You must be the head of household, and you cannot have held an ownership interest in residential real estate in the three years before you apply. You also need to be a District resident and have acceptable credit.

Does an HPAP home have to pass inspection?

Yes. Every property must pass a housing quality inspection, including homes that have been recently rehabilitated or flipped. This is separate from the buyer’s own home inspection and is a common reason deals in older neighborhoods fall through.

Do I have to repay HPAP?

Yes, but on deferred, interest-free terms. Below 80% of median family income, repayment is deferred until you sell, refinance to take out equity, or the home stops being your primary residence. Moderate-income households defer for five years, then make principal-only payments amortized over 40 years.

Thinking about HPAP in Deanwood?

Let’s talk before you start touring. I’ll walk you through the order of operations, what to put in the contract so inspection repairs are the seller’s problem, and which listings in the corridor are realistically going to clear the housing quality standard.

Reggie Butler, Broker/Owner, CENTURY 21 Envision · 240-938-1244 · reggiebutler333@gmail.com

HPAP award amounts, income limits, deadlines and program rules are set by the D.C. Department of Housing and Community Development and change without notice. Verify current terms directly with DHCD or an approved HPAP administrator. Market figures are approximate and change with conditions. This is general information, not legal, tax or lending advice, and not a commitment to lend.

Short answer: If you buy in a Reston Association cluster, you pay two association bills instead of one — the RA assessment of $890 per year in 2026 plus your cluster’s own dues — and your exterior changes need design approval. In return you get Reston’s pools, lakes, tennis courts and 55 miles of pathways. In a non-RA neighborhood you pay less and answer to fewer people, but you don’t get the amenities, and you’ll pay a non-resident rate to use them.

What Reston Association membership actually buys

Reston Association is the master association covering most of Reston. Membership isn’t optional — it runs with the deed. For 2026 the assessment is $890 per home, a 5% increase over last year’s $848, due at the start of the year. Fairfax County tax-relief participants pay a reduced rate.

That money maintains roughly 1,350 acres of open space, four lakes, 15 outdoor pools, 52 tennis courts and about 55 miles of paved pathway. It is a genuinely unusual amount of shared land for a Washington-area suburb, and it’s the reason Reston looks the way it does. The wooded common ground behind your house isn’t county parkland waiting to be sold — the community owns it.

The trade is oversight. Most exterior changes — including tree removal — require approval from RA’s covenants staff or the Design Review Board before you start. That surprises people. It also protects the value of the house next door to you.

What your cluster association adds on top

Here’s the part that gets missed: RA is only the master layer. Most Reston townhouses and many single-family homes also sit inside a cluster association with separate dues covering the roof, the private streets and parking, landscaping, snow removal and reserves. Two associations, two bills, two rulebooks. Where the two sets of rules conflict, the stricter one governs.

Side by side

The part that catches buyers out

A Reston mailing address does not guarantee RA membership. Membership follows the deed, parcel by parcel — and some properties inside Reston, including a number at Reston Town Center, are not in RA at all. Buyers have closed expecting pool access and found out in June that they’d need to buy a non-resident pass. Verify the specific address before you write an offer, not after.

So which one is better?

Neither, and anyone who tells you otherwise is selling something. If you have kids who will swim all summer, or you want the lakes and the trails outside your door, the RA assessment is one of the better recreation values in Fairfax County. If you don’t use amenities and you want to paint your door without asking anyone, you’re paying roughly $890 a year for something you won’t touch, and a non-RA neighborhood is the smarter buy.

What matters is knowing which one you’re buying — and budgeting for both bills before your lender runs your ratios, not after you’re under contract.

Frequently asked questions

How much is the Reston Association fee in 2026?

$890 per home for the year, up about 5% from $848 in 2025. Eligible Fairfax County tax-relief participants pay a reduced rate. Cluster or condominium dues are separate and additional.

Is Reston Association membership optional?

No. If your property is subject to the Reston Deed, membership and the assessment run with the land. You cannot opt out by declining to use the amenities.

Do I need approval to change the outside of my Reston home?

In most cases yes. Exterior alterations — and tree removal — generally require review by Reston Association covenants staff or the Design Review Board before work begins. Your cluster may have its own standards on top, and the stricter standard applies.

How do I find out whether a specific Reston home is in RA?

Confirm it parcel by parcel through Reston Association or the property’s recorded covenants before you make an offer. Do not rely on the ZIP code, the neighborhood name, or what the listing says.

What does a seller need to provide?

Virginia requires a resale disclosure package, and in a cluster you’ll need one from both associations. RA has up to 14 days to produce theirs once it’s paid for. Order early — the buyer’s cancellation period doesn’t start until they receive the documents.

Not sure which one you’re looking at?

Send me the address and I’ll tell you whether it’s in Reston Association, what the cluster dues actually are, and what both add to your monthly payment. No appointment, no pressure.

Reggie Butler, Broker/Owner, CENTURY 21 Envision · 240-938-1244 · reggiebutler333@gmail.com

Fees and rules change. Verify current amounts directly with Reston Association and your cluster or condominium association before relying on them. This is general information, not legal advice.

Short answer: Three national builders are actively selling new construction in Brandywine, Maryland (ZIP 20613) right now: Ryan Homes at Timothy Branch, Stanley Martin Homes at The Woodlands and Brandywine Woods, and D.R. Horton at Stephens Crossing and Spring Hills. That’s roughly five active communities, mostly townhomes with some single-family, generally running from the low $500s into the $700s.

Who is building in Brandywine right now

Prices move, so treat any number you read online as a starting point. As of this writing, Timothy Branch townhomes have been opening in the low $500s, and Stanley Martin’s Brandywine Woods has been quoting a range in the $570s to low $700s. Every one of those figures is a base price before lot premium, structural options, and the design-center visit that is where most buyers actually blow their budget.

Why Brandywine, and why now

Brandywine sits in southern Prince George’s County along the Route 301 corridor near Route 5 — close enough to Joint Base Andrews, the Beltway, D.C. and Northern Virginia to work for a commuter, far enough out that a builder can still find developable land at a price that pencils. That is the whole story. The land inside the Beltway ran out; the builders moved south.

What you’re buying, in most of these communities, is a three- or four-level townhome with a two-car garage and up to roughly 2,700 finished square feet — a product that in Bowie or Waldorf costs more or doesn’t exist at all.

The part that catches buyers out

Search “Brandywine” and you’ll get the wrong state. There is a Brandywine in Pennsylvania and a Brandywine in Delaware, and new-home listing sites happily mix them in. A 55+ community called Brandywine Walk shows up constantly in these searches — it’s in Downingtown, Pennsylvania, about two hours away. Anchor every search to ZIP 20613.

Second: the 55+ new construction in Brandywine is largely gone. Ryan Homes built main-level-living villas at Timothy Branch and that section has sold out. Lakeview at Brandywine is a genuine 55+ community in 20613, but it’s resale, not new. If you want new and age-restricted here, you’re mostly looking at resale of a recently built home.

A note on how fast this changes

Builder inventory in a corridor like this turns over in weeks, not seasons. Sections sell out, new sections release, quick move-ins get claimed, and incentives change month to month — and right now the incentives are where the real money is. Builders in this market have been buying down rates and covering closing costs rather than cutting sticker price, because a published price cut upsets everyone who already signed.

One thing worth knowing before you walk into a model: register your agent on your first visit. Most builders will not let you add representation after you’ve signed in alone, and the on-site sales rep works for the builder, not for you.

Frequently asked questions

What builders are building new homes in Brandywine, MD?

Ryan Homes, Stanley Martin Homes and D.R. Horton are the three actively selling new construction in Brandywine (ZIP 20613) as of September 2026, across roughly five communities including Timothy Branch, The Woodlands, Brandywine Woods, Stephens Crossing and Spring Hills.

How much do new homes in Brandywine, MD cost?

Most new construction in Brandywine has been running from the low $500s into the $700s depending on builder, product type and section. Those are base prices — lot premiums, structural options and design selections are additional.

Are there 55+ new construction homes in Brandywine, MD?

Very little at the moment. The Ryan Homes 55+ villas at Timothy Branch have sold out. Lakeview at Brandywine is an established 55+ community in Brandywine, but homes there sell as resales rather than new construction.

Is Brandywine, MD a good place to buy new construction?

It depends on your commute and your timeline. Brandywine offers newer homes with two-car garages at prices below comparable product closer to the Beltway, along the Route 301 corridor near Route 5. The tradeoff is drive time and a road network still catching up to the growth.

Do I need a real estate agent to buy a new construction home?

You don’t need one, but the builder’s on-site representative works for the builder. If you want your own representation, register your agent on your first visit to the model — most builders will not allow it to be added afterward.

Thinking about new construction in Brandywine?

Let me know what you’re looking for and I’ll tell you which sections are actually releasing, what the current incentives are, and what the same money buys you a few miles in either direction. Bring me in before your first model-home visit.

Reggie Butler, Broker/Owner, CENTURY 21 Envision · 240-938-1244 · reggiebutler333@gmail.com

Community availability, pricing and incentives change frequently and without notice. Verify current offerings directly with each builder before relying on them. This is general information, not an offer or a guarantee of availability.

Short answer: Both are affluent western Howard County communities at roughly the same price point — around $1.0–$1.1 million in Clarksville (21029) and a typical value near $940,000–$980,000 in Highland (20777). The difference is infrastructure, not income. Clarksville sits inside the county’s Planned Service Area with public water and sewer, a village center and walkable retail. Highland is Rural West: multi-acre lots, well and septic, horse properties, and no shopping within walking distance. You’re choosing between a neighborhood and a piece of land.

Side by side

The counterintuitive part

Highland has more land and generally costs less. That surprises people who assume acreage always commands the premium. It doesn’t, because in Howard County you’re not just buying square footage — you’re buying access to infrastructure. Clarksville’s price reflects public utilities, a village center you can walk to, and the density of a planned community. Highland’s reflects privacy and dirt.

Watch the list-to-sale gap too. Highland’s median list price has been running well above its median sale price. In a market that thin, that usually means a few ambitious estate listings sitting on the market while the homes that actually trade are the more ordinary ones. Don’t read a list-price median as a value.

What Rural West actually means for your budget

Highland sits outside the Planned Service Area, which is Howard County’s line between where public utilities go and where they don’t. Practically, that means:

You own the well and you own the septic. There is no monthly water bill, which people like, and no one to call when the pump fails, which people like less. Budget for periodic water testing, eventual well and septic replacement, and understand that a failing septic can be a five-figure problem — and one that can stop a sale cold if it surfaces during your inspection period.

Land also comes with maintenance. Three acres is a mower, a plow arrangement, and a tree budget. Buyers coming from a townhouse routinely underestimate this, and it’s a real cost of ownership even though it never shows up on a mortgage statement.

The schools question

This is the biggest driver of the search and the most common misconception. Both communities sit in the western Howard County school feed and have historically shared high school assignment. Buyers who believe they’re paying a Clarksville premium for the schools are often paying for something they’d get in Highland too.

That said — Howard County redistricts, and it redistricts more aggressively than most surrounding jurisdictions. Never buy on a school assignment you read in a listing or on a third-party site. Confirm the current assignment for the specific address with the Howard County Public School System before you write an offer, and know that today’s boundary is not a permanent feature of the property.

So which one should you buy?

Buy Clarksville if you want neighbors, sidewalks, a grocery run that takes eleven minutes, and a house that will be easy to resell to the next family who wants the same things. It’s the lower-friction choice, and there’s nothing wrong with that.

Buy Highland if the land is the point — if you want horses, a shop, a garden that isn’t a gesture, or simply not to see anyone from your kitchen window. You’ll trade convenience and take on the well, the septic and the acreage, and in exchange you’ll generally get more property for the money.

One practical warning that applies to both: these are small markets. A handful of sales moves the median in either ZIP, so any single statistic you read — including the ones above — is noisier than it looks. Price off actual comparable sales for the specific street and lot size, not off a ZIP-code average.

Frequently asked questions

Is Highland or Clarksville more expensive?

Clarksville generally runs higher, with a typical value around $1.08 million versus roughly $940,000 in Highland — despite Highland’s much larger lots. The premium reflects public water and sewer, walkable retail and planned-community amenities.

Does Highland, MD have public water and sewer?

Generally no. Highland lies outside Howard County’s Planned Service Area and homes there typically rely on private wells and septic systems. Confirm for the specific property, since service boundaries have been adjusted over time.

Do Highland and Clarksville go to the same schools?

They sit in the same western Howard County feed and have historically shared high school assignment. Howard County redistricts periodically, so verify the current assignment for the exact address with HCPSS rather than relying on a listing.

How big are lots in Highland, MD?

Large. Properties commonly run from about an acre to seven acres or more, and horse properties are a normal part of the inventory. Some stretches of Highland average well over five acres per parcel.

Are Highland and Clarksville both in Howard County?

Yes. Both are unincorporated western Howard County communities, roughly adjacent, sharing the Route 108 corridor.

Which is the better investment?

Neither is clearly better. Clarksville tends to be more liquid — more buyers want that product, so it resells faster. Highland’s acreage is scarcer and harder to replicate, but the buyer pool is smaller and the market is thinner. Liquidity and scarcity are a genuine tradeoff, not a right answer.

Trying to decide between the two?

Tell me how you actually live — commute, kids, whether you want land or want neighbors — and I’ll pull real comparable sales for both and show you what the same money buys on each side of the line. Including what the well and septic really cost you.

Reggie Butler, Broker/Owner, CENTURY 21 Envision · 240-938-1244 · reggiebutler333@gmail.com

Market figures are approximate, drawn from public sources, and change constantly — and both ZIP codes are small enough that a few sales move the numbers materially. School assignments, zoning and utility service areas are set by Howard County and HCPSS and are subject to change. Verify anything you intend to rely on. General information, not legal or financial advice.