The opinions expressed are those of the author and are not held by the BBC unless specifically stated.

BBC: Student finances: your questions answered

The opinions expressed are those of the authors and are not held by the BBC unless specifically stated.

BBC: An empty pocket

The full force of the new law then comes into effect immediately unless otherwise stated in the bill itself.

BBC: Devolution in Scotland

All returns are ex-currency unless otherwise stated.

FORBES: May 2013 European Leveraged Loan Market Analysis

It would mean everyone is considered to be a willing organ donor when they die, unless they have stated otherwise.

BBC: South East Wales

The bill would mean everyone normally resident in Wales is considered to be a willing organ donor when they die, unless they have stated otherwise.

BBC: Organ donation: Opt-out bill to exclude some transplants

In awarding the prize, the Nobel Committee stated that democracy and peace cannot be achieved unless women have the same opportunities and rights as men.

FORBES: A Solution For A Struggling Global Economy: Gender Equality

As I have stated before, you should avoid taking any drug unless it is absolutely necessary.

FORBES: Vioxx and Diclofenac: Why Are Two Heart Risky Pain Drugs Viewed Differently?

North Dakota, a U.S. Supreme Court decision which stated that companies do not have to act as tax collectors for a state unless they have a substantial physical presence-or a "nexus"-in the state.

CNN: The Internet tax revolt