Joel
Not being an expert at anything....
Perhaps it is actually the title of forum that needs a new name. "Ask the Experts", to me implies the answers I get are the best available (which MAY be true). "Ask the Members" or "Ask the Forum" would leave me with a desire to verify or substantiate advice I get. I do concur with your assessment that the Guild needs to have a disclaimer but the one presented reads like it was written by a lawyer....OH yeah....you said it was.
Bob :p