Copyright is owned by the author of each presentation (‘the authors’). The presentation/s have been published with the permission of the author/s. The author/s do not authorise the reproduction of the presentation/s without prior written permission from the author/s, unless permitted under the provisions of the Copyright Act 1968 (Cth). The views expressed by the author/s in the presentation/s are those of each author alone. H.E.S.T Australia Limited has not independently verified the accuracy or completeness of the information or the views expressed and does not accept responsibility in that regard. The presentation/s are of a general nature and do not take into account your objectives, financial situation or specific needs, so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this.