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The information provided in our newsletters is general in nature and is not personal financial product advice. This information has been prepared without taking into account your objectives, financial situation or needs and because of this you should, before acting on it, consider the appropriateness of it having regard to your objectives, financial situation and needs. You should carefully read and consider any Product Disclosure Statement that is relevant to any financial product that has been discussed, before making any decision about whether to acquire the financial product.