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    All information contained at oz-investing.com and on any podcast of 'The Oz Investing Podcast' is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of The Oz Investing Podcast and any contributors to oz-investing.com are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Product Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.