DISCLAIMER : The Macquarie Virtual Adviser Network (VAN) is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL 237502 (‘Macquarie’). The provision of VAN and the contents of this podcast do not amount to a financial product or financial service nor does it involve the provision of general or personal financial advice. Opinions or recommendations that are expressed are subject to change without notice and no member of the Macquarie Group makes any warranty in relation to, or accepts any responsibility or liability for any loss or damage suffered by any person arising out of or in relation to the material in this podcast.