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Information provided is for educational purposes and does not constitute financial product advice. You should obtain independent advice from an Australian financial services licensee before making any financial decisions. Although OPTIMAL STATISTICS PTY LTD and its related bodies corporate (“OPTIMAL STATISTICS PTY LTD”) has made every effort to ensure the accuracy of the information as at the date of publication, OPTIMAL STATISTICS PTY LTD does not give any warranty or representation as to the accuracy, reliability or completeness of the information. To the extent permitted by law, OPTIMAL STATISTICS PTY LTD and its employees, officers and contractors shall not be liable for any loss or damage arising in any way (including by way of negligence) from or in connection with any information provided or omitted or from any one acting or refraining to act in reliance on this information. This document is not a substitute for the Operating Rules of the relevant OPTIMAL STATISTICS PTY LTD entity and in the case of any inconsistency, the Operating Rules prevail.