We are not authorised by any regulatory body to provide financial advice, and we may from time to time hold positions in shares we discuss. Our communications with you represent our personal opinions only. We do not offer any advice specific to your financial needs. Our communications with you should be used for educational and informational purposes only, and should not be relied upon for investment decision-making purposes. It is your responsibility to seek authorised investment advice, should you require it. All investments are risky and may result in the permanent loss of your capital.