http://www.aspectfinancial.com.au/docserver/00973170.pdf?fileid=00973170&datedir=20090730&edt=MjAwOS0xMC0xNCsxNzozODo1MisxMjArNjExNTc5MDQrZXRyYWRleG1sK3JlZGlyZWN0Ky9pbWFnZXNpZ25hbC9lcnJvcnBhZ2VzL0V0cmFkZVBERlRpbWVvdXQuaHRtbCsvaW1hZ2VzaWduYWwvZXJyb3JwYWdlcy9wZGZkZWxheWVkLmpzcA==&popup=true
please refer to page 4