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The views expressed in this book are the personal views of the author and do not reflect the views of the author’s employer. This book was prepared by Mr. Baid in his individual capacity and not in his capacity as an employee of Summit Global Investments. Any recommendations, examples, or other mention of specific investments or investment opportunities of any kind are strictly provided for informational and educational purposes and do not constitute an offering or solicitation, nor should any material herein be construed as investment advice. Readers should consult with a professional where appropriate. The views expressed reflect the current views of the author as of the date hereof and the author does not undertake to advise the readers of any changes in the views expressed herein. In addition, the author assumes no duty to, nor undertakes to update forward-looking statements. No representation or warranty, express or implied, is made or given by or on behalf of the author, the author’s employer, or any other person as to the accuracy and completeness or fairness of the information contained herein, and no responsibility or liability is accepted for any such information. By purchasing this book, the recipient acknowledges its understanding.