Australian Schl f Business Banking and Finance FINS5537 FINANCIAL PLANNING ADVICE & ETHICS Curse Outline Semester 1, 2014 Part A: Curse-Specific Infrmatin Part B: Key Plicies, Student Respnsibilities and Supprt
Table f Cntents PART A: COURSE-SPECIFIC INFORMATION 2 1 STAFF CONTACT DETAILS 2 2 COURSE DETAILS 2 2.1 Teaching Times and Lcatins 2 2.2 Units f Credit 2 2.3 Summary f Curse 2 2.4 Curse Aims and Relatinship t Other Curses 2 2.5 Student Learning Outcmes 3 3 LEARNING AND TEACHING ACTIVITIES 4 3.1 Apprach t Learning and Teaching in the Curse 4 3.2 Learning Activities and Teaching Strategies 5 4 ASSESSMENT 5 4.1 Frmal Requirements 5 4.2 Assessment Details 5 5 COURSE RESOURCES 6 6 COURSE EVALUATION AND DEVELOPMENT 6 7 COURSE SCHEDULE 7 PART B: KEY POLICIES, STUDENT RESPONSIBILITIES AND SUPPORT 8 8 PROGRAM LEARNING GOALS AND OUTCOMES 8 9 ACADEMIC HONESTY AND PLAGIARISM 9 10 STUDENT RESPONSIBILITIES AND CONDUCT 9 10.1 Wrklad 9 10.2 Attendance 10 10.3 General Cnduct and Behaviur 10 10.4 Occupatinal Health and Safety 10 10.5 Keeping Infrmed 10 11 SPECIAL CONSIDERATION AND SUPPLEMENTARY EXAMINATIONS 10 12 STUDENT RESOURCES AND SUPPORT 12 1
PART A: COURSE-SPECIFIC INFORMATION 1 STAFF CONTACT DETAILS Lecturer-in-charge: Nidal Danun Rm 356 Phne N: 9385 6287 Email: n.danun@unsw.edu.au Cnsultatin Times as per unit website and by appintment 2 COURSE DETAILS 2.1 Teaching Times and Lcatins 3 hur Lectures start in Week 1(t Week 12): The Time and Lcatin are: Thursday 11 am - 2 PM at ClmbThC Tutrials are part f the 3 hur lecture time. 2.2 Units f Credit The curse is wrth 6 units f credit. This curse is taught in parallel t bth undergraduate and pstgraduate students. The lecture materials (ntes, text, etc) will be the same but all assessments, assignments and examinatins will be different 2.3 Summary f Curse This curse prvides students with the key financial planning knwledge and skills. Frm a financial planning practice perspective, we address the imprtant cmpliance and legal issues and skills required t practice as a financial planner. This entails having a clear understanding f the client's situatin, cnducting needs analysis, identifying gals and bjectives, understanding research, frmulating apprpriate financial planning strategies, chsing apprpriate tls t execute the frmulated strategy, preparing a cmpliant Statement f Advice (SA), implementatin f the advice and prviding nging service and reviews t the client. The curse is ne f the key requirements fr attaining ASIC RG146 Cmpliance. 2.4 Curse Aims and Relatinship t Other Curses This curse is ne f the cre curses required fr the attainment f RG146 Cmpliance. Students are required t take FINS2643 Wealth Management as a prerequisite. The curse aims t achieve the fllwing: T reinfrce the practical knwledge f wealth management gained in FINS2643 within a cmpliance framewrk, T equip students with specific knwledge f requisite qualificatins and career paths in wealth management, and T facilitate expsure f students t a practitiner s perspective f the cnduct f wealth management advisry services. 2
2.5 Student Learning Outcmes The Curse Learning Outcmes are what yu shuld be able t DO by the end f this curse if yu participate fully in learning activities and successfully cmplete the assessment items. Upn cmpletin f this curse yu will have a wrking knwledge f cmpliance issues and regarding the practice f financial planning in Australia. Specifically, yu will: 1. Be able t describe the main pieces f legislatin gverning the industry. 2. Understand what a cmpliant Statement f Advice entails. 3. Demnstrate a wrking and practical knwledge f the financial planning industry. 4. Demnstrate an understanding f the qualificatin requirements f the industry. 5. Be able t discuss and write abut the links between financial planning techniques and cmpliance and ethical issues. 6. Critique practitiners perspectives n hw t ffer financial services. The Learning Outcmes in this curse als help yu t achieve sme f the verall Prgram Learning Gals and Outcmes fr all undergraduate students in the ASB. Prgram Learning Gals are what we want yu t BE r HAVE by the time yu successfully cmplete yur degree (e.g. be an effective team player ). Yu demnstrate this by achieving specific Prgram Learning Outcmes - what yu are able t DO by the end f yur degree (e.g. participate cllabratively and respnsibly in teams ). ASB Pstgraduate Cursewrk Prgram Learning Gals and Outcmes 1. Knwledge: Our graduates will have current disciplinary r interdisciplinary knwledge applicable in lcal and glbal cntexts. Yu shuld be able t identify and apply current knwledge f disciplinary r interdisciplinary thery and prfessinal practice t business in lcal and glbal envirnments. 2. Critical thinking and prblem slving: Our graduates will have critical thinking and prblem slving skills applicable t business and management practice r issues. Yu shuld be able t identify, research and analyse cmplex issues and prblems in business and/r management, and prpse apprpriate and well-justified slutins. 3. Cmmunicatin: Our graduates will be effective cmmunicatrs in prfessinal cntexts. Yu shuld be able t: a. Prduce written dcuments that cmmunicate cmplex disciplinary ideas and infrmatin effectively fr the intended audience and purpse, and b. Prduce ral presentatins that cmmunicate cmplex disciplinary ideas and infrmatin effectively fr the intended audience and purpse. 4. Teamwrk: Our graduates will be effective team participants. Yu shuld be able t participate cllabratively and respnsibly in teams, and reflect n yur wn teamwrk, and n the team s prcesses and ability t achieve utcmes. 5. Ethical, scial and envirnmental respnsibility: Our graduates will have a sund awareness f ethical, scial, cultural and envirnmental implicatins f business issues and practice. Yu shuld be able t: a. Identify and assess ethical, envirnmental and/r sustainability cnsideratins in business decisin-making and practice, and a. Cnsider scial and cultural implicatins f business and /r management practice. Fr mre infrmatin n the Prgram Learning Gals and Outcmes, see Part B f the curse utline. 3
The fllwing table shws hw yur Curse Learning Outcmes relate t the verall Prgram Learning Gals and Outcmes, and indicates where these are assessed (they may als be develped in tutrials and ther activities): Prgram Learning Gals and Outcmes This curse helps yu t achieve the fllwing learning gals fr all ASB undergraduate students: Curse Learning Outcmes On successful cmpletin f the curse, yu shuld be able t: 1 Knwledge Describe the main pieces f legislatin gverning the financial planning industry. Explain the financial planning prcess and hw t create a fully cmpliant financial plan. Demnstrate a wrking knwledge f the peratins f the financial planning industry. Be able t discuss and write abut the links between financial planning techniques and cmpliance and ethical issues. 2 Critical thinking and prblem slving 3a Written cmmunicatin Critique practitiner s perspectives n hw t ffer financial services. Cnstruct written wrk which is lgically and prfessinally presented. 3b Oral cmmunicatin Cmmunicate ideas in a succinct and clear manner. 4 Teamwrk Wrk cllabratively t cmplete a task. 5a. Cmpliance and Apply ethical principles t a financial ethical implicatins planning situatin. 5b. Scial and cultural awareness This task is nt specifically addressed in this curse. Curse Assessment Item This learning utcme will be assessed in the fllwing items: Examinatin Individual and Grup Assignments Examinatin Individual and Grup Assignments Grup Assignment Presentatin Class Assignment Examinatin Individual and Grup Assignments N/A 3 LEARNING AND TEACHING ACTIVITIES 3.1 Apprach t Learning and Teaching in the Curse In this curse we take an active, adult-learning apprach that stresses interactive teaching and learning. We fster this apprach thrugh a range f strategies including ur applicatin f the text, which includes targeted readings fr each tpic. Our lectures are interactive; we lk fr active student cntributins thrugh discussin and is questining that reflects yur reading and experience. Wrkshps (if any) are als interactive and heavily weighted t experiential learning that encurages yu t explre theretical cncepts, cmmunicatin skills develpment and yur mral imaginatin and ethical reasning. Our design f assessment tasks reinfrces crucial knwledge and skills areas. 4
All this prvides fr a mix f learning experiences and hands-n engagement. Our design f the curse and its learning materials encurages yu t actively reflect n yur wrkplace experiences and learning. We expect that fellw students and teachers alike will learn frm discussin f these experiences and the srts f questins and debates, in relatin t research-based thery, that they generate. 3.2 Learning Activities and Teaching Strategies The face t face and self-paced nline lectures made available each week will cmplement the cmpulsry text and ther readings fr the curse by (1) utlining the main issues relevant t the tpic, (2) reinfrcing the analytical material in the required readings, (3) intrducing relevant material nt adequately cvered in the text, and (4) drawing n recent develpments in financial system markets bth in Australia and glbally. After each lecture, students may be given a list f discussin questins frm the lecture and are required t attempt t answer the prescribed discussin questins and t jin discussins mderated by the lecturer t discuss any prblems. Lectures will be delivered face t face and lecture ntes will be psted Online. Students are encuraged t make use f the lecture material and required t attend all frms f assessment (exams, class presentatins, etc). 4 ASSESSMENT 4.1 Frmal Requirements In rder t pass this curse, yu must: achieve a cmpsite mark f at least 50; and make a satisfactry attempt at all assessment tasks (see belw). 4.2 Assessment Details Assessment Task Weighting Length Due Date Individual Assignment 20% Max. 10 pages (mre details TBA) Week 11 (mre details TBA) Grup Assignment 20% 1000 wrds Week 12/13 Final Exam 60% 2 hurs University Exam Perid Ttal 100% Individual Assignment (20%) The assignment is designed t give students an pprtunity t examine in detail and apply their learning in this curse t a real life case f a dispute between a client(s) and a financial services prvider (FSP) r wealth management prfessinal. This assignment is in the frm f a critique and mre details will be prvided in Lecture 2. Grup Assignment and Oral Presentatin (20%) Students will be assigned t a grup (alphabetically) and given a financial planning task t research n. The grup will prepare their assignment in a maximum f 7 pwer pint slides. This grup assignment is designed t give students an pprtunity t examine 5
in detail and apply their learning as a team t a financial planning task. The students will be assessed as a grup n the cntent f their assignment. Mre fr details n the task and the marking guideline will be prvided in Lecture 2 and Prject Meeting t be scheduled during week 7. Final Examinatin (60%) This is a 2-hur exam which will cnsist f multiple chice, essay type and case analysis questins. The final examinatin will be held n campus during the UNSW centrally managed examinatin perid fr Semester 2 and shuld be attended in persn. The scpe f cverage will be annunced twards the end f the curse. The final examinatin will based upn materials frm all lectures f the curse. Quality Assurance The ASB is actively mnitring student learning and quality f the student experience in all its prgrams. A randm selectin f cmpleted assessment tasks may be used fr quality assurance, such as t determine the extent t which prgram learning gals are being achieved. The infrmatin is required fr accreditatin purpses, and aggregated findings will be used t infrm changes aimed at imprving the quality f ASB prgrams. All material used fr such prcesses will be treated as cnfidential. 5 COURSE RESOURCES The prescribed textbk fr this curse is: Thmsn Australian Financial Planning Handbk 2013-14 Other texts and websites that may be useful in the curse are: Ethics and the Cnduct f Business (7th Editin) Batright, J.R. 2012. Standard f Practice Handbk (10th Editin), CFA Institute Financial Planning Cde f Ethics (current editin, cpy n Blackbard) Useful websites fr the curse are: Financial Planning Assciatin (FPA): www.fpa.asn.au Australian Securities & Investments Cmmissin (ASIC): www.asic.gv.au Additinal resurces and website links are available nline: Lecture ntes and additinal reference articles Imprtant ntices, a message bard and ther frms f cmmunicatin 6 COURSE EVALUATION AND DEVELOPMENT Each year feedback is sught frm students and ther stakehlders abut the curses ffered in the Schl and cntinual imprvements are made based n this feedback. UNSW's Curse and Teaching Evaluatin and Imprvement (CATEI) Prcess is ne f the ways in which student evaluative feedback is gathered. In this curse, we will seek yur feedback thrugh CATEI evaluatins. 6
Week 1 3 March 7 COURSE SCHEDULE Lecture Schedule Lectures start in Week 1 and finish in Week 12. LECTURE SCHEDULE Week Tpic Reference Week 2 10 March Intrductin t financial Planning and The financial planning prcess Prviding Advice Ethics & Cmpliance 1 & 2 FPA Cde f Ethics, : 21 Week 3 17 March Week 4 24 March Week 5 31 March Week 6 7 April Week 7 14 April Week 8 28 April Week 9 5 May Week 10 12 May Week 11 19 May Week 12 26 May Week 13 2 June Taxatin Part 1: Taxatin Part 2: Superannuatin Self-Managed Super Funds (SMSFs) Mid-Sessin Exam - (1 hur), and Prject Meeting, fr mre details n the Grup Assignment Mid-Semester break: 18 April 27 April Investment Part1 Investment Part 2 Risk Insurance Estate Planning Individual assignment due Retirement Planning & Grwing Older Issues Grup assignment due NO LECTURES 3 & 4 5,6 10 &11 7 8 9,19 & 20 9,19 & 20 18 13 12 &17 7
PART B: KEY POLICIES, STUDENT RESPONSIBILITIES AND SUPPORT 8 PROGRAM LEARNING GOALS AND OUTCOMES The Australian Schl f Business Prgram Learning Gals reflect what we want all students t BE r HAVE by the time they successfully cmplete their degree, regardless f their individual majrs r specialisatins. Fr example, we want all ur graduates t HAVE a high level f business knwledge, and a sund awareness f ethical, scial, cultural and envirnmental implicatins f business. As well, we want all ur graduates t BE effective prblem-slvers, cmmunicatrs and team participants. These are ur verall learning gals fr yu. Yu can demnstrate yur achievement f these gals by the specific utcmes yu achieve by the end f yur degree (e.g. be able t analyse and research business prblems and prpse well-justified slutins). Each curse cntributes t yur develpment f tw r mre prgram learning gals/utcmes by prviding pprtunities fr yu t practise these skills and t be assessed and receive feedback. Prgram Learning Gals fr undergraduate and pstgraduate students cver the same key areas (applicatin f business knwledge, critical thinking, cmmunicatin and teamwrk, ethical, scial and envirnmental respnsibility), which are key gals fr all ASB students and essential fr success in a glbalised wrld. Hwever, the specific utcmes reflect different expectatins fr these levels f study. We strngly advise yu t chse a range f curses which assist yur develpment f these skills, e.g., curses assessing written and ral cmmunicatin skills, and t keep a recrd f yur achievements against the Prgram Learning Gals as part f yur prtfli. ASB Pstgraduate Cursewrk Prgram Learning Gals and Outcmes 1. Knwledge: Our graduates will have current disciplinary r interdisciplinary knwledge applicable in lcal and glbal cntexts. Yu shuld be able t identify and apply current knwledge f disciplinary r interdisciplinary thery and prfessinal practice t business in lcal and glbal envirnments. 2. Critical thinking and prblem slving: Our graduates will have critical thinking and prblem slving skills applicable t business and management practice r issues. Yu shuld be able t identify, research and analyse cmplex issues and prblems in business and/r management, and prpse apprpriate and well-justified slutins. 3. Cmmunicatin: Our graduates will be effective cmmunicatrs in prfessinal cntexts. Yu shuld be able t: c. Prduce written dcuments that cmmunicate cmplex disciplinary ideas and infrmatin effectively fr the intended audience and purpse, and d. Prduce ral presentatins that cmmunicate cmplex disciplinary ideas and infrmatin effectively fr the intended audience and purpse. 4. Teamwrk: Our graduates will be effective team participants. Yu shuld be able t participate cllabratively and respnsibly in teams, and reflect n yur wn teamwrk, and n the team s prcesses and ability t achieve utcmes. 5. Ethical, scial and envirnmental respnsibility: Our graduates will have a sund awareness f ethical, scial, cultural and envirnmental implicatins f business issues and practice. Yu shuld be able t: a) Identify and assess ethical, envirnmental and/r sustainability cnsideratins in business decisin-making and practice, and b) Cnsider scial and cultural implicatins f business and /r management practice. 8
9 ACADEMIC HONESTY AND PLAGIARISM The University regards plagiarism as a frm f academic miscnduct, and has very strict rules regarding plagiarism. Fr UNSW plicies, penalties, and infrmatin t help yu avid plagiarism see: http://www.lc.unsw.edu.au/plagiarism/index.html as well as the guidelines in the nline ELISE and ELISE Plus tutrials fr all new UNSW students: http://inf.library.unsw.edu.au/skills/tutrials/infskills/index.htm. T see if yu understand plagiarism, d this shrt quiz: http://www.lc.unsw.edu.au/plagiarism/plagquiz.html. Fr infrmatin n hw t acknwledge yur surces and reference crrectly, see: http://www.lc.unsw.edu.au/nlib/ref.html. Fr the ASB Harvard Referencing Guide, see the ASB Referencing and Plagiarism webpage (ASB >Learning and Teaching>Student services> Referencing and plagiarism). 10 STUDENT RESPONSIBILITIES AND CONDUCT Students are expected t be familiar with and adhere t university plicies in relatin t class attendance and general cnduct and behaviur, including maintaining a safe, respectful envirnment; and t understand their bligatins in relatin t wrklad, assessment and keeping infrmed. Infrmatin and plicies n these tpics can be fund in the A-Z Student Guide : https://my.unsw.edu.au/student/atz/a.html. See especially, infrmatin n Attendance and Absence, Academic Miscnduct, Assessment Infrmatin, Examinatins, Student Respnsibilities, Wrklad and plicies such as Occupatinal Health and Safety. 10.1 Wrklad It is expected that yu will spend at least nine t ten hurs per week studying this curse. This time shuld be made up f reading, research, wrking n exercises and prblems, nline activities and attending classes. In perids where yu need t cmplete assignments r prepare fr examinatins, the wrklad may be greater. Over-cmmitment has been a cause f failure fr many students. Yu shuld take the required wrklad int accunt when planning hw t balance study with emplyment and ther activities. We strngly encurage yu t cnnect with yur Mdle curse websites in the first week f semester. Lcal and internatinal research indicates that students wh engage early and ften with their curse website are mre likely t pass their curse. fr mre infrmatin n expected wrklad: https://my.unsw.edu.au/student/atz/unitsofcredit.html 9
10.2 Attendance Yur regular and punctual attendance at lectures and seminars is expected in this curse. University regulatins indicate that if students attend less than 80% f scheduled classes they may be refused final assessment. https://my.unsw.edu.au/student/atz/attendanceabsence.html 10.3 General Cnduct and Behaviur Yu are expected t cnduct yurself with cnsideratin and respect fr the needs f yur fellw students and teaching staff. Cnduct which unduly disrupts r interferes with a class, such as ringing r talking n mbile phnes, is nt acceptable and students may be asked t leave the class. Mre infrmatin n student cnduct is available at: https://my.unsw.edu.au/student/atz/behaviurofstudents.html 10.4 Occupatinal Health and Safety UNSW Plicy requires each persn t wrk safely and respnsibly, in rder t avid persnal injury and t prtect the safety f thers. Fr mre infrmatin, see http://www.hs.unsw.edu.au/. 10.5 Keeping Infrmed Yu shuld take nte f all annuncements made in lectures, tutrials r n the curse web site. Frm time t time, the University will send imprtant annuncements t yur university e-mail address withut prviding yu with a paper cpy. Yu will be deemed t have received this infrmatin. It is als yur respnsibility t keep the University infrmed f all changes t yur cntact details. 11 SPECIAL CONSIDERATION AND SUPPLEMENTARY EXAMINATIONS Yu must submit all assignments and attend all examinatins scheduled fr yur curse. Yu shuld seek assistance early if yu suffer illness r misadventure which affects yur curse prgress. General Infrmatin n Special Cnsideratin: 1. All applicatins fr special cnsideratin must be ldged nline thrugh myunsw within 3 wrking days f the assessment (Lg int myunsw and g t My Student Prfile tab > My Student Services channel > Online Services > Special Cnsideratin). Yu will then need t submit the riginals r certified cpies f yur cmpleted Prfessinal Authrity frm (pdf - dwnlad here) and ther supprting dcumentatin t Student Central. Fr mre infrmatin, please study carefully in advance the instructins and cnditins at: https://my.unsw.edu.au/student/atz/specialcnsideratin.html. 10
2. Please nte that dcumentatin may be checked fr authenticity and the submissin f false dcumentatin will be treated as academic miscnduct. The Schl may ask t see the riginal r certified cpy. 3. Applicatins will nt be accepted by teaching staff. The lecturer-in-charge will be autmatically ntified when yu ldge an nline applicatin fr special cnsideratin. 4. Decisins and recmmendatins are nly made by lecturers-in-charge (r by the Faculty Panel in the case f UG final exam special cnsideratins), nt by tutrs. 5. Applying fr special cnsideratin des nt autmatically mean that yu will be granted a supplementary exam r ther cncessin. 6. Special cnsideratin requests d nt allw lecturers-in-charge t award students additinal marks. Special Cnsideratin and the Final Exam: Applicatins fr special cnsideratin in relatin t the final exam are cnsidered by an ASB Faculty panel t which lecturers-in-charge prvide their recmmendatins fr each request. If the Faculty panel grants a special cnsideratin request, this will entitle the student t sit a supplementary examinatin. N ther frm f cnsideratin will be granted. The fllwing prcedures will apply: 1. Supplementary exams will be scheduled centrally and will be held apprximately tw weeks after the frmal examinatin perid. The dates fr ASB supplementary exams fr Semester 1, 2014 are: 15th July exams fr the Schl f Accunting 16th July exams fr all Schls except Accunting and Ecnmics 17th July exams fr the Schl f Ecnmics If a student ldges a special cnsideratin fr the final exam, they are stating they will be available n the abve dates. Supplementary exams will nt be held at any ther time. 2. Where a student is granted a supplementary examinatin as a result f a request fr special cnsideratin, the student s riginal exam (if cmpleted) will be ignred and nly the mark achieved in the supplementary examinatin will cunt twards the final grade. Failure t attend the supplementary exam will nt entitle the student t have the riginal exam paper marked and may result in a zer mark fr the final exam. If yu attend the regular final exam, yu are extremely unlikely t be granted a supplementary exam. Hence if yu are t ill t perfrm up t yur nrmal standard in the regular final exam, yu are strngly advised nt t attend. Hwever, granting f a supplementary exam in such cases is nt autmatic. Yu wuld still need t satisfy the criteria stated abve. The ASB s Special Cnsideratin and Supplementary Examinatin Plicy and Prcedures fr Final Exams fr Undergraduate Curses is available at: http://www.asb.unsw.edu.au/currentstudents/resurces/frms/dcuments/supplementa ryexamprcedures.pdf. 11
12 STUDENT RESOURCES AND SUPPORT The University and the ASB prvide a wide range f supprt services fr students, including: ASB Educatin Develpment Unit (EDU) http://www.asb.unsw.edu.au/learningandteaching Click n Student Services. Academic writing, study skills and maths supprt specifically fr ASB students. Services include wrkshps, nline resurces, and individual cnsultatins. EDU Office: Rm GO7, Grund Flr, ASB Building (ppsite Student Centre); Phne: 9385 5584; Email: edu@unsw.edu.au. Visit us n Facebk: www.facebk.cm/educatindevelpmentunit. ASB Student Centre http://www.asb.unsw.edu.au/requests Advice and directin n all aspects f admissin, enrlment and graduatin. Grund Flr, West Wing, ASB Building; Phne: 9385 3189 Mdle elearning Supprt: Fr nline help using Mdle, fllw the links frm www.elearning.unsw.edu.au t Mdle / Supprt fr Students. Fr technical supprt, email: itservicecentre@unsw.edu.au; Phne: 9385 1333. UNSW Learning Centre (www.lc.unsw.edu.au) Academic skills supprt services, including wrkshps and resurces, fr all UNSW students. See website fr details. Library training and search supprt services http://inf.library.unsw.edu.au/web/services/services.html IT Service Centre: Technical supprt fr prblems lgging in t websites, dwnlading dcuments etc. https://www.it.unsw.edu.au/students/index.html UNSW Library Annexe (Grund flr). UNSW Cunselling and Psychlgical Services http://www.cunselling.unsw.edu.au Free, cnfidential service fr prblems f a persnal r academic nature; and wrkshps n study issues such as Cping with Stress and Prcrastinatin. Office: Level 2, Quadrangle East Wing; Phne: 9385 5418. Student Equity & Disabilities Unit http://www.studentequity.unsw.edu.au Advice regarding equity and diversity issues, and supprt fr students wh have a disability r disadvantage that interferes with their learning. Office: Grund Flr, Jhn Gdsell Building; Phne: 9385 4734. 12