This article is authored by Brown Advisory Incorporated, a company established in the United States of America. The views expressed are solely those of the author and do not necessarily reflect the views of Ironbark Asset Management (Fund Services) Limited ABN 63 116 232 154 AFSL 298626, trading as Ironbark Investment Solutions (Ironbark). The article does not constitute financial product advice and should not be relied upon as such. Ironbark does not endorse or take responsibility for the accuracy or completeness of the information contained in this article. Investment regulations and conditions may differ in Australia. You should seek independent advice having regard to your objectives, financial situation, and needs before making any investment decision. The views expressed in this article are solely those of the author(s) and do not necessarily reflect the views, opinions or positions of Ironbark, its affiliates, employees or representatives.