LawNews- Issue 28

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adls.org.nz NEWS Aug 19, 2022 Issue 28 Inside ■ OPINION Be careful what you wish for P03-04 ■ ENVIRONMENT Great plan but what will it cost? P05 FMA turns up the heat on ‘ETHICAL’ FUNDS

02Contents LawNews is an official publication of Auckland District Law Society Inc. Editor:(ADLS).Jenni McManus Publisher: ADLS Editorial and contributor enquiries to: Jenni021McManus971598Jenni.Mcmanus@adls.org.nz Advertising enquiries to: Darrell Denney 021 936 Darrell.Denney@adls.org.nz858 All mail to: ADLS, Level 4, Chancery Chambers, 2 Chancery Street, Auckland 1010 PO Box 58, Shortland Street DX CP24001, Auckland 1140, LawNewsadls.org.nzis published weekly (with the exception of a small period over the Christmas holiday break) and is available free of charge to members of ADLS, and available by subscription to non-members for $140 (plus GST) per year. To subscribe, please reception@adls.org.nz.email ©COPYRIGHT and DISCLAIMER Material from this publication must not be reproduced in whole or part without permission. The views and opinions expressed in this publication are those of the authors and, unless stated, may not reflect the opinions or views of ADLS or its members. Responsibility for such views and for the correctness of the information within their articles lies with the authors. Legal profession review: be careful what you wish forMEMBERSSTANDARDSCORPORATISATION 03-04 Climate change plan lacks costings and strategyPRIORITIESRISKADAPTATION 05 ‘Ethical’ investing under the microscopeINVESTORSCREDENTIALSGREENWASHING 06-08 EVENTS 09 Cover: warodom changyencham / Getty Images DATE EXTENDED For those planning to make submissions to the independent panel reviewing the legal profession, the cut-off date has been extended to 31 August. Don’t stay silent! LawNews also welcomes your views for publication on any, or all, of the topics up for Pleasediscussion.contact the editor: Jenni.McManus@adls.org.nz FEATURED CPD 10-11 CPD IN BRIEF 12 ImagesGetty/vasilikiPhoto:

Second to competence is accountability. We are the only profession where it’s possible to receive millions of dollars into our trust accounts on nothing more than an undertaking. Let the gravity of that sink in for a moment. We are the sum total of all the legal professionals before us who provided competent advice, kept their word, were accountable and held to account. When one strayed, we as a profession stepped up and made it right and our governing body did a reasonable job of deterring poor behaviour. Again, I am not suggesting we are perfect. We are, however, extremely good as a profession because of these safeguards.

03 Aug 19, 2022 Issue 28 Continued on page 04

The legal profession: if it ain’t broke, don’t fix it

Justice can be achieved only through competence at all levels of the judicial system. That includes the lawyers acting, opposing and the judges presiding. There is no shortcut to competence; it can be obtained only through rigorous academic education and years of relevant experience. The law, and consequently justice, is the foundation of our society. To erode it, water it down or dismiss what we do will derogate the fabric of society, if not immediately then certainly eventually.Access to justice is not the same as access to pizza, fashion or ordering an Uber. It is not simply about access to a commodity and it certainly isn’t simply about affordability.

Poor advice and/or representation from a less-than-competent advisor is not justice. In my opinion, employment advocates are a prime example of this.

This is why we have clients and not customers.

Sam Khalesi If NZLS makes a mistake, all involved will be

vanityorthannothingprofessionoftheasrememberedforeverthecauseofdownfallasuccessfulforothernaivetyworse,

It is imperative that NZLS avoids the post-modernist fetish of tearing down long-established institutions and traditions, only to replace them with ideological fantasy Sam Khalesi I acknowledge all the current and former members of our fraternity for we have inherited a legal system which at its core remains deeply concerned about justice with an entrenched commitment to clients and their affairs. Although not perfect, our legal system is second to none. I am proud to be a member of the legal fraternity and deeply concerned at the proposed changes by NZLS.

rules have done so at the behest of lobbyists with very particular agendas.Ihave heard from one member that “we are falling behind our international counterparts”. That is indeed true if we were in a race to the bottom. Having given our fraternity the well-deserved acknowledgment, it’s also important to again opine on some of the changes proposed by NZLS.

It is imperative that NZLS avoids the post-modernist fetish of tearing down long-established institutions and traditions, only to replace them with ideological fantasy. Before we start to chant “defund the law” (or the NZLS version of the same), let us not forget what came before and admit, at least to ourselves, that the legal system we have inherited, with all its fallings and lack of funding, has and continues to serve our communities well. The system is not perfect but it is, for the lack of a better word, good. We as a fraternity are generally good and in my experience we still care for our clients and respect the legal system we have inherited.Society has expectations of us which are higher than those of most other professions. It’s a big deal when one in our fraternity decides to break covid restrictions and travel to Wanaka. It is a big deal in our profession when we hear of sexual misconduct by senior members of our fraternity. I suggest the headlines would be far less impactful if it were an engineer taking a trip to Wanaka in similarThesecircumstances.arenotsignsof a failing institution – in fact, quite the opposite.Society still expects us to be held to the highest of standards and this is not a bad thing. It is precisely why people respect, listen to and take advice from their lawyers and still look to the legal system for justice. We must at all cost resist the urge to blindly follow international trends. Larger jurisdictions that have relaxed their

Will opening up our profession to non-lawyers improve access to justice?

Opening up our profession to non-lawyers (loosely termed “corporatisation”) under the guise of improving access to justice is little more than propaganda created by overseas lobbyists to open our profession to private money. The same rhetoric was used when lobbyists came after the medical profession in the United States and the statistics are sufficiently compelling to suggest we should do everything in our power to avoid the same mistakes.

OPINION/LEGAL PROFESSION

The economics of corporatisation

At a recent NZLS event, a member disagreed with my view that over time, the sector would consolidate and once consolidated (like the medical profession in the US) all indicators, for both patients and practitioners, would deteriorate. They disagreed that corporatisation would lead to an increase in prices and a decrease in the quality of service though these are well-accepted outcomes of consolidation within any industry.

Importantly, the authors noted that every company in every industry will go through these four stages or disappear. Our legal profession will be no different. We are already seeing this in other jurisdictions which have permitted corporatisation. For example, the world’s largest litigation funder, Burford Capital, took a minority stake in specialist London fraud firm PCB Byrne.

In an article published by The Harvard Business Review, the authors observed that when an industry forms or is deregulated, it will move through four stages of consolidation: opening, scale, balance and alliance. It will take on average 25 years to progress through all four stages.

NEW TITLE

It is easy to see why we have such extensive conflict of interest rules – to avoid exactly these situations. We urge NZLS to consider why we have the rules we have and the long-term damage to the legal system if it continues down the track of corporatisation.

Sam Khalesi is a director of GML Lawyers ■

The inherited,wesystemlegalhave with all its fallings and lack of funding, has and continues to serve wellcommunitiesour

The Law of Costs in New Zealand

If NZLS makes a mistake, all involved will be forever remembered as the cause of the downfall of a successful profession for nothing other than naivety or worse, vanity. ■

I do not suggest waiting that long, but I do suggest we observe and see if in fact the trajectory is as economists predict and then decide what changes are appropriate and what are not.

What would stop criminal organisations having shares in a small law firm and laundering money through the trust account or bypassing AML? What about insurance companies? What would protect clients from, say, two firms (each owned by an insurer) over time coming to various agreed positions on the quantum of settlements? Both firms are conflicted in that they are interested in ensuring insurance pay-outs across the board are lower (to benefit their shareholders) rather than to maximise their clients’ pay-outs.

04

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Continued from page 03 You cannot sacrifice one goat to two gods I am surprised at the irony of the changes being proposed by NZLS. On the one hand, it seeks higher standards such as diversity training, reporting standards for bullying and sexual misconduct and diversity in the profession, to name just a few. On other hand, it is proposing to permit corporatisation of the industry. These two concepts are non-compatible and as the subhead suggests, you cannot have both. Think for a moment about a senior practitioner, Mr X, who is charged with sexual misconduct and sanctioned by NZLS and unable to hold a practising certificate for two years. Under the proposed corporatisation model, this isn’t a big deal. Mr X would continue to retain his shareholding in his firm, contract to the firm as a consultant, continue preparing advice for clients and work in the background and profit from the legal profession.MrXwould have all documents requiring a solicitor’s signature executed by a junior staff member with a practising certificate. There would be minimal disruption to his day-to-day work life.

Authors David Bullock, Tim Mullins

It’s happening in our backyard as well. Wotton + Kearney, a law firm based in Australia and specialising in insurance law, announced it had sold a minority stake in the firm to a private equity company for an undisclosed sum. The private equity firm, Straight Bat, has taken a 30% stake. We should not rush to follow our counterparts in other jurisdictions and should, at the very least, wait to see how they fare over a longer time span especially as consolidation may take up to 25 years.

The plan rightly emphasises the need to continually evaluate the effectiveness of adaptation but it lacks a structured process, leaving it unclear how adaptation will be tracked over time. This limits the scope for how much we can learn from what works or doesn’t, and make adjustments accordingly. Who will pay?

Anita Wreford New Zealand’s national adaptation plan, launched last week, offers the first comprehensive approach to how communities can prepare for the inevitable impacts of a changing climate. Having a plan is critical. Reactive and ad hoc adaptation could create more problems on top of those already caused by climate change. Based on priority risks identified in the national climate change risk assessment, the plan gives clearer direction around decision-making for long-term investments such as infrastructure and housing.Itprovides more clarity for local government – for example, by specifying which climate change scenario it should use when assessing risks to coastal areas from sea-level rise. It also sets out actions to review the sharing of adaptation costs between local and national government – an urgent step, meaning councils can begin making realistic plans for their own local adaptation.Butsome aspects of the plan lack strategy and structure. It is more like a series of actions, some connected, others quite discrete, with many already happening anyway. The absence of Te Tiriti in the framing is concerning, as is the fact some of the main funding sources for adaptation research (such as the national science challenges) end in 2024. Priorities for adaptation The adaptation plan is legislated under the Climate Change Response (Zero Carbon) Amendment Act (2019) and is required to address risks identified in the earlier national risk assessment This includes risks to coastal and native ecosystems, social cohesion, the economy and financial systems and basic needs such as potable water.The four goals that underpin the adaptation plan are essentially unarguable: reduce vulnerability to climate change impacts, enhance adaptive capacity, consider climate change in all decisions and strengthen resilience. Four more specific priority areas are identified as: ■ enabling better risk-informed decisions; ■ driving climate-resilient development in the right places; ■ laying the foundations for a range of adaptation options, including managed retreat; and ■ embedding climate resilience across government

The plan makes clear the government cannot bear all the costs of adaptation. However, the Intergovernmental Panel on Climate Change (IPCC) has emphasised there will be limits to effective adaptation, particularly if we fail globally to keep on page 13

Other important questions around costs and timing are not addressed directly, including how much more difficult and costly delayed adaptation would be. We need more guidance and direction for investments in an uncertain future, because many of the tools we currently use, such as cost benefit analysis, can’t handle uncertainty very well.

The costs of managed retreat are increasingly (and justifiably) receiving attention but it remains uncertain who will be expected to pay.

CLIMATE CHANGE

05 Aug 19, 2022 Issue 28

The plan touches only superficially on the financing of adaptation, which is a major concern (although let’s not forget that not adapting will cost far more).

The plan rightly emphasises the need to continually evaluate the effectiveness of adaptation but it lacks a structured process, leaving it unclear how adaptation will be tracked over time

Crucial questions about cost and timing remain unanswered in NZ’s first climate change adaptation plan

Continued

Two of the priority areas identified in the climate change risk assessment involve financial stability and theTheeconomy.requirement for listed companies to begin identifying and disclosing their climate-related risk and how they are going to minimise it is an important first step.

Thepolicy.adaptation plan is structured around actions that relate either to system-wide issues or five “outcome areas” which broadly align with the domains identified in the risk assessment. These are the natural environment; homes, buildings and places; infrastructure; communities; and the economy and financial system. Lack of strategy This all sounds relatively sensible so far. The principles guiding the plan are grounded in adaptation theory and concepts Yet the plan still lacks strategy and structured planning. It harnesses existing initiatives already underway, which makes practical sense but could make it difficult to maintain oversight of how adaptation is being implemented.

Greenwashing As demand for these funds increases, the FMA says it wants to ensure investors can be confident that products are delivering what they promise and that investors are protected from false and misleading claims. It is the overall impression that counts and omissions can be as misleading as false statements, it says.

“We didn’t find anything misleading but we did find lots of imprecision, lots of vagueness, lots of things that were too high-level to determine what they meant, let alone what would substantiate them,” he says.

“The reality is that there aren’t any defined standards as to what ‘ethical’ and ‘responsible’ mean and the regulator is The fundscredentialsmakingthereasonabletomanagerstheofincludedguidancethesortframeworkFMAexpectstousesubstantiateongroundsclaimsthey’reabouttheoftheir

FINANCIAL SERVICES

Samantha Barrass Paul Gregory

Jenni McManus The Financial Markets Authority (FMA) has signalled a crackdown on fund managers who claim their products are environmentally friendly but fail to back up these assertions by clearly explaining to investors how and why they are made.Late last month the FMA released a review of 14 KiwiSaver and other managed funds, benchmarked against ESG (environmental, social and governance) investment guidance the regulator issued back in December 2020. The guidance included the type of framework the FMA expects managers to use to substantiate on reasonable grounds the claims they’re making about the credentials of their funds.

As part of the review, the FMA surveyed 2500 people, using keywords the funds themselves used in the names or descriptions. It found that while 68% of respondents said they wanted ethical and responsible investments, few were actually buying into these funds. Of that 68%, only 26% had chosen a fund manager based on its ethical credentials. The FMA concedes part of the problem is investor inertia. Most investors don’t read formal product disclosure statements and instead rely on fund managers’ websites and marketing materials and the opinions of their friends. But the industry is also at fault. The FMA wants disclosure statements to be more clearly and crisply written and in plain English so investors can make informed decisions.

“Investors were overwhelmed by technical jargon and often relied on a leap in faith in choosing an ethical investment,” says Paul Gregory, the FMA’s director of investment management. Others abandoned the search because it was “too hard”. “The simpler it is, the easier it is to understand and for investors to substantiate,” Gregory says. “It’s up to fund managers to have their own processes. They just need to explain it well and prove it. They just can’t pretend to be impressive and lie about it.”

Samantha Barrass, the FMA’s chief executive, told the market back in March that the regulator would be targeting greenwashing as a priority this year.

The survey also found that descriptions of a fund’s nonfinancial benefits or objectives are sometimes so high-level that they are useless. And funds did not give investors enough information on performance measurement, reporting and the consequences of breaches.

Clear, effective and cohesive communications are what’s needed and as far as the FMA is concerned, websites, marketing and advertising collateral are all part of the disclosure regime. Gregory says investors tend to look at all this material, so it needs to form a clear overall picture.

Gregory says while the primary aim of the recent review was to check the industry’s uptake of the December 2020 guidance, it was also looking for evidence of greenwashing.

06 Continued on page 07

FMA turns up the heat on ‘ethical and ‘responsible’ investment funds

He says managers need to do a better job on both product disclosure and ensuring their websites, marketing and advertising materials “knit together” so investors can be confident that products are delivering what they promise.

‘Greenwashing’ – the making of false or misleading claims about a fund or product’s ethical credentials – is a breach of the Financial Markets Conduct Act 2013. The FMA can make stop orders to ban advertising or other disclosures that confuse, or are likely to confuse, investors on matters that influence their investment decisions. The penalty for failing to comply is a fine of up to $300,000.

Mandatory standards But Barry Coates, founder and CEO of the Mindful Money charity, wants the FMA to go further. He says it should be setting and enforcing mandatory standards for ethical investing in the same way that the External Reporting Board (XRB) is doing for climate change. A clear set of standards would enable comparisons to be made between funds. Coates says the XRB has been asked to do the groundwork on this after completing its climate change project, but these standards will be only voluntary. He thinks this is a mistake and wants compulsory standards as the audience for financial information is potential investors who are not necessarily experts. Mindful Money did its own ethical investment survey back in April, in conjunction with the RIAA (Responsible Investment Association of Australasia). This found that despite concerns about greenwashing, nearly three-quarters of respondents (73%) wanted their funds to be invested responsibly and ethically, and 56% said they would consider switching KiwiSaver funds if they discovered their fund was investing in companies that were not consistent with their values. The survey also points to what Mindful Money calls a “crucial” link between ethical investment and savings. If people knew their savings would make a positive difference, 53% said they would be motivated to save more. About two-thirds of those who do not already have an ethical or responsible fund said they are looking to invest in such a fund in the future. Demand is particularly strong among women (80%) and younger generations (71%) compared with only 63% of men. The researchers say this support comes from a range of income groups, including those on low incomes and with low KiwiSaver balances. “Investing ethically is an issue for all, not just those with high levels of discretionary investment.”Formany of those surveyed, it appears investors are not simply looking for funds that do well but investments that also do good. For 62%, it is important that their investments make a positive difference in the world.

Fund managers making ESG claims can expect additional scrutiny from now on. “We’re done signalling, basically,” Gregory says. “We’ve said, ‘this is our view, this is the guidance and this is what we expect’. We’ve shown there’s a lot of work to do on disclosure, we’ve shown in the other research why the investor perspective matters.

Continued from page 06 the last person who should do that. So, if [fund managers] are doing that, [they] need to be very clear what [they] mean.”Inother words, it is up to individual managers to define ‘ethical’ and ‘responsible’ and then do the downstream work of determining risk and impact.

07 Aug 19, 2022 Issue 28

“And if you think about what’s coming by way of climate disclosure where it’s compulsory for some fund managers to report on this stuff, the direction of travel, plus the work we’ve done to date – it all points to doing a better job of this pretty quick.“We’d expect to get a few complaints and that would be from investors or fund managers dobbing each other in because that’s what they do, so we’ll have plenty to go on, I suspect.”

Independent certification More than 50% of Mindful Money’s respondents were concerned about greenwashing and 54% would be more likely to invest in a fund that was certified by an independent thirdGregoryparty. likes this idea, so long as the basis for the certification is clear. He notes some managers have funds certified by RIAA where the criteria can be clearly visible and the process is “reasonably robust”.

“You can understand why fund managers might not want to trip themselves up with too much detail but unfortunately this isn’t about ethics,” Gregory says. “It’s about values and it has been shown in this market and others that while [some] people aren’t prepared to pay more for that type of product, in other cases, the [ESG] impact is more important than a financial return. “So, if these are the choices being made by investors, then that better be what’s happening.”

While 68% fundsbuyingwereinvestments,andtheyrespondentsofsaidwantedethicalresponsiblefewactuallyintothese

Continued on page 08

ConductFinancial–ethicalfundclaimsfalse–‘Greenwashing’themakingoformisleadingaboutaorproduct’scredentialsisabreachoftheMarketsAct2013

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It has five key tips for managers who want to stay on the right side of the law with their ESG funds:

LawNews reaches a discerning audience of nearly 6000 lawyers, judges, politicians and academics every week. Get your message in front of them. Call our advertising executive, Darrell Denney, on 021 936 858 or email Darrell on Darrell.denney@adls.org.nz

Continued

■ Explain how you will measure performance and deal with investments that no longer meet the original criteria for selection into ESG funds.

Coates thinks it’s important that the RIAA provides product certification but says it’s not a substitute for good public information.

08

Dedicated reports

The reality is that there aren’t any defined standards as to what ‘ethical’ and ‘responsible’ mean and the regulator is the last person who should do that

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“I think that’s a valid concern which is why we’d like to see some clear reporting standards because once you get them, it becomes comparable across some funds. There is a risk of ending up with mountains of paperwork and no way of comparingChapmanfunds.”Tripp agrees. “The fundamental problem is the absence of agreed terms and definitions,” it says on its website, “and the temptation this creates to resort to puffery in order to avoid potential legal liability. To its credit, the industry is working actively and collectively to address this through the development of clear taxonomies and certification programs.”

Pathfinder was first off the mark last year, describing its sustainability report as “transparent and meaningful disclosures” that would explain how the business is tracking towards its sustainability and returns goals. And, as CEO John Berry puts it, Pathfinder had been investing ethically “since before it was cool”.

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“But again, on the transparency and disclosure part, [there is a] need to disclose exactly what that certification looked at. How tough was it? Or was it just a rubber stamp?”

Harbour’s managing director Andrew Bascand says his firm’s first annual sustainability report, released recently, was in response to increased investor demand that their fund managers pay attention to non-financial risks and focus on ESGHeaspects.saysHarbour will publish and report openly each year as the firm develops its approach to sustainable investing. “Both our local fixed income and equities investment processes consider ESG matters, alongside the case for generating investment returns.” As its main tool for monitoring and assessing ESG concerns, Harbour uses a corporate behaviour survey tool, developed by the firm in 2009. Among other issues, the tool monitors responses to climate change, diversity, inequality and “Therewellness.is no end in sight to developing meaningful insight on sustainable investing,” Bascand says. He also notes that good governance often correlates with responsible investing. ■ from page 07

Around the industry, Coates says he is hearing lots of anxiety about the compliance burden. And because managers will need to provide evidence for their ESG claims, there are worries about the volumes of paperwork that will ensue – and that investors will be even more reluctant to read it.

“In the same way as you’ll want to know the data from financial returns from the funds you might invest in, we need information on the social and environmental impacts. Certification is not a displacement for that. It’s useful but we need the proper disclosure and reporting for the public.”

While most managers are a long way from meeting the FMA’s expectations for ESG funds, two firms – Harbour Asset Management and Pathfinder – have produced dedicated sustainability reports.

■ Explain exclusions. Set out why the fund has excluded particular companies and sectors, and how exclusions will be applied in the future; ■ Be clear about the relevance and weight of financial and non-financial factors in decision-making and the risks that come from including non-financial factors; ■ Set out how you will select investments for your ESG funds; ■ Don’t rely in ‘high-level’ and amorphous claims of nonfinancial benefits and impacts; and

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Another point missing in the adaptation plan is how the government will manage potential unintended consequences of private-sector adaptation and conflicts between groups. For example, coastal defences such as sea walls or stop banks may protect one area but shift the problem along the coast or downstream. Increasing irrigation to cope with variable rainfall or drought could create conflicts between other water users and the environment. However, an inter-departmental executive board will be tasked with providing transparency of implementation, improving coordination within central government and enabling accountability. This will be critical to the plan’s effectiveness and ultimately the resilience of Aotearoa New Zealand in a changing climate.

Continuedpermissionfrom

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When adaptation is not implemented effectively or is not sufficient to cope with the severity of climate change, some of the costs may fall back on the government. This might be directly through disaster relief funding or indirectly through job losses. How government at all levels will handle these costs remains unclear. Unintended consequences

• Have a positive and flexible attitude.

• Be a supportive team member,

Key skills sets are:

• Excellent time management skills/attention to detail,

■ Anita Wreford is a professor of applied economics at Lincoln University ■ This piece was first published in The Conversation and is republished with page 05

13 Aug 19, 2022 Issue 28 HAVERKORT Christopher John • Late of Auckland and Maketu • Company director • Aged 65 / Died 03’07’22 TEVI ‘Elisapeti • Late of 5/30 Princes Street, Otahuhu, Auckland • Community worker • Aged 71 / Died 14’07’11 WILL INQUIRIES Please refer to deeds clerk. Please check your records and advise ADLS if you hold a will or testamentary disposition for any of the following people. If you do not reply within three weeks it will be assumed you do not hold or have never held such a document LawNews: The no-hassle way to source missing wills for $80.50 (GST Included) reception@adls.org.nz ADLS, PO Box 58, Shortland Street, DX CP24001, Auckland 1140 Fax: (09) 309 3726 (09) 303 5270 Volunteers are sought for the Legal Advice Service at the Auckland Central Citizens Advice Bureau Volunteers currently average one duty every six weeks.  The Legal Advice Service is based on the 1st Floor of the Auckland Central Public Library, 44-46 Lorne Street. Hours: 5.30 p.m. to 7.00 p.m. Mondays and Thursdays For further information contact: Don Phone:Wackrow(09)379 5026 or Email: don@wpalawyers.co.nz LEGAL ADVICE SERVICE Volunteers wanted INTERMEDIATE SOLICITORS (2) We are looking for 2 solicitors, ideally with 2 to 3 years’ legal office experience. The positions will mainly involve work in residential, commercial and farm conveyancing.

14 Burning Issues in Employment Law Forum 2022 Wednesday 21 September | 4pm - 6pm | In Person - Auckland This year’s theme is worker vulnerability in 2022, so join us as we consider the scorching developments. Let the sparks fly as a veritable cornucopia of searingly hot issues are discussed and smoulder on well after the event is over. T 09 303 5278 E cpd@adls.org.nz W adls.org.nz/cpd 2 HOURSCPD Work-Life Balance: Tips for Creating and Maintaining Control Tuesday 20 September | 12pm - 1.15pm | Webinar The presenters will share some best practices, helpful tools and key insights to ensure that you build and maintain a strong foundation in your career life – and enjoy it. T 09 303 5278 E cpd@adls.org.nz W adls.org.nz/cpd 1.25 HOURSCPD

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