GENERAL DISCLAIMER: Most activities involve some element of risk. Whilst U3A Bass Valley, U3ABV, maintains limited public liability insurance through VMIA, Victorian Managed Insurance Authority, www.vmia.vic.gov.au, as part of your enrolment fee, U3ABV will endeavour to protect your safety. However, U3ABV cannot remove all the dangers. U3ABV assumes that participants, by enrolment, considers themselves to have appropriate levels of fitness, mobility and competence. Those undertaking activities should therefore demonstrate due care and be aware that they participate at their own risk.