Town Bank organised an investment seminar for members of the public. The seminar was attended by more than 150 people. There were two speakers. The first was John, the Private Banking Manager of Town Bank. In his presentation he provided the attendees with a general description of the various financial products available for investment purposes. The other speaker was Lily, who made a fortune investing in shares and property and is also the author of a bestselling book on investments. In her presentation she told the attendees that during periods of stock market volatility, property trusts were better than shares as they provided more consistent returns. Which speaker's presentation is likely to constitute financial product advice, and if it constituted financial product advice, would it be classified as general or personal financial product advice under Chapter 7 of the Corporations Act 2001 (Cth)? Give reasons for your answers.