Well, here's another point. I can go to the BNS and CU websites and view the current rates of financial instruments but not so for CIBC. I dunno about the other guys, but I can track day to day what those banks can do for me. If I wanna know what CIBC can do for me I gotta leave a message and they will get back to me when they feel like it.

And one more thing. I noticed all Mum's instruments come due (mature) at year end or on another odd date (end of Canada's fiscal year) and not in the fall??? All of mine are in late October and I took slight losses years ago to make that happen. Why did her financial advisor not advise her that her maturity dates do not coincide with the best time to negotiate renewal? She is sittin and shittin on less than half the rates I have... but who knows what I will get just before the Canada Savings Bonds are issued in November???

Sigh. The fuckers got ya comin and goin and they only care about the rich gettin richer. Them cruise missiles are expensive!