Shopify is Canada’s digital sweetheart and – like Nortel in the past – has the ability to pull an entire index forward. The Toronto market has a big PM component. US mortgage rates hit 6.8% today – or precisely double what you can get a home loan here for. The Canadian economy is set to grow at a little over 3%, or half as much again as the mighty US. I am grateful for the education you have provided to me and for the management of my retirement moolah.”