Canadians know that the promise of a recession didn't happen because of anything we did here. If you look at all the causes of the recession problems in mortgage markets the problems in the banking sector the problems in government finance in countries like Greece none of those problems were in present Canada.

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This is what customers pay us for - to sweat all these details so it's easy and pleasant for them to use our computers. We're supposed to be really good at this. That doesn't mean we don't listen to customers but it's hard for them to tell you what they want when they've never seen anything remotely like it.