From:	XXXX
Sent:	December-03-13 5:22 PM
To:	Consumer Code / Code consommateur
Subject:	It is broken

The banking system is broken. The banks are making record profits. They are not required to 
pay interest on deposits but are strongly encouraged to keep loan interest rates high. The 
average Canadian lives paycheck to paycheck and has little incentive to save given that inflation 
would negatively affect the buying power of deposits - assuming he has money to put away it is 
based placed where it makes the best return - higher risks the higher return...enforce a 
minimum deposit interest rate tied to inflation and some might use deposit accounts.