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   Plus: good news about your mortgage! (Kidding.)
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    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
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                December 12, 2022
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                Made in Canada
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                IN THIS ISSUE
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                   Estimated read time: 6 min
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                      🥡
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                      DoorDash drama
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                      🏠
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                      Mortgage madness
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                 </tr>
                 <tr>
                  <td class="in-this-issue-item" style="padding:7px 0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td aria-hidden="true" class="goomoji" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:26px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:0" valign="top" width="42">
                      🪙
                     </td>
                     <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:21px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:0">
                      Greedy Goldman
                     </td>
                    </tr>
                   </table>
                  </td>
                 </tr>
                </table>
               </td>
              </tr>
             </table>
            </td>
           </tr>
           <tr>
            <td align="center" class="whats-up-this-week" style="padding:0 0 30px" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
              <tr>
               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
                WHAT HAPPENED LAST WEEK
               </td>
              </tr>
              <tr>
               <td class="in-this-issue-list" style="padding:30px 0 0" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                 <tr>
                  <td style="padding:0" valign="top">
                   <img alt="" border="0" class="responsive" height="360" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F11%252FTLDR_Art_540x360_121222.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:block;border-radius:15px" width="540"/>
                  </td>
                 </tr>
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 25px">
                   Ah, the ’80s. A time of unsettling, pudgy-faced Cabbage Patch dolls and even more unsettling mortgage rates. Guess what — one of those things has made a comeback! | Getty Images
                  </td>
                 </tr>
                 <tr>
                  <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:22px;line-height:150%;mso-line-height-rule:exactly;color:#5C8145;text-align:left;padding:0 0">
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    THE WEEK IN MARKETS
                   </span>
                  </td>
                 </tr>
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 0">
                   <p>
                    The most interesting number this week, to us, was US$71. That’s the price of a barrel of oil now, back down to where it was in January. That’s before the Ukraine war, close to the level it’s been for the previous five years. If you’d told us in May this would happen we’d have said you were not very smart. (Sorry!) That amounts to huge deflationary pressure. Enough to stabilize markets in recent weeks, although not quite enough to offset a bout of pessimism over the last five days.
                   </p>
                   <ul>
                    <li>
                     TSX, S&amp;P, and Nasdaq dropped about 3% for the week.
                    </li>
                    <li>
                     Nasdaq is down about 30% for the year and the S&amp;P is down 20%. Both are close to 2022 lows.
                    </li>
                   </ul>
                   <p>
                    Cheaper oil is the main reason we're likely to see the Fed back off from a jumbo to a slightly less jumbo rate hike this week. And it’s a reason investors may be optimistic going into 2023. As always, though, we'll have to see how the dominos fall!
                   </p>
                  </td>
                 </tr>
                </table>
               </td>
              </tr>
             </table>
            </td>
           </tr>
           <tr>
            <td class="today-one-number" style="background-color:#32302F;border-radius:12px;padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tr>
               <td align="center" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
                 <tr>
                  <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:130%;mso-line-height-rule:exactly;color:#fff;text-align:left;padding:30px 0 5px;border-bottom:1px solid #fff" valign="top">
                   THE WEEK IN ONE NUMBER
                  </td>
                 </tr>
                 <tr>
                  <td style="padding:16px 0 0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td align="left" class="color-accent one-number-small" style="font-family:Futura-CondensedExtraBold,'Roboto Condensed',Arial Condensed,sans-serif;font-weight:900;font-size:90px;letter-spacing:-.04em;line-height:100%;mso-line-height-rule:exactly;color:#D7EC84;text-align:left;padding:30px 0 16px">
                      29%
                     </td>
                    </tr>
                    <tr>
                     <td align="left" class="body-copy" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#fff;text-align:left;padding:9px 0 30px">
                      That’s
                      <a mc-deep-link="false" style="border-bottom:1px solid #fff;text-decoration:none;color:#fff" target="_blank">
                       how much commission
                      </a>
                      DoorDash Canada is now charging some restaurants for delivery, despite restaurants having an average profit margin of 3.8%.
                     </td>
                    </tr>
                   </table>
                  </td>
                 </tr>
                </table>
               </td>
              </tr>
             </table>
            </td>
           </tr>
           <tr>
            <td align="center" class="whats-up-this-week" style="padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
              <tr>
               <td class="in-this-issue-list" style="padding:35px 0 0" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                 <tr>
                  <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:22px;line-height:150%;mso-line-height-rule:exactly;color:#5C8145;text-align:left;padding:0 0">
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    IMPORTANT
                   </span>
                  </td>
                 </tr>
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 0">
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     Currently in the lead for having the biggest cumulative rate hike of the year: Canada!
                    </span>
                    Tiff
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     raised rates
                    </a>
                    by 0.5% Wednesday — 0.25% higher than expected, bringing our grand total for 2022 to 4.25%. The reign will likely be short, though, with the Fed meeting this week.
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     Our trophy? Even suckier mortgage rates.
                    </span>
                    National Bank of Canada reported that mortgages now eat up
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     67.3% of the average borrower’s income
                    </a>
                    , the highest portion since the Rubik’s Cube- and Cabbage Patch-loving days of the early ’80s.
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     A black eye for Blackstone.
                    </span>
                    The U.S. investment giant watched its stock drop nearly 10% (down about 40% for the year) after news broke that it
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     blocked shareholders
                    </a>
                    from pulling out of its $92-billion real estate investment fund, BREIT. Why? Um, they didn’t really have the money. When times were good, real estate’s relative illiquidity didn’t matter: there was always enough coming in to cover people who wanted to sell shares. But then all those rate hikes happened, and owning real estate got a lot more expensive, and suddenly a lot more people want out than in — especially at the inflated values Blackstone says its shares are still worth. This is not an FTX-level implosion, but it does show how intense the ripples of rate hikes can be — and how tough the next couple of years may get for investors.
                   </p>
                  </td>
                 </tr>
                 <tr>
                  <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:22px;line-height:150%;mso-line-height-rule:exactly;color:#5C8145;text-align:left;padding:0">
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    INTERESTING
                   </span>
                  </td>
                 </tr>
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 4px">
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     No drama Dollarama.
                    </span>
                    Boosted by
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     nearly everyone’s
                    </a>
                    desire to save money amid all this inflation, the Montreal-based discount store reported
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     another strong quarter
                    </a>
                    , with $1.29 billion of very, very small sales. Business is so good, the chain plans to basically double its number of stores across the country in the next eight years.
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     Speaking of deals, Goldman Sachs
                     <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                      announced plans
                     </a>
                     to hit the crypto bargain bin.
                    </span>
                    In their eyes, SBF’s FUBAR with FTX didn't expose fundamental issues with crypto so much as its need to be dominated by big traditional financial institutions that answer to government regulators. You know, like Goldman Sachs.
                   </p>
                  </td>
                 </tr>
                </table>
               </td>
              </tr>
             </table>
            </td>
           </tr>
           <tr>
            <td align="center" class="fomo-index" style="padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
              <tr>
               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-size:18px;line-height:130%;mso-line-height-rule:exactly;color:#32302f;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302f" valign="top">
                THE FOMO INDEX
               </td>
              </tr>
              <tr>
               <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#5c8145;text-align:center;padding:30px 0 10px">
                IMPORTANT
               </td>
              </tr>
              <tr>
               <td class="fomo-index-chart" style="padding:0" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                 <tr>
                  <td style="padding:0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td style="padding:0 0 16px" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" class="fomo-item" role="presentation" valign="top" width="256">
                       <tr>
                        <td style="padding:16px 0 0" valign="top">
                         <table align="right" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                          <tr>
                           <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                            <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                             <tr>
                              <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                               👾
                              </td>
                             </tr>
                             <tr>
                              <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                               U.K. making plans to become a hub for crypto. (They don’t get out much.)
                               <br/>
                               <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                Source
                               </a>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                       <tr>
                        <td style="padding:16px 0 0" valign="top">
                         <table align="left" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                          <tr>
                           <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                            <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                             <tr>
                              <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                               🥳
                              </td>
                             </tr>
                             <tr>
                              <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                               Virtually empty: The EU threw a big, pricey metaverse party, and six people came.
                               <br/>
                               <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                Source
                               </a>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                      </table>
                     </td>
                     <td align="right" valign="top" width="18">
                      <img alt="" border="0" class="light-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-left.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:1px 0 0;display:block" width="4"/>
                      <!--[if !mso]><! -->
                      <img alt="" border="0" class="dark-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-left-light.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:1px 0 0;display:none" width="4"/>
                      <!--<![endif]-->
                     </td>
                     <td align="center" class="arrow-bg" style="background-color:#5c8145;line-height:1px;font-size:4px" valign="top" width="1">
                     </td>
                     <td align="left" valign="top" width="18">
                      <img alt="" border="0" class="light-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-bottom-right.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:1px 0 0;display:block" width="4"/>
                      <!--[if !mso]><! -->
                      <img alt="" border="0" class="dark-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-right-light.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:1px 0 0;display:none" width="4"/>
                      <!--<![endif]-->
                     </td>
                     <td style="padding:0 0 16px" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" class="fomo-item" role="presentation" valign="top" width="256">
                       <tr>
                        <td style="padding:16px 0 0" valign="top">
                         <table align="right" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                          <tr>
                           <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                            <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                             <tr>
                              <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                               🍼
                              </td>
                             </tr>
                             <tr>
                              <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                               Subsidized daycare means more women than ever in the workforce   wishing they were on vacation.
                               <br/>
                               <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                Source
                               </a>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                       <tr>
                        <td style="padding:16px 0 0" valign="top">
                         <table align="left" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                          <tr>
                           <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                            <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                             <tr>
                              <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                               🍁
                              </td>
                             </tr>
                             <tr>
                              <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                               Royal Canadian Mint issues new Queen Elizabeth black-banded toonie, sure to turn all the other coins goth.
                               <br/>
                               <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                Source
                               </a>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                      </table>
                     </td>
                    </tr>
                   </table>
                  </td>
                 </tr>
                 <tr>
                  <td style="padding:0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#5c8145;text-align:center;padding:0" width="75">
                      CRASH
                      <br/>
                      &amp; BURN
                     </td>
                     <td style="padding:0" valign="middle">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                       <tr>
                        <td align="left" valign="bottom">
                         <img alt="" border="0" class="light-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-left.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:block;padding:0 0 0 1px" width="4"/>
                         <!--[if !mso]><! -->
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                         <!--<![endif]-->
                        </td>
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                       <tr>
                        <td align="center" height="1" style="background-color:#5c8145" valign="top">
                        </td>
                       </tr>
                       <tr>
                        <td align="left" valign="top">
                         <img alt="" border="0" class="light-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-bottom-right.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:block;padding:0 0 0 1px" width="4"/>
                         <!--[if !mso]><! -->
                         <img alt="" border="0" class="dark-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-right-light.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:0 0 0 1px;display:none" width="4"/>
                         <!--<![endif]-->
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                      <img alt="" border="0" height="20" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F10%252FTLDR_FOMO_LOGO_2.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:block;margin:0 auto" width="20"/>
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                         <!--[if !mso]><! -->
                         <img alt="" border="0" class="dark-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-right-light.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:0 1px 0 0;display:none" width="4"/>
                         <!--<![endif]-->
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                         <!--<![endif]-->
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                     <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#5c8145;text-align:center;padding:0" width="75">
                      TO THE
                      <br/>
                      MOON
                     </td>
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                   </table>
                  </td>
                 </tr>
                 <tr>
                  <td style="padding:0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td style="padding:0" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation">
                       <tr>
                        <td style="padding:0 0 16px" valign="top">
                         <table border="0" cellpadding="0" cellspacing="0" class="fomo-item" role="presentation" valign="top" width="256">
                          <tr>
                           <td style="padding:16px 0 0" valign="top">
                            <table align="right" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                             <tr>
                              <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                               <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                                <tr>
                                 <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                                  🐓
                                 </td>
                                </tr>
                                <tr>
                                 <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                                  Tim Ferriss launches an NFT project about roosters that will make people long for more
                                  <em>
                                   4-Hour
                                  </em>
                                  books.
                                  <br/>
                                  <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                   Source
                                  </a>
                                 </td>
                                </tr>
                               </table>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                          <tr>
                           <td style="padding:16px 0 0" valign="top">
                            <table align="left" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                             <tr>
                              <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                               <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                                <tr>
                                 <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                                  💸
                                 </td>
                                </tr>
                                <tr>
                                 <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                                  Audit finds  ineligible Canadians took about $4.6 billion from the COVID subsidy honour bar and didn’t even leave IOUs.
                                  <br/>
                                  <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                   Source
                                  </a>
                                 </td>
                                </tr>
                               </table>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                      </table>
                     </td>
                     <td align="right" valign="bottom" width="18">
                      <img alt="" border="0" class="light-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-bottom-right.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:0 0 1px;display:block" width="4"/>
                      <!--[if !mso]><! -->
                      <img alt="" border="0" class="dark-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-right-light.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:0 0 1px;display:none" width="4"/>
                      <!--<![endif]-->
                     </td>
                     <td align="center" class="arrow-bg" style="background-color:#5c8145;line-height:1px;font-size:4px" valign="top" width="1">
                     </td>
                     <td align="left" valign="bottom" width="18">
                      <img alt="" border="0" class="light-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-left.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:0 0 1px;display:block" width="4"/>
                      <!--[if !mso]><! -->
                      <img alt="" border="0" class="dark-img" height="4" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F8%252FTLDR-arrow-segment-top-left-light.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="padding:0 0 1px;display:none" width="4"/>
                      <!--<![endif]-->
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                      <table border="0" cellpadding="0" cellspacing="0" role="presentation">
                       <tr>
                        <td style="padding:0 0 16px" valign="top">
                         <table border="0" cellpadding="0" cellspacing="0" class="fomo-item" role="presentation" valign="top" width="256">
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                           <td style="padding:16px 0 0" valign="top">
                            <table align="right" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                             <tr>
                              <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                               <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                                <tr>
                                 <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                                  ⌚️
                                 </td>
                                </tr>
                                <tr>
                                 <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                                  Pandemic luxury-watch boom seems to end as people run out of money and lose interest in time.
                                  <br/>
                                  <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                   Source
                                  </a>
                                 </td>
                                </tr>
                               </table>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
                          <tr>
                           <td style="padding:16px 0 0" valign="top">
                            <table align="left" border="0" cellpadding="0" cellspacing="0" class="tldr-tile" role="presentation" width="66%">
                             <tr>
                              <td class="fomo-item-bg" style="padding:15px 10px;background-color:#fff;border-radius:12px" valign="top">
                               <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                                <tr>
                                 <td align="center" aria-hidden="true" class="goomoji" style="padding:0;font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:36px;line-height:36px;mso-line-height-alt:100%;mso-line-height-rule:exactly;color:#32302f;text-align:center" valign="top">
                                  🎧
                                 </td>
                                </tr>
                                <tr>
                                 <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:120%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:4px 0 0">
                                  Dyson’s $1,300-ish air-purifier/headphone combo will be great for anyone not ready for a full hazmat suit.
                                  <br/>
                                  <a mc-deep-link="false" style="color:#32302f;text-decoration:underline;font-size:10px" target="_blank">
                                   Source
                                  </a>
                                 </td>
                                </tr>
                               </table>
                              </td>
                             </tr>
                            </table>
                           </td>
                          </tr>
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                   WHO CARES
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            <td align="center" class="whats-up-this-week" style="padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
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               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
                FROM OUR SPONSOR
               </td>
              </tr>
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               <td align="center" style="padding:30px 0" valign="top">
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                  <td align="center" class="referral" style="background-color:#fff;border-radius:12px;padding:0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
                    <tr>
                     <td style="padding:30px 0" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                       <tr>
                        <td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-size:22px;line-height:150%;mso-line-height-rule:exactly;color:#5C8145;text-align:center;letter-spacing:.05em;padding:0">
                         Auto-Investments are Foolproof
                        </td>
                       </tr>
                       <tr>
                        <td aria-hidden="true" class="goomoji" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:26px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:center;padding:4px 0 0" valign="top">
                         💰
                        </td>
                       </tr>
                       <tr>
                        <td align="left" class="body-copy" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:center;padding:9px 0 0">
                         We know, because we write about it all the time: trying to time the market doesn’t work. The good news is that the smartest way to invest is also the easiest: automate it. Turn on auto-investing in your Wealthsimple app and take the guesswork (and dumb decisions) out of the equation.
                         <br/>
                         <br/>
                         <a mc-deep-link="false" style="color:#32302F;text-decoration:underline">
                          Set up auto-deposits
                         </a>
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           <tr>
            <td align="center" class="whats-up-this-week" style="padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
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               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
                WHAT’S UP THIS WEEK
               </td>
              </tr>
              <tr>
               <td class="this-week-list" style="padding:30px 0 3px" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 12px">
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    The U.S. releases its last inflation report of the year (Tuesday).
                   </span>
                   Just in time for the Fed’s last rate hike of the year (Wednesday).
                  </td>
                 </tr>
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 12px">
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    U.S. lawmakers hold a hearing on FTX’s collapse (Tuesday).
                   </span>
                   Could this be the
                   <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    first interview request
                   </a>
                   that SBF turns down?
                  </td>
                 </tr>
                 <tr>
                  <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:9px 0 12px">
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    <em>
                     Avatar 2
                    </em>
                    premieres (Friday).
                   </span>
                   And just when we stopped feeling weird about how they
                   <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    plug their ponytails in
                   </a>
                   to ride horses.
                  </td>
                 </tr>
                </table>
               </td>
              </tr>
             </table>
            </td>
           </tr>
           <tr>
            <td align="center" class="big-important-story" style="padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
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               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
                THE BIG IMPORTANT STORY
               </td>
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               <td class="in-this-issue-list" style="padding:0" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                   TECHNOLOGY
                  </td>
                 </tr>
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                   Battery Industry Is Booming, and Canada Stands to Benefit
                  </td>
                 </tr>
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                  <td align="left" class="body-copy" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:0 0 4px">
                   <p>
                    Batteries have made big headlines recently: Tesla delivered its first
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     electric semi
                    </a>
                    ;
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     Ford
                    </a>
                    broke ground on a huge battery-production site in Kentucky; and
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     Volkswagen
                    </a>
                    inked a deal to build a battery cell factory in Canada. The Canadian battery industry attracted an unprecedented
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     $15 billion in investments
                    </a>
                    in 2022. Because, in case you haven’t noticed, batteries have become
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     A Really Big Deal
                    </a>
                    , powering everything from phones to bikes to computers to cars. Wherever there’s technology (so, uh, everywhere), smaller and more powerful batteries are making it better. And Canada, with its vast mineral deposits, stands to become a major player in the industry — it could even
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     challenge China’s battery dominance
                    </a>
                    (hence all that investment). TLDR’s Sarah Rieger spoke with economist Noah Smith (author of an excellent
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     newsletter
                    </a>
                    about everything from interest rates to rabbits) about how batteries could become a dominant force in our future — a topic he’s
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     written about
                    </a>
                    extensively.
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     Why are batteries crucial to the renewable-energy transition?
                    </span>
                    <br/>
                    Batteries let you move energy through space (portability) and through time (storage). Oil was, and is, so important because it’s a way of storing and transporting energy, whereas you can’t easily do that with nuclear, hydro, solar, or wind unless you have batteries.
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     You’ve called this the “
                     <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                      Decade of the Battery
                     </a>
                     .” Why are you so bullish?
                    </span>
                    <br/>
                    Technologies often exist long before they find wide use. It was only when computer chips, for instance, reached a sufficient level of cost and performance that people started putting them in everything. And we’re getting there with batteries. [The price of lithium-ion batteries fell by
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     97%
                    </a>
                    between 1991 and 2018.] Large batteries will be able to power cars, of course, but also homes, shops, and restaurants. And, as batteries get cheaper, we’ll start seeing little appliances or robots doing everything — maintaining solar panels, mending infrastructure, waiting tables. Which is already a thing at some
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     hot-pot places
                    </a>
                    . [Smith also recently
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     wrote about
                    </a>
                    a company called
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     Impulse
                    </a>
                    , which makes battery-powered appliances, like stoves.]
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     What’s an obstacle in wider battery adoption?
                    </span>
                    <br/>
                    Mining. You need either cobalt, nickel, copper, or lithium to make a battery, and there’s a supply bottleneck — people aren’t investing in mines and processing facilities fast enough. The other thing is that nearly all these minerals are currently processed in China. But what if China wakes up in a poopy mood? Guess what happens to your battery-dependent economy …
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     Why is China so far ahead?
                    </span>
                    <br/>
                    Manufacturing batteries has historically been low margin, so, when battery production
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     started taking off
                    </a>
                    a decade ago, North American companies weren’t interested. Plus, at the time, nobody worried that the world might divide into Axis and Allies again, or that they would need domestic production capabilities, so battery production was offshored. Now we’re trying to reverse that.
                   </p>
                   <p>
                    <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                     What can North America do to catch up?
                    </span>
                    <br/>
                    Increase demand for electric vehicles. We’re doing that, but the transition needs to happen rapidly. Obviously, the oil industry isn’t going to disappear — we still need plastics and fertilizer and ship fuel — but we’ve got to go hell-bent on EVs to drive battery demand. One good thing is that batteries are heavy, so it’s not terribly economical to ship big ones from China. But we have to increase demand first with policy.
                   </p>
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                      SHARE TLDR WITH FRIENDS
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                      🤝
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                      Put
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                       this link
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                      in your group chats, in your Slack threads, on a tattoo on your back — whatever works for you!
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                CHALLENGE!
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                   <p>
                    Next week, we’re publishing a special edition of TLDR. And, for this special edition, we have a special request: tell us the most interesting, helpful, or surprising thing you learned about money this year.
                   </p>
                   <p>
                    Like: If your portfolio takes a 50% loss, you’ll need a
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     100% gain to recover
                    </a>
                    😿. Or: The Bahamas are a really great place to “hide” from American authorities.
                   </p>
                   <p>
                    <a mc-deep-link="false" style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                     Click here
                    </a>
                    to submit yours. If they’re as good as we think they’ll be, we’ll publish the best ones in an upcoming newsletter.
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               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
                OTHER VERY GOOD READS
               </td>
              </tr>
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               <td class="non-ssential-list" style="padding:15px 0 25px" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                     <td class="nonessential-item" style="padding:15px 0;background-color:#fff;border-radius:12px;display:block" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                       <tr>
                        <td aria-hidden="true" class="goomoji good-reads-icon" style="padding:0;font-size:26px;line-height:26px;text-align:center" valign="middle" width="73">
                         🛍️
                        </td>
                        <td style="padding:0 30px 0 0" valign="top">
                         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                          <tr>
                           <td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:22px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:0">
                            <a mc-deep-link="false" style="display:block;color:#32302F;text-decoration:none" target="_blank">
                             The Rise and Fall of a Retail Legend*
                             <br/>
                             <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly">
                              They built an empire off dry cleaning. Others paid the price |
                             </span>
                             <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly;text-decoration:underline">
                              Toronto Star
                             </span>
                            </a>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                      </table>
                     </td>
                    </tr>
                   </table>
                  </td>
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                  <td style="padding:15px 0 0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td class="nonessential-item" style="padding:15px 0;background-color:#fff;border-radius:12px;display:block" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                       <tr>
                        <td aria-hidden="true" class="goomoji good-reads-icon" style="padding:0;font-size:26px;line-height:26px;text-align:center" valign="middle" width="73">
                         🛻
                        </td>
                        <td style="padding:0 30px 0 0" valign="top">
                         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                          <tr>
                           <td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:22px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:0">
                            <a mc-deep-link="false" style="display:block;color:#32302F;text-decoration:none" target="_blank">
                             In Her Defence
                             <br/>
                             <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly">
                              Helen Naslund killed her husband. Now, she tells her story |
                             </span>
                             <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly;text-decoration:underline">
                              Globe and Mail
                             </span>
                            </a>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                      </table>
                     </td>
                    </tr>
                   </table>
                  </td>
                 </tr>
                 <tr>
                  <td style="padding:15px 0 0" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td class="nonessential-item" style="padding:15px 0;background-color:#fff;border-radius:12px;display:block" valign="top">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                       <tr>
                        <td aria-hidden="true" class="goomoji good-reads-icon" style="padding:0;font-size:26px;line-height:2px;text-align:center" valign="middle" width="73">
                         🎵
                        </td>
                        <td style="padding:0 30px 0 0" valign="top">
                         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                          <tr>
                           <td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:22px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:0">
                            <a mc-deep-link="false" style="display:block;color:#32302F;text-decoration:none" target="_blank">
                             So You Want to Be a TikTok Star
                             <br/>
                             <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly">
                              Is the app’s domination a good thing? |
                             </span>
                             <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly;text-decoration:underline">
                              The New Yorker
                             </span>
                            </a>
                           </td>
                          </tr>
                         </table>
                        </td>
                       </tr>
                      </table>
                     </td>
                    </tr>
                   </table>
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                   *Article is paywalled, which, yeah, is kind of annoying. But we think good journalism is worth paying for.
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            <td align="center" class="whats-up-this-week" style="padding:0" valign="top">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
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               <td class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600;font-weight:700;font-size:18px;line-height:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
                THE WISDOM OF TWITTER
               </td>
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               <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:16px;line-height:150%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 12px">
                Hey, if Copenhagen can do bike lanes with that weather, maybe Grande Prairie can too.
               </td>
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                   <a mc-deep-link="false" style="color:#32302F" target="_blank">
                    <img alt="" border="0" class="responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F11%252FTWEET_121222.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:block" width="540"/>
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                THOUGHTS ON TODAY’S ISSUE?
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               <td style="padding:30px 0 0" valign="top">
                <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                  <td class="survey-option" style="background-color:#fff;border-radius:12px;display:block" valign="top">
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                    <tr>
                     <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:150%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:20px 0">
                      <a mc-deep-link="false" style="display:block;color:#32302f;text-decoration:none" target="_blank">
                       <img alt="" border="0" height="36" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F10%252FTDLR_Billie_love.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:inline-block" width="36"/>
                       <br/>
                       Love it
                      </a>
                     </td>
                    </tr>
                   </table>
                  </td>
                  <td valign="top" width="16">
                  </td>
                  <td class="survey-option" style="background-color:#fff;border-radius:12px;display:block" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:150%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:20px 0">
                      <a mc-deep-link="false" style="display:block;color:#32302f;text-decoration:none" target="_blank">
                       <img alt="" border="0" height="36" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F10%252FTLDR_Billie_000%252B1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:inline-block" width="36"/>
                       <br/>
                       Good
                      </a>
                     </td>
                    </tr>
                   </table>
                  </td>
                  <td valign="top" width="16">
                  </td>
                  <td class="survey-option" style="background-color:#fff;border-radius:12px;display:block" valign="top">
                   <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                    <tr>
                     <td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:14px;line-height:150%;mso-line-height-rule:exactly;color:#32302f;text-align:center;padding:20px 0">
                      <a mc-deep-link="false" style="display:block;color:#32302f;text-decoration:none" target="_blank">
                       <img alt="" border="0" height="36" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F10%252FTLDR_Billie_Frown%252B1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1p4i4X:hLeBUo1kgxP8S_qTl_1IjU_YQtz74TLub5OTz78Qa_s" style="display:inline-block" width="36"/>
                       <br/>
                       So so
                      </a>
                     </td>
                    </tr>
                   </table>
                  </td>
                 </tr>
                </table>
               </td>
              </tr>
             </table>
            </td>
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