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   Plus: why Canada’s housing market may be ready to implode
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    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
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               October 24, 2022
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               Made in Canada
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           <td align="center" class="in-this-issue" 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-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">
               IN THIS ISSUE
              </td>
             </tr>
             <tr>
              <td class="in-this-issue-list" style="padding:0 0 4px" 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:14px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:16px 0 30px">
                  Estimated read time: 7 mins
                 </td>
                </tr>
                <tr>
                 <td class="in-this-issue-item" style="padding:0 0 7px" 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">
                     Pain in the pantry
                    </td>
                   </tr>
                  </table>
                 </td>
                </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">
                     Crypto in Walmart
                    </td>
                   </tr>
                  </table>
                 </td>
                </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">
                     Weed in Toronto
                    </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="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_102422.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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">
                  Taylor Swift knew
                  <em>
                   all too well
                  </em>
                  that she had the power to break Spotify. Probably. Maybe that’s why she was the highest-paid female musician last year. | Beth Garrabrant, courtesy of @taylorswift13 via Twitter
                 </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>
                   Did it feel like another week of everyone waiting to figure out which way the wind’s blowing? People thinking,
                   <em>
                    Hey, is that a crushing inflation breeze?
                   </em>
                   Or
                   <em>
                    Is that a mistral of we-already-hit-bottom-and-there’s-only-one-way-to-go-from-there I feel?
                   </em>
                   All while mostly sitting on their hands? It felt that way to us. Not a ton to report numbers-wise: TSX up 1%, S&amp;P up 2%, crypto flat-ish. But if you look at single stocks things were more interesting. Earnings season started heating up this week, and so far investors seem willing to reward strong numbers (Netflix +25%) and punish bad ones (Snap -25%). Next week is even bigger — everyone from Apple to Amazon to Microsoft to Google to Shopify will report. One thing to remember: What’s more important to markets than profits and losses are surprises. And lately there have been more than enough of those for everyone.
                  </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 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">
                    Well, that didn’t take long.
                   </span>
                   Liz Truss is out as prime minister of the U.K., possibly with a generous
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    parting gift
                   </a>
                   . Who knew that
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    when politicians fight the markets, the markets tend to win
                   </a>
                   ? Oh, that’s right, the people who are watching as
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    President Erdoğan of Turkey slashes interest rates
                   </a>
                   to stimulate growth and exports, while Turkish stocks tank with every cut, and five-year inflation tops 80%. Now we get to find out if the
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    EU can avoid a Trussian implosion
                   </a>
                   — and see who inherits
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    Larry
                   </a>
                   and the rest of the mess at 10 Downing.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    Inflation hides in the fridge.
                   </span>
                   With prices up everywhere, it can be hard to Truss out — sorry,
                   <em>
                    suss
                   </em>
                   out; wrong crisis — what’s doing the most damage. Surprise! It’s your groceries.
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    September’s consumer price index, which came out last week, showed Canada’s inflation at 6.9%
                   </a>
                   — food costs were up 11.4%, the fastest year-over-year jump since Beyoncé was in diapers. The question (among lots of smart people on finance Twitter) is whether inflation may already be weakening in ways that haven’t shown up yet, which would be good for food prices but not great for central bankers who might start to wonder if they've over-tightened.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    Speaking of grocery prices, Canada is soooo grateful to Galen for that selfless price-freeze!
                   </span>
                   In what was certainly
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    not a PR stunt
                   </a>
                   , Loblaw president Galen Weston Jr. emailed customers to announce that prices for the grocery chain’s No Name house brand would be frozen through January (when, presumably, everyone’s happy to get squeezed again?). A lot of people
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    called BS
                   </a>
                   — especially
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    on Twitter
                   </a>
                   . By total coincidence, the move came just as
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    Ottawa promised to investigate allegations that big grocers are price-gouging
                   </a>
                   .
                  </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">
                    Canada’s housing market has huge cracks in the foundation.
                   </span>
                   We know that Canadian real estate is in trouble, but a story in the Economist this week asks if, of all the major world economies, it’s
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    the most likely to
                   </a>
                   implode. Why? First, they point out that home prices surged 42% in the last three years. To afford those surging prices Canadians took on lots of household debt. We now owe about two dollars for every dollar we’re earning. And the cherry on top? Mortgage rates, which are more than 6% and could
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    continue to climb
                   </a>
                   , are making those houses even more unaffordable. The silver lining is that banks were far more restrained during this cycle, so the chances of Great Recession II are pretty minimal.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    Hodl up. The future of web3 is ... Walmart?
                   </span>
                   The store that launched a thousand Reddit galleries already
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    uses the blockchain to track its freight payments
                   </a>
                   , but last week the CTO said
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    crypto would eventually be accepted both online and in virtual Walmart stores
                   </a>
                   . The move is one more sign that, despite coin prices still dwelling in the toilet, real-world crypto-use cases continue to proliferate. The question for the future could be: which companies will be able to profit from them?
                  </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:133%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 5px;border-bottom:1px solid #32302F" valign="top">
               THE FOMO INDEX
               <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:100">
                by Stacey Woods
               </span>
              </td>
             </tr>
             <tr>
              <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;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 1px" 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="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:26px;line-height:26px;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">
                              Bloomberg Economics puts U.S. recession odds at 100%, because 110% sounds too cruel.
                              <br/>
                              <a 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="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:26px;line-height:26px;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">
                              New report predicts holiday spending in Canada will be down this year. Smashing and grabbing, though? We’re bullish.
                              <br/>
                              <a 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%252F10%252FTLDR-arrow-segment-top-left-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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%252F10%252FTLDR-arrow-segment-top-left-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:1px 0 0;display:none" width="4"/>
                     <!--<![endif]-->
                    </td>
                    <td align="center" class="arrow-bg" style="background-color:#32302F;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%252F10%252FTLDR-arrow-segment-bottom-right-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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%252F10%252FTLDR-arrow-segment-bottom-right-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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="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:26px;line-height:26px;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">
                              Spotify crashes under the weight of people underpaying for Taylor Swift’s new album.
                              <br/>
                              <a 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="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:26px;line-height:26px;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">
                              Alberta regulator says software engineers can’t call themselves engineers. For one thing, where’s the striped cap?
                              <br/>
                              <a 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" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;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%252F10%252FTLDR-arrow-segment-top-left-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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%252F10%252FTLDR-arrow-segment-top-left-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:0 0 0 1px;display:none" width="4"/>
                        <!--<![endif]-->
                       </td>
                      </tr>
                      <tr>
                       <td align="center" class="arrow-bg" height="1" style="background-color:#32302F" 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%252F10%252FTLDR-arrow-segment-bottom-right-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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%252F10%252FTLDR-arrow-segment-bottom-right-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:0 0 0 1px;display:none" width="4"/>
                        <!--<![endif]-->
                       </td>
                      </tr>
                     </table>
                    </td>
                    <td align="center" aria-hidden="true" style="padding:0;color:#32302F;text-align:center" valign="middle" width="38">
                     <img alt="" border="0" height="26" src="https://inboxflows.com/_/image/https%253A%252F%252Fimage.email.wealthsimple.com%252Flib%252Ffe881372726d027876%252Fm%252F10%252FTDLR_Billie_love.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="display:block;margin:0 auto" width="26"/>
                    </td>
                    <td style="padding:0" valign="middle">
                     <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                      <tr>
                       <td align="right" 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%252F10%252FTLDR-arrow-segment-bottom-right-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="display:block;padding:0 1px 0 0" 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%252F10%252FTLDR-arrow-segment-bottom-right-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:0 1px 0 0;display:none" width="4"/>
                        <!--<![endif]-->
                       </td>
                      </tr>
                      <tr>
                       <td align="center" class="arrow-bg" height="1" style="background-color:#32302F" valign="top">
                       </td>
                      </tr>
                      <tr>
                       <td align="right" 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%252F10%252FTLDR-arrow-segment-top-left-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="display:block;padding:0 1px 0 0" 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%252F10%252FTLDR-arrow-segment-top-left-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:0 1px 0 0;display:none" width="4"/>
                        <!--<![endif]-->
                       </td>
                      </tr>
                     </table>
                    </td>
                    <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:center;padding:0" width="75">
                     TO THE
                     <br/>
                     MOON
                    </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 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:26px;line-height:26px;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">
                                 Shh! Nobody tell him he can join for free: Kanye West in talks to buy Parler.
                                 <br/>
                                 <a 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:26px;line-height:26px;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">
                                 Elon sells out of his first fragrance, Burnt Hair. Anything's better than Elon’s Musk.
                                 <br/>
                                 <a 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%252F10%252FTLDR-arrow-segment-bottom-right-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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%252F10%252FTLDR-arrow-segment-bottom-right-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:0 0 1px;display:none" width="4"/>
                     <!--<![endif]-->
                    </td>
                    <td align="center" class="arrow-bg" style="background-color:#32302F;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%252F10%252FTLDR-arrow-segment-top-left-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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%252F10%252FTLDR-arrow-segment-top-left-white.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="padding:0 0 1px;display:none" width="4"/>
                     <!--<![endif]-->
                    </td>
                    <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="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:26px;line-height:26px;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">
                                 Told you this would pay off one day! Oakland restaurant servers dressed like Power Rangers save woman from attack.
                                 <br/>
                                 <a 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="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:26px;line-height:26px;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">
                                 Uber Eats now delivering weed in Toronto and might even come in and hang for a bit if that’s cool.
                                 <br/>
                                 <a 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>
                  </table>
                 </td>
                </tr>
                <tr>
                 <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:500;font-size:18px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:center;padding:10px 0 15px">
                  WHO CARES
                 </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="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 Bank of Canada announces a new rate hike (Wednesday).
                  </span>
                  We can’t even bring ourselves to say “is expected to announce” anymore.
                 </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">
                   Earnings season continues!
                  </span>
                  Time to see if Meta ($META) can
                  <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                   thrive without legs
                  </a>
                  (Wednesday), Shopify ($SHOP) can stop the bleeding (Thursday), and Apple ($AAPL) can break USD $20 billion in profit (Thursday).
                 </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%">
             <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">
               THE BIG IMPORTANT STORY
              </td>
             </tr>
             <tr>
              <td class="in-this-issue-list" style="padding:0" 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:600;font-size:14px;line-height:100%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 0">
                  THE FUTURE
                 </td>
                </tr>
                <tr>
                 <td align="left" class="headline" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:40px;line-height:100%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:8px 0 25px">
                  Q4 market predictions from experts who don’t make market predictions
                 </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:left;padding:0 0 4px">
                  <p>
                   Last week, we published our
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    third-quarter special edition
                   </a>
                   (read it if you haven’t!), in which we tried to make sense of this wild economic moment. Now we’re looking ahead. We asked four pretty smart analysts and thinkers to explain what they’re watching to figure out what’s in store for markets in the coming months.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    Will inflation slow more quickly than expected?
                   </span>
                   <br/>
                   The economy is slowing, and it’s “not because of interest-rate rises, which are barely below par,” explains
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    <strong>
                     Stephen Poloz
                    </strong>
                   </a>
                   , a former Bank of Canada governor. Instead, Poloz suspects rising prices — for gas, for groceries, for everything — have had a cooling effect that’s “at least equal to 100, maybe 200, basis points of interest-rate tightening.” In other words, high prices might be encouraging people to buy less stuff and
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    slowing the economy
                   </a>
                   . “Therefore,” Poloz says, “I think that the interest-rate profile will probably not be as high as the market expects.” And, if true, that could help investors a whole bunch.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    When will interest rates start to hammer the economy?
                   </span>
                   <br/>
                   So central bankers are raising interest rates to curb inflation, right? Well, the trouble, explains
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    <strong>
                     Trevor Tombe
                    </strong>
                   </a>
                   , an economics professor at the University of Calgary, is that it’s hard to predict when rate hikes will really hit. “Estimates are that it takes a year and a half or more before the full effects of rate changes manifest themselves,” he says. The worst could be behind us inflation-wise, Tombe adds, but we won’t really know until sometime in 2023.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    What data are you tracking to see what might happen next?
                   </span>
                   <br/>
                   Instagram’s favourite finance nerd,
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    <strong>
                     Kyla Scanlon
                    </strong>
                   </a>
                   (you’ve seen her
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    videos
                   </a>
                   , right?), is closely following manufacturing data of the sort put out by the
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    Dallas Fed
                   </a>
                   or
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    Statistics Canada
                   </a>
                   . “Jobless claims are sort of noisy,” she explains, given the
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    weird labour market
                   </a>
                   . Manufacturing data, meanwhile, includes insightful info on how many hours people are working (or not, if the economy is slowing) and hints at potential supply-chain issues, both of which could affect inflation’s trajectory.
                  </p>
                  <p>
                   <span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:600">
                    Will we see any big changes to the energy sector?
                   </span>
                   <br/>
                   In the wake of a war-fuelled
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    power crunch
                   </a>
                   , Shell, BP, and other European energy firms are throwing money at offshore projects, confident that energy demand won’t wane soon and that Western European governments won’t stifle their efforts. Still, because of past boom-and-bust cycles, “institutional investors have given up on the oil-and-gas industry,” explains famed stock picker
                   <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                    <strong>
                     Bob Robotti
                    </strong>
                   </a>
                   . He’s curious if that will change drastically over the next few quarters as cash flows improve. That could lead to further investment, which could help to stabilize future energy prices.
                  </p>
                  <p>
                   <em>
                    —Interviews by Brennan Doherty and Jared Sullivan
                   </em>
                  </p>
                 </td>
                </tr>
               </table>
              </td>
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            </table>
           </td>
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                     SHARE TLDR WITH FRIENDS
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                     🤝
                    </td>
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                     Put
                     <a style="color:#fff;text-decoration:underline">
                      this link
                     </a>
                     in your group chats, in your Slack threads, on a tattoo on your back — whatever works for you!
                    </td>
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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%">
             <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">
               LAST WEEK IN FEEDBACK
              </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">
                  <p>
                   21 readers called out the Q3 newsletter’s special format
                   <br/>
                   6 missed the FOMO index
                   <br/>
                   3 loved the haikus
                   <br/>
                   2 wanted us to know they weren’t teenagers
                   <br/>
                   1 just wanted to know about “marihuana” stocks
                   <br/>
                   1 called us “kick ass donkey kong awesome”
                   <br/>
                   1 called us a “bunch of silly pickles :)” — in a loving way, which we appreciated.
                  </p>
                  <p>
                   Keep the notes coming, please. It helps us be better (and reading them is a great way to procrastinate).
                  </p>
                 </td>
                </tr>
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              </td>
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          <tr>
           <td align="center" class="in-this-issue" 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-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>
             <tr>
              <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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                  <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 style="display:block;color:#32302F;text-decoration:none" target="_blank">
                            When $500K Disappeared From a Small Town
                            <br/>
                            <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly">
                             The heist that tore apart a community |
                            </span>
                            <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly;border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F">
                             The Walrus
                            </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: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 style="display:block;color:#32302F;text-decoration:none" target="_blank">
                            The $30 Million Lottery Scam*
                            <br/>
                            <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly">
                             Turns out the lottery is hard to win on purpose |
                            </span>
                            <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly;border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F">
                             The Atlantic
                            </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:22px;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 style="display:block;color:#32302F;text-decoration:none" target="_blank">
                            Doubts Downstream
                            <br/>
                            <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly">
                             After asbestos poisoning, a new mine is a hard sell |
                            </span>
                            <span style="font-size:12px;line-height:112%;mso-line-height-rule:exactly;border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F">
                             CBC
                            </span>
                           </a>
                          </td>
                         </tr>
                        </table>
                       </td>
                      </tr>
                     </table>
                    </td>
                   </tr>
                  </table>
                 </td>
                </tr>
                <tr>
                 <td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif;font-weight:400;font-size:10px;line-height:112%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:16px 0 15px">
                  *Article is paywalled, which, yeah, is kind of annoying. But we think good journalism is worth paying for.
                 </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="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>
             </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:30px 0 12px">
               All hail our benevolent, bread-selling, sweater-wearing overlord…
              </td>
             </tr>
             <tr>
              <td class="in-this-issue-list" style="padding:0 0 15px" valign="top">
               <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                 <td style="padding:0;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" valign="top">
                  <a 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_102122.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="display:block" width="540"/>
                  </a>
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            </table>
           </td>
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          <tr>
           <td align="center" class="in-this-issue" style="padding:0" valign="top">
            <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="90%">
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               THOUGHTS ON TODAY’S ISSUE?
              </td>
             </tr>
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              <td style="padding:30px 0 0" valign="top">
               <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                <tr>
                 <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 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" 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 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZpbWFnZS5lbWFpbCJ9:1omvhX:oUnmUU3B_5CDCcR1gWYteC2pbqDvCmpv_bkeMKMdQAs" style="display:inline-block" width="36"/>
                      <br/>
                      So so
                     </a>
                    </td>
                   </tr>
                  </table>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
          <tr>
           <td align="center" class="contributors" 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: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">
              </td>
             </tr>
             <tr>
              <td align="left" style="font-family:FuturaPT-Book,Roboto,Helvetica,Arial,sans-serif;font-size:10px;line-height:120%;mso-line-height-rule:exactly;color:#32302F;text-align:left;padding:30px 0 0">
               This week’s newsletter contributors: Brennan Doherty (writer), Devin Gordon (writer), Stacey Woods (writer), Sarah Rieger (news writer), Ambrose Martos (fact checker), Ciara Rickard (copy editor), Sara Black McCulloch (fact checker), Jared Sullivan (senior editor), Peter Martin (senior editor), Kat Angus (managing editor), and Devin Friedman (editor-in-chief).
               <br/>
               <br/>
               <em>
                Clarification: In our special quarterly edition last week, we reported that Bloomberg’s benchmark Treasury index shed 4.3% in Q3. Which is true. But we weren’t clear that those returns were for U.S. bonds, not
                <a style="border-bottom:1px solid #5C8145;text-decoration:none;color:#32302F" target="_blank">
                 Canadian Treasury bills
                </a>
                , which finished the quarter flat. The point stands that it hasn’t been a great year for bonds.
               </em>
               <br/>
               <br/>
               Full disclosure: contributors to this newsletter own stock in Apple.
              </td>
             </tr>
            </table>
           </td>
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                  </a>
                  <!--[if !mso]><! -->
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