Perspectives

In partnership with the Scotiabank Women Initiative, business journalist Amber Kanwar, host of the In the Money with Amber Kanwar podcast, is our guest to talk about women’s relationship with money, how motherhood affects that, her personal journey from TV host to being her own boss and what she’s learned about investing and finance along the way.  There is a lot to consider when planning for your future. Discover Scotia Wealth Management’s Total Wealth Planning process and how it can benefit you. Learn more at https://www.scotiawealthmanagement.com/ca/en/about-us.html    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  2:01 – Amber walks us through the decision to focus as a reporter on money and business journalism  3:16 – What it was like learning the ropes in a largely male-dominated industry  5:56 – How women tend to approach investing differently and why  11:00 – The generational difference on how women approach money  13:49 – Amber's biggest tip for women who are interested in starting to invest  15:28 – What Amber's learned from the latest chapter in her career: leaving TV and starting her own podcast

Sustainability has long been part of agriculture, by necessity and design, but what does it mean for today's modern growers? For Dr. Sally Flis, the Director of Sustainable Ag Programs at Nutrien Ag Solutions, sustainable practices can help producers be more resilient in the face of global economic uncertainty. Sally is our guest along with Janice Holzscherer, the Managing Director and Head of Agricultural Banking at Scotiabank. They’ll explore what sustainability means when it comes to agriculture, how it plays an important role in the story that modern farmers and growers tell the public and more.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:13 – Sally tells us about Nutrien Ag Solutions  3:06 – Some context around Scotiabank’s partnership with Nutrien  5:22 – What Sally mean by “cutting through the noise of sustainability” in agriculture  9:46 – How has the notion of sustainability evolved over the last few decades?  12:19 – What about the consumer side? Is there added pressure on growers and producers to adopt more sustainable practices?   14:13 – What is the story growers want to tell the public when it comes to sustainability?   16:37 – Final thoughts on the state of sustainability and where it’s heading in agriculture

From the impact of the pandemic to AI, security to quantum computing, this episode two industry veterans will walk us through the state of technology in banking. Inci Akpinar, Senior Vice President & Chief Information Officer for Canadian Banking Engineering at Scotiabank, and Sebastian Blandizzi, the Senior Vice President & Chief Information Officer for Data & Global Wealth Technology at Scotiabank, explore how far the field has come, where it might be going and what challenges and opportunities lie ahead.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  2:17 – Inci and Sebastian look back on technology in banking when they started their careers vs where it is now  7:27 – What pressures does a bank face when it comes to the evolution of technology?  10:50 – What are the next big challenges and opportunities on the horizon?  12:53 – What keeps Sebastian up at night and why that’s recently changed  16:47 – How AI has changed how Inci and Sebastian look at their work and what clients expect  22:50 – What is banking technology going to look like in the next ten years?

Just over a decade ago, the Truth and Reconciliation Commission (TRC) released its Final Report into Canada’s Residential School System, including its 94 Calls to Action and 10 Principles of Reconciliation. This episode we’ll hear about the legacy of the TRC 10 years later with one of the three commissioners, Marie Wilson. She’ll tell Myan Marcen-Gaudaur, Scotiabank’s Director of Indigenous Relations and Reconciliation, about her time as a commissioner, the state of reconciliation over the past 10 years, the progress on the 94 Calls to Action and more.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  3:05 – Marie describes the work she did with the TRC and explains why 10 years later many might be unaware  10:09 – The importance of starting with the ‘why’ when it comes to reconciliation  13:57 – What did Marie see as the potential for her work 10 years ago?  18:17 – How much progress has Marie seen in the last 10 years?  27:48 – Where the title of Marie’s book, North of Nowhere: Song of a Truth and Reconciliation Commissioner came from  29:55 – Where the inspiration for writing a book came from  32:27 – What role Marie sees her book playing in Canada’s collective commitment to reconciliation   38:47 – What advice Marie would give to Scotiabank as they continue on the path of reconciliation

In this episode, we have two experts to break down the latest scams and tell us how to avoid falling victim. From bank impersonation scams to AI and even old-fashioned door-to-door grifts, Detective Constable Valerie Dahan from Toronto Police Service and Aaron McAllister, Vice President of Fraud Threat Management at Scotiabank, run down the red flags and what to do if you suspect you, a loved one or a neighbour might be a victim. For more fraud prevention resources, check out Scotiabank’s Cybersecurity and Fraud Hub.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  2:02 – Val tells us about her role at Toronto Police Services and an overview of the scams landscape right now  3:23 – Aaron gives us his overall take on the current state of scams  4:11 – Broader context about scams and how they are often perpetrated by overseas victims of human trafficking   8:07 – A deeper dive into specific scams starting with impersonation scams, specifically bank impersonation scams  13:24 – Val breaks down romance scams and the psychology behind them that makes them so potent  20:07 – What are home improvement scams and what should people look out for?  22:26 – Are seniors targeted more often with scams?  23:13 – Some final tips on how people can protect themselves

Some welcome relief has come for consumers and businesses as the Bank of Canada has decided to lower its key policy rate by 25 basis points to 2.5%, marking the first cut since March.   Scotiabank’s Chief Economist Jean-François Perrault is back to explain what drove the central bank’s decision, what it says about the state of the economy, why we “aren’t out of the woods” yet on inflation, the odds of another cut this year, and much more.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  00:53 - JF’s main takeaway from the Bank of Canada’s decision to cut its key policy rate  1:53 - What does this say about the state of the economy?  2:28 - How much of an impact does a cut of 25 basis points have on the economy? (And why another cut is likely)  5:08 - With counter-tariffs on the U.S. largely eliminated, what is driving inflation in Canada now? What is keeping inflation higher than hoped?  7:39 - What does JF see for the economy ahead, given all the uncertainties?  9:14 - With a federal budget to be announced in November, what could this influx of government spending mean for the economy and inflation?  12:33 - How will this 25 basis point cut impact households, individuals, and businesses? And why mortgage borrowers are most likely to feel the impact  14:14 - Will lowering interest rates and making it easier for consumers to buy a house drive up prices and inflation?  15:16 - Why JF expects the Bank of Canada to cut again before the end of the year – but then possibly start to reverse them next year  16:26 - JF’s main takeaways for Canadians from the central bank’s announcement

The economy seems to be top of mind for most Canadians’ right now. But it can be hard to understand which stats actually matter and what they mean for us. So, Scotiabank Senior Economist Farah Omran is back this episode to break down five key economic indicators to help you better interpret the state of the economy and understand the headlines.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:44 – Why understanding economic indicators is especially important now  2:19 – Indicator #1: Inflation  6:35 – Indicator #2: GDP growth  10:41 – Indicator #3: Unemployment rate  13:55 – Indicator #4: Bank of Canada policy rate  18:25 – Indicator #5: Housing prices  21:17 – Bonus indicator: Productivity

The Bank of Canada has decided to hold its key policy rate steady at 2.75%, for the third consecutive time, amid ongoing trade uncertainty.   Scotiabank’s Chief Economist Jean-François Perrault returns to break down the central bank’s decision to hold once again, how Canada’s economy has been stronger than anticipated, possible economic scenarios ahead, and much more.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode:   1:10 - JF’s main takeaway from the decision  1:35 - Did we learn anything from the Bank of Canada’s commentary or outlook?  2:31 - Was a hold the right call in JF’s view?  3:16 - JF walks us through the Bank of Canada’s three possible economic scenarios ahead  5:18 - What scenario does JF think is most likely?  5:55 - How unusual is it for the Bank of Canada to not have an economic forecast?  7:14 - What is the current state of Canada’s economy?  9:30 - A breakdown of Canada’s “unbelievable” employment numbers  10:34 - Which sectors are feeling the impact of trade uncertainty the most?  12:17 - Scotiabank Economics’ outlook for rate decisions for the rest of 2025  15:07 - What’s happening in Canada’s housing market?  16:54 - JF’s main takeaways for Canadians from the Bank of Canada’s decision and outlook?

Newcomers to Canada are still critical to fuel our country's economic growth, despite recent cuts to immigration targets. In this episode, we’re joined by Kingsley Chak, the Senior Vice President of Deposits and Investments at Scotiabank, and Anthony Bambokian, Senior Economic Analyst with Scotiabank. They’ll discuss Canada’s changing immigration targets and the potential economic impacts that may have, the hurdles new Canadians face, some of the services Scotiabank offers newcomers, and much more.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  2:14 - Anthony catches us up on Canada’s immigration numbers from pre-COVID to present  7:13 – Why, despite changing targets, Canada will always be a nation of immigrants  8:48 – What balance Canada needs to strike when it comes to new arrival targets  10:24 – What are the main challenges newcomers face when they first arrive in Canada?  11:30 – Some data around how long it takes newcomers to find their economic footing after arriving in Canada  13:25 – Two more key hurdles many newcomers face in Canada  14:42 – What challenges newcomers face when it comes to banking and finances  19:02 – The numbers behind newcomers and entrepreneurship  21:12 – How Kingsley's personal immigration story also relates to banking  22:18 – Final takeaways from the conversation

Scotiabank’s Chief AI Officer, Yannick Lallement, returns to fill us in on the latest breakthroughs in artificial intelligence. He’ll also give us an update on how AI is being used in the banking and finance world and what might be on the horizon.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:54 – How Yannick got to be Scotiabank’s Chief AI Officer  3:44 – Did Yannick expect this proliferation of AI technology when he started studying it in the 90s?  4:37 – The thing that surprised Yannick most about the latest breakthroughs in AI  5:45 – The surprising way Yannick uses AI in his day-to-day work  6:30 – A new type of AI on the horizon: agentic AI  9:02 – In general, has the financial services industry adopted AI?  9:37 – How has Scotiabank been adopting AI?  15:25 – How banks and other institutions are safeguarding clients when it comes to AI  18:22 – What Yannick sees for the future of AI in banking

The Bank of Canada announced that it has held its policy interest rate steady at 2.75% for the second consecutive time as tariff uncertainty continues to loom, the Canadian economy shows signs of weakness and inflation persists.   Scotiabank’s Chief Economist Jean-François Perrault is back on the show to break down the central bank’s latest decision, what’s happening with inflation and in Canada’s housing market, why he doesn’t expect any interest rate cuts this year, and much more.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:   1:00 — What is JF's main takeaway from the Bank of Canada's latest decision?  1:43 — JF breaks down Canada's latest GDP numbers and how that factored into the central bank's decision to hold  4:03 — A closer look at inflation in Canada and how key measures are rising  6:35 —JF's outlook for the economy in the coming months  10:00 — Why JF isn't expecting the Bank of Canada to announce a cut this year  14:06 — What's happening in the Canadian housing market? If interest rates stay put for awhile, what kind of ripple effect could that have?  16:29 — The main takeaway from the Bank of Canada's decision and outlook for Canadians

Financial abuse has been called ‘The crime of the 21st century’ and elder financial abuse in particular is becoming increasingly prevalent. In this episode, our guests are Raeann Rideout, Director of Strategic Partnerships for Elder Abuse Prevention Ontario, and Nicole Daley, Senior Investigator for Central Canada at Scotiabank Corporate Security Investigation Services. They'll explain how elder financial abuse happens, how to spot it, what to do if you’re a victim or suspect someone is and more.   For more resources and information please visit Elder Abuse Prevention Ontario or Scotiabank's Cybersecurity and fraud hub.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:40 – Starting with the basics: what is elder financial abuse?  2:41 – A few stats to give a sense of the scale of the issue  4:16 – How does this type of abuse typically start?  4:55 – Who are the typical perpetrators of elder financial abuse?  7:33 – How to spot elder financial abuse  8:33 – Misconceptions around this issue  9:30 – How power of attorney, or POA, factors into elder financial abuse  10:56 – How seniors can balance the benefits of a POA for property while still protecting themselves  12:15 – What should someone do if they are a victim or suspect someone is a victim of elder financial abuse?  14:16 – What Scotiabank is doing to prevent financial abuse of seniors  15:15 – Final takeaways from the discussion

With life expectancy on the rise, people may actually spend more time in retirement than they do working. With that in mind, this episode is the second of a two-part series we’re calling Investing Through the Ages. In it, we’ll work our way through different age groups and break down how they should be thinking about saving and investing at each stage along the way. In this instalment, we’re looking at age 50 and beyond, also known as the decumulation stage. Erin Griffiths, the Executive Vice President of Scotiabank Global Wealth Solutions, is our guest to give tips on how to age gracefully from a financial perspective in the face of recent volatility, how to best shift from saving to generating income from your assets, address some common misconceptions about this phase and much more.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:46 – Erin introduces us to what experts call the “decumulation stage”  4:25 – How should people think about investing differently at this stage?  6:09 – How longevity has complicated retirement planning in recent years  9:35 – Addressing common misconceptions about managing money at age 50+  10:55 – How should people who are facing retirement or recently retired be navigating market volatility?   13:40 – What exactly does a financial plan look like at age 50+?  15:50 – Breaking down the two key elements around planning for retirement: financial and personal  19:13 – What challenges do women in particular at this age face when it comes to wealth management?  20:15 – What about intergenerational wealth transfer — how does that factor into financial planning?  22:09 – What Erin wants people to take away from this conversation

The Professional Women’s Hockey League (PWHL) recently announced they'll be adding two new teams next season and league-wide attendance has now surpassed the 1 million mark. What’s been the key to this still-young league’s huge success? Jayna Hefford, the Executive Vice President of Hockey Operations for the PWHL and a four-time Olympic gold medalist with Team Canada, tells us how the business strategy behind the league helped propel it beyond a successful launch and into part of what’s becoming a cultural movement.     For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  2:02 – Jayna's overall assessment of the PWHL’s second season so far  3:36 – What surprised Jayna about the make-up of the fans  4:23 – The strategy to sustain fan excitement for the second season  5:20 – How a mandate from leadership helped enable some of the league's innovations  7:53 – Why has this iteration of professional woman’s hockey gained traction?  10:16 – How does the PWHL attract talent?  11:25 – How viewership has changed since the league started and how that's helped growth  12:43 – The role the PWHL plays in wider societal change  15:08 – A look ahead to next season  16:32 – What the success of the PWHL means personally to Jayna

As talk of U.S. tariffs continues to dominate headlines, one potential homegrown way to mitigate the effects keeps cropping up: interprovincial trade. But just how much impact would removing or reducing the existing barriers to trade between provinces actually have? John McNally, Economist and Senior Policy Advisor at Scotiabank, is our guest to tell us what the main roadblocks to interprovincial trade are, what the newly-elected Liberal government plans to do about the issue and give us a reality check on just how much of an impact reducing these barriers might have on the Canadian economy.   For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:29 – How realistic are the estimates of the potential impact of reducing interprovincial trade barriers on GDP ?  2:01 – How much trade currently happens within Canada? And how important is it to the economy?  3:30 – How much of Canada's international trade is with the U.S.? 4:36 – Which sectors do interprovincial trade barriers impact the most?   10:04 – Some examples of the current barriers to trading between provinces  12:31 – How labour mobility is affected by interprovincial barriers  14:56 – How difficult is it to actually reduce these barriers?   17:12 – What about the EU? Is there anything we can learn from their model?  18:47 – What difference has the Canadian Free Trade Agreement made and is that something that can be built on?  20:40 – What has Mark Carney promised on the campaign trail around interprovincial trade?  24:34 – What’s a realistic boost to GDP that we might expect to see if we reduce trade barriers between provinces? And what’s stopping us from getting there?  28:10 – John gives a sense of the scale of trade between provinces vs. trade with the U.S.  30:42 – Why lowering interprovincial trade barriers isn't a silver bullet

No matter what stage you're at in life, saving and investing can seem daunting. That’s why this episode, we're bringing you the first of a two-part series we’re calling Investing Through the Ages. In it, we’ll work our way through different age groups and break down how they should be thinking about saving and investing at each stage along the way. In this installment, we’re focusing on what experts call the accumulation stage – roughly age 25 to 50. These are most people’s core working years where they accumulate the majority of their wealth. Devon Lacombe, Vice President of Retail Investments at Scotiabank, is our guest and has some practical tips on how to balance short-term and long-term savings goals during this pivotal phase.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  2:05 – Devon explains what the accumulation phase is  3:44 – The start of the accumulation stage: how should people be investing and saving in their 20s and 30s  4:36 – A key tool to ensure people are hitting their saving and investment goals during this period  5:48 – The first type of account people should be thinking of during this phase  8:11 – What about people who are carrying student debt? How should they approach saving?  9:43 – The benefits of starting to save and invest early  10:53 – At what point should someone talk to an advisor when it comes to saving and investing?  11:55 – A mistake Devon made early in her accumulation stage and the lesson she learned from it  13:04 – The next potential milestone during the accumulation stage: home ownership. How does that factor into investing and saving goals?  14:06 – A primer on the First Home Savings Account (FHSA)  15:55 – How much of your income should go towards home expenses?  17:11 – What about buying a house as an investment?  18:32 – Another milestone during this phase: having children. Devon explains how an RESP works  19:27 – How to prioritize saving and investing when financial responsibilities are piling up during this phase  22:31 – How to approach investing during the next major life milestone: middle age (and a good benchmark for what you should have saved for retirement at this point)  24:50 – How should wealth transfer from parents impact financial planning?  26:02 – Planning for the next phase (and our next installment of this series): the decumulation stage

The Bank of Canada announced that it held its policy interest rate steady at 2.75% — a pause after seven consecutive cuts — as uncertainty about tariffs and the economy continues to cloud the global outlook. Experts were split on whether the central bank would deliver a cut or a hold.    Scotiabank’s Chief Economist Jean-François Perrault returns to break down the announcement, provide some context around why the Bank of Canada went this direction, what it might say about the state of the economy, take stock of where we are with the ever-evolving global tariffs and much more.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:    1:11- JF’s main takeaway from the Bank of Canada’s latest decision  1:54 - Was a hold the right call?  2:45 - What did we learn from the latest inflation data for March about the impact on the economy?  3:49 - The Bank of Canada laid out two illustrative scenarios for the economy, as it is difficult to create a forecast with so much uncertainty. JF explains why this is so rare, and walks us through the central bank’s two scenarios  5:52 - What does JF forecast as the most likely scenario?  7:17 - What is the probability of a severe recession in Canada?  8:56 - An overview of the current state of tariffs in Canada and internationally  12:00 - Are higher costs for businesses and suppliers starting to pass through to consumers?  13:08 - What are the impacts on Canada’s jobs market?  14:23 - What has the ripple effect been on the country’s housing market?  16:07 - JF’s cautious outlook for upcoming Bank of Canada’s decisions  18:22 - Main takeaways for Canadians

In this episode, our guest is Indigenous entrepreneur, CEO and founder of the Indigenomics Institute, Carol Anne Hilton. Her first book, Indigenomics: Taking a Seat at the Economic Table came out in 2021. Her new book is titled The Rise of Indigenous Economic Power: Deconstructing Indian Act Economics. You’ll hear a conversation between Carol Anne and Clint Davis, CEO of Cedar Leaf Capital, the first Indigenous-led, Indigenous-owned investment dealer in Canada. They talk about her new book, the massive potential of the Indigenous economy in Canada and more.      For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  1:30 – Carol Anne gives us an overview of her new book, The Rise of Indigenous Economic Power: Deconstructing Indian Act Economics  2:20 – What she aimed to accomplish with this second book  3:25 – Defining what Carol Anne’s new book calls Indian Act economics  6:03 – How the 1876 Indian Act still impacts Indigenous economic development today  8:25 - How Indian Act economics also impacts non-Indigenous Canadians  10:57 – Carol Anne tells us about the ‘phenomenal rise of Indigenous entrepreneurs’  13:48 – The goal of creating a 100-billion-dollar Indigenous economy in Canada  17:12 – Why traditional GDP may not properly capture Indigenous economic power and strength  18:43 - Do we need to get rid of the Indian Act in order to fully unleash the economic potential of Indigenous Peoples?  20:30 – What is the role of the federal government to empower Indigenous economic growth?  22:30 - What does Indigenous economic power look like today and how is it shifting?  24:58 – How the unique location that Carol Anne wrote part of the book helped clarify the themes she was writing about  26:21 – Why focusing on Indigenous economic inclusion is especially important during these times of economic uncertainty

When they think about the economy of Canada’s Atlantic provinces — New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and Labrador — no doubt many Canadians’ minds first go to the fishing industry. But it's so much more than that. In fact, the Atlantic economy has taken on a new sense of vibrancy and diversity in recent years. Scotiabank’s Atlantic Regional Senior Vice President Nicola Ray Smith and David Chaundy, the President and CEO of The Atlantic Economic Council, join us to help break down the current state of the economy in Atlantic Canada.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:    1:54 – David gives us a snapshot of the Atlantic Canadian economy  4:22 – What Nicola is hearing from her clients about the general mood around the Atlantic Canadian economy  6:18 – David gives a surprising stat about the Atlantic Canada fishing industry and a primer about what other industries play a significant role  9:24 – What sector is a growth area in the region?  9:53 – What other Canadians may be surprised about when it comes to the Atlantic Canadian economy  13:40 – How population growth and shifting demographics factor into the economics of the region  17:35 – Both guests tell us what they see as the biggest challenges are for the Atlantic provinces from an economic perspective, as well as the biggest opportunities  22:56 – Nicola reflects on the significance of Scotiabank’s history in the region

A federal election in Canada is just a few weeks away and top of mind for many voters is the economy and the volatile trade situation with the U.S. Rebekah Young, Vice President and Head of Inclusion and Resilience Economics at Scotiabank, is our guest to tell us how the election could be an opportunity to think about how we make the Canadian economy more resilient and less vulnerable to external forces.    Check out the Scotiabank Economics full report, Owning the Podium in Canada’s Federal Elections for more.    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode:    1:40 – The crux of what this new Scotiabank Economics report is asking of campaigning politicians  2:57 – The specific number the report says politicians should be aiming for when it comes to economic growth (and why it was chosen) 6:43 – Why this challenge is necessary  9:26 – What are the policies a government might implement to achieve these goals?  14:01 – How is the responsibility divided up between public and the private sector?   17:10 – How the threat of tariffs and economic uncertainty are making us rethink things like interprovincial trade and regulation  20:00 – Some of the short term or temporary measures that could help achieve the proposed economic goal in the report  23:57 – What Rebekah and the economics team will be looking for as the campaign rolls out  27:07 – What should Canadians be looking for in an election campaign?