Q: Hi 5i. I'm not sure if anyone has ever posed you a question about any of these companies, all of which have substantial operations in Canada.

Obviously, the expectation of continued interest rate hikes will have a strong negative effect on these companies' business this year. Taking a step back, though, do you see much to separate them as investments? For instance, is any of them materially more indebted than the others? Any thoughts you might have would be welcome.

Q: What are your thoughts on STC . Low pe and positive earnings forecast. Would you view it as a buy at this time or are there other companies in the sector that you would prefer such as State Farm? Thanks for the analysis.