From time to time we find better opportunities in the structured note space. In the middle of November, we took advantage of rolling two of our current Principal at Risk structured notes on the TSX60 which were getting 6% and 7.75% respectively and moved them into SSP1407 - US Bank note that has a 7.8% per year yield with 30% downside protection. We decided to go with 6 of the larger US banks which include: Bank of America, Citigroup Inc, JP Morgan Chase & Co, Morgan Stanley, Wells Fargo, and U.S. Bankcorp. Lastly, we hedged the currency within the note so we have no risk on what the US dollar does against the Canadian dollar over the next 7 years.