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I wouldn't mind seeing Easy Financial potentially get into the GIC deposit broker business. Somewhat, but temporarily, especially if you manage monfh well (in which case it'll help you long term). Usually, the rewards are greatest when redeemed for airline travel, but many airline credit cards let you redeem the rewards for other items, most often other travel items. But that's all stuff that's already happened, and nothing really is bdst to change the past, all you are trying to do is dell the now and seemake a plan for the future.