Also, for what it's worth, TD is not just the only bank I know of, but the only website I know of that allows for a user-generated username to be used for login. My TD username was generated by the password generator of my password manager :)
So they don't get it all wrong.
it was noted that major water supply reservoirs in southern Saskatchewan are mostly at or above normal levels.
I guess it all comes down to how "normal" is calculated.
I have no formal data, so what follows may be a waste of typing and reading.
It's true that, right now, the water level in Lake Diefenbaker seems to be in line with what I've come to expect over the last decade. But I've lived on and utilized this reservoir for over twice that period of time, and it seems to me that we have a clear trend of lower levels.
The mouth of the creek that I once used for docking my boat and for my subsistence fishing had not been reliably useful for at least 5 years. What I have been used to is that the lake "backs up" into the creek, and that just doesn't happen anymore.
In fact, the old-timers remember when the lake would regularly back up into the creek far enough to get something like a canoe up into my back yard, and I've seen that once in 2 decades.
The inquiry into the invocation of the emergencies act found that it was justified, although not without problems. Those problems don't seem to have been in any way related to the freezing of accounts.
My opinion is that he's got, as we old-timers like to say, a tough row to hoe. (Or a snowball's chance in hell; take your pick.)
Over the years, I've been with all the big Canadian banks and a couple of different credit union networks. They're all trash, in my opinion. I've sent security notices to all of them and never had a response, nor any evidence that they addressed the problems. TD just happens to be the place we landed after giving up on everyone else.
As for transaction downloads, I couldn't tell you. I gave up on ever having access to my data, so I just record it manually.
Security notice examples:
TD was running their SSL/TLS in a way that made them vulnerable to downgrade attacks.
A credit union finally upgraded their login page to allow a real password instead of just a 6-digit PIN. It took repeated complaints and some customer lobbying to get that, but the new page also blocked access to pasting and autofill, negating the utility of a password manager.
I also use TD. That they still allow only SMS for 2FA should be a crime.
Authentication is only ever as strong as it's weakest link. All the fancy passwords, MFA, passkeys or whatever mean nothing in the face of "I forgot my password" email resets and the like.
I know people who just hammer randomly on the keyboard whenever they get asked for a password, then use the "I forgot my password" system to get "authenticated," providing yet another set of random keystrokes as the new password.
And it's not horrible, I guess. They're using strong passwords. They're never reusing passwords anywhere, not even for successive logins at the same site. They have to be explicitly targeted by someone who is willing to target their email system.
This does nothing to secure against mass breaches, but neither does the strongest authentication system. But, like any of the strongest authentication systems, account takeover requires deliberate targetting.
Credit bureaus are just data brokers in disguise, so they're shady, both in concept and by design.
Porn is part of the sex trade, so shady mostly by perception.
I don't really think it's possible to do anything more than try to safeguard my personal information. But if forced to choose between those two, I'll pick a major porn site over a credit bureau every time.
I wish them all the best, but I think that getting the desired status will just make for one more voice to ignore. We are masters of deafness when it comes to indigenous voices, especially when there might be profits at stake.
This one will, and so will several of the families we know. We're not all anti-mitigation zealots.
Just because we can't afford to do the big ticket stuff like install solar or buy an EV doesn't mean we don't use the money to do what we can.
It's been a long time since I lived in a major centre, but I remember there being "reference desks" at main branches that could basically help you find anything. Sometimes materials or copies could be brought in, but it was often necessary to travel to where it was kept.
Well, since there is no syphilis vaccine, nobody is vaccinated.