You may want to short this company.We have our mortgage with CIBC, purchased our house in 2010 for $185,000 with a mortgage of $174,000. The house just got appraised at $618,000. That's positive equity of..... $444,000. Have held the mortgage with CIBC the entire time, and NEVER MISSED A PAYMENT. Now, we ask for a Home Equity line of credit to PAY OFF DEBTS AND RENOVATE OUR HOUSE. They REFUSE TO ISSUE A LOAN BECAUSE OF......wait for it..... ONE $4000 RBC DEBT SITTING IN COLLECTIONS, because RBC effed up. Yup. Four. Thousand. Dollars. Now, I'm no actuarial sciences major, but this ain't good for the economy, or your bank. We are now just waiting for our current mortgage term to expire. I'm sure that your stock will absorb losing us. Your company's reputation will not.