RE:Senior management needs to be replacedBoy you sound like my Dad. This is quite damaging but i hope you realize that in 2021 TDs net profit was 11 billion dollars. Lets say it takes the 2 billion hit that is less than 20 percent of its 2021 net. With the way the bank has grown i suspect it is probably over 11 billion net but given i dont know conservatively we take it at that. Now if what you said is true despite what is going on why does National Bank have an $84 price target? Granted this quite damaging but the saving grace is that 11 billion net. If TD was at 5 or less billion yeah that would be a whole different story. This is not to say this is good but i would hardly call TD a lame duck despite the wound which will be more like a limp that will be shaken off vs a vital death strike if we want to be dramatic lol the share value will continue to lag for a bit but this actually provides discounted buying opportunities for those who keep things in perspective. Having said that TD can ill afford any other similar type incident near to mid term possibly long as well...you dont want a Nortel situation where they were caught cooking the books 3 plus times so TD has to be extremely careful and vigilant on an ongoing basis and never let up.