Many people would be forced to sell though if there was a price drop, because the high prices necessitated having a very high borrowing rate (95% borrowed), and commonly at renewal (typically 5 years in Canada) mortgage terms require the borrower to pay the difference between the market value and the borrowed amount to ensure they are not more than 95% leveraged still.
This is the big problem the government has: it is very difficult to unwind this mess through policy without triggering a cascade. Likely it will come eventually, they just want to ensure it’s not their party in office when the shoe finally drops.
To get better you definitely need to prevent giving your opponent winning tactics. It’s important to study being the active side for two reasons:
1) Not always but very often spotting a winning tactic wins the game immediately
2) You develop an intuition about various piece position combinations and geometries and features that usually produce these tactics in a game.
Now consider these a problem, say white to move, and go back one move. Likely, black just made a move which enabled this tactic. It’s hard to craft a puzzle where you are asking what Black should do: the main thing is to not make the losing move, but are all other moves that avoid it just as good? Not at all!
There are lots of books that try to teach and train this, but it doesn’t fit into an efficient package like the “find the tactic” one does.
One exception here is when one side has sacrificed material for a speculative attack. In those cases just avoiding mate is a kind of puzzle that fits. I have occasionally seen some puzzles like this (eg. Attack and Defence by Aagaard) but it’s a lot more work to put together, and occurs much less often in games which is probably why it’s much less common.
It’s the same in Canada. I had to setup direct withdrawal for a strata (condo) fee by visiting my strata’s bank with a “blank cheque” (print out of a .png from my own bank’s website, trivially forged). The teller had already set up the monthly withdrawal before I reminded her she forgot to even check my ID!
It gets worse too - once I moved and wanted the withdrawals to stop, my own bank claimed there was no way they could stop them, only the withdrawing bank could cancel
it. Of course I wasn’t a signer on the strata account as I was no longer a resident, so was completely reliant on them to stop.
Legacy features doesn’t even begin cover it. Those people that keep all their money under their mattress aren’t quite as insane as you might think.
Before internet chess it was very common to analyze games either at the tournament with a group, or a club later also with a group, both usually having some stronger players around.
To do it yourself, the best explanation and framework I think is found in Yermolinsky’s “Road to Chess Improvement”. It’s very helpful in systemizing this and also has thorough explanations of his experience in analyzing his own games.
I believe the chicken tender is a specific cut/part of the breast. I would guess it’s being used inaccurately for marketing/trendiness purposes, but originally it was probably not just a regional variation of “chicken finger”. See related: Chilean Sea Bass as a renaming of the less glamorous “toothfish”.
Just a note, I don’t think there are many Canadian small ISPs which buy internet access wholesale in order to resell it. There are many who lease “last-mile” connectivity from both as Bell, Rogers and Co as owners of the copper they are required to provide that, but it’s not in their interest to sell wholesale internet access to a competitor. You will hit an IP network device of your own ISP first and never be on on an internet routable segment of Bell/Rogers so its unlikely they would be able to block other kinds of encapsulated traffic (assuming the agreement even allows that, which also seems unlikely). If you are a small ISP, you have much better options for transit than Bell or Rogers at that point.
Yes, it is possible, but more often the homeowner switches lenders themselves, since they are now able to negotiate for a better rate from a competitor.
The truly terrifying thing is that the banks have been adding clauses to the mortgages that on renewal if the market value drops below the outstanding balance, the homeowner is required to pay the difference in order to renew.
This is scary because they will not have paid off much in the first 5 years, but the house price can certainly drop a lot in 5 years in a down market, and there would be very little hope for finding a new lender willing to offer a new mortgage for more than the market value of the house.
Getting a mortgage in Canada is (in my experience) a very weird process for an agreement over such a large sum, but typically can happen within a week.
This is the big problem the government has: it is very difficult to unwind this mess through policy without triggering a cascade. Likely it will come eventually, they just want to ensure it’s not their party in office when the shoe finally drops.