There is absolutely no way Carney hasn’t already played this scenario out before making his decision to diversify our trading relationships.

Trump’s mistake is thinking everyone is as reactionary, shortsighted, and driven by headlines as him.

If you’re a professional evaluating a mortgage decision and want an independent perspective, feel free to reach out.

Happy to have a straightforward, no-pressure conversation.

DMs are open.

My background is grounded in navigating bank and non-bank lending, understanding risk, and structuring mortgages that hold up when circumstances change:

• renewals,
• moves,
• refinances, or
• growth plans.

My role is to help clients make informed, defensible decisions.

For lawyers, physicians, accountants, insurance professionals and entrepreneurs, a mortgage isn’t just a loan, but a financial instrument.

I work exclusively with professionals who want clarity, not sales pressure.

The goal isn’t just the lowest rate today.
It’s the right mortgage for how you’ll actually live over the next few years.

Banks sell products. Mortgage Agents advise on structure. That difference matters when life happens: moving, refinancing or breaking early.

Working with a Mortgage Agent doesn’t mean higher costs. In most cases, we’re paid by the lender, and you still get access to options your bank won’t show you.

Another mortgage myth: “All mortgages are basically the same.”

They’re not. Penalties, portability, prepayment options, and flexibility can cost (or save) you tens of thousands.

Thus proving why he was not worthy of the Prize in the first place

As someone who was not raised in this tradition and is still learning, how is this to be reconciled?

is what you’re looking at is also *you*.

Everyone you’re looking at is also *you*.

*You* could be *that* person.

You could be that monster, you could be that cop.

And you have to decide, in yourself, not to be.”

— James Baldwin

Lol so it’s OK to smash bottles of Crown but not OK to make productive trade deals. Got it.

7/ India is voluntarily abandoning one of the few arenas where it holds unquestioned dominance and could shape the region on its terms.

Control feels strong in the short run. Influence wins in the long run.

History favors the actors who choose the latter.

Pride inevitably comes before the fall.

6/ Barings stayed relevant because it remained indispensable to everyone.

India’s IPL is doing the opposite: narrowing the table and calling it strength.

Power that relies on exclusion hardens quickly, and then stagnates. Whereas power that absorbs others quietly compounds.

5/ Inclusion of Pakistani & Bangladeshi players is not endorsement, but containment through dependence.

Leagues that attract rivals’ best talent make them subordinate, not necessarily legitimate.

4/ By barring Pakistani and Bangladeshi players, India is willingly trading access, influence and narrative leverage for domestic virtue-signalling and symbolic control to consolidate political power.

This is regressive, reactionary politicking; not strategic at all.

3/ The IPL is not just a cricket league. It has a certain commercial, cultural and social gravity; it has economic magnetism that cannot easily be replicated, making it the perfect tool for soft-power influence.

Excluding regional talent shrinks its reach by choice.

2/ Barings, a British bank, helped finance the U.S. during the War of 1812 … against Britain. Because influence beats symbolism.

Barings understood something states often forget:

You don’t weaken an adversary by cutting ties.

You weaken yourself by surrendering leverage.