"Do you really want to make a big bet that you do know what's going on right now?"—Stephen Poloz on mortgage term selection In this much-anticipated follow-up with our prior BoC Governor, Stephen Poloz, he saves the best for last. Students of monetary policy, mortgage strategy and housing dynamics

Here's a man who knows inflation and interest rates, like no one else. If you want to understand when the Bank of Canada might ease monetary policy, former BoC Governor Stephen Poloz is one of only a handful of people who's truly in a position of authority on the topic.

Few entities in Canada originate more mortgages than M3 Mortgage Group. Its Founder & CEO Luc Bernard, therefore, knows more than your average bear about running a profitable mortgage operation. With broad industry connections and access to a wealth of data, Luc intimately understands the trends driving Canada's mortgage business. That's