1. Canada’s Health-Care Crisis Is Structural, Not Financial 2. More Money Won’t Fix Canadian Health Care 3. Wait Lists Are a Design Problem—and Canada Can Redesign 4. Universal Coverage, Better Access: What Canada Refuses to Learn 5. Canada Pays More for Health Care—and Gets Longer Waits 6. Fix the Incentives, Fix the Wait Times 7. Canada’s Hospital Funding Model Is Built for Backlogs 8. The Status Quo Is the Reform That Failed 9. To Save Medicare, Change How We Run It 10. Other Universal Systems Work Better—Because They Work Differently 11. https://www.fraserinstitute.org/commentary/time-think-differently-about-health-care-canada

Canada’s challenge is not resilience—it’s ambition. The economy is surviving. It is not advancing. - Growth exists, but it’s consumption-led, not investment-led. - The economy is resilient in the short term, vulnerable in the long term. - Without higher investment, Canada risks: This is how countries quietly fall behind, not collapse https://www.fraserinstitute.org/commentary/dark-clouds-loom-over-canadas-economy-2026

- Bitcoin has been stuck in a wide range for months, particularly after the October drop that pulled it back from all-time highs into the 80k–95k zone. - What stands out is that after making a low near 80k a few weeks ago, Bitcoin hasn’t broken lower. Instead, it has been forming higher lows and higher highs, which is bullish from a trend perspective. - While there’s no obvious technical reason for Bitcoin to rally right now, especially with equities pulling back from highs, Bitcoin often acts as a forward indicator for risk assets. - A break back above the 95k range, particularly after the roughly 3k rally following stabilization in Venezuela, raises the probability that equities could move to new highs as well. Bitcoin doesn’t need to make new highs for stocks to do so, and history has shown that clearly.

Time in the market continues to beat timing the market. - As Peter Lynch once said: far more money has been lost preparing for corrections than in corrections themselves. - The past few years have proven that lesson once again. - Despite widespread concerns about froth, sitting on the sidelines would have been costly. The S&P 500 closed 2025 up 18%, marking its third straight year of double-digit gains. - In 2023 and 2024, the index rose 26% and 25% respectively. - Three or more consecutive years of double-digit returns have occurred only a handful of times in history

SanDisk led the group with nearly 600% returns, driven by surging demand for NAND flash after its spinoff from Western Digital. - Western Digital followed close behind, while Seagate also ranked among the top performers. - Micron posted another standout year as high-bandwidth memory became essential for powering advanced GPUs. Outside of the memory players, Palantir made the list yet again, marking its third consecutive year of triple-digit returns Among the worst performers in the S&P 500 were Trade Desk and Fiserv. - Trade Desk struggled after posting its first revenue miss in eight years, alongside heavier competition in digital advertising. - Fiserv sold off sharply after cutting guidance unexpectedly, triggering an ongoing lawsuit tied to alleged inflated growth claims. Consumer names like Deckers and Lululemon also suffered as valuations reset and domestic growth slowed. Research firms such as Gartner and FactSet were hit as well, as AI is increasingly viewed as a structural threat to premium data and research models