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Haha I am the Canadian Karen.
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We have your new intro nickname!
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If the manager can't do it you should write a letter to Mark Carney himself. He has a background in finance, surely he can get to the bottom of this.
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Yes but there are usually penalties/fees associated with it. If I don't get what I want I will just renew for a year and if rates drop further as I expect I will get a better rate next year.