The last budget on pages 144-145 gives the banks the power to change their liabilities to assets at the stroke of a pen when the next crisis comes. The term bail-in will become common which means your RRSP and bank accounts will be taken and you will have no recourse. For those of who don't know what liabilities are check out the definition and think back what happened in Cyprus last month and how many people lost a good percentage of their money. Bail-in are coming to Canada and we are going to pay for it. The poor will be poorer and the rich will be way less rich. The government is not your friend. —A.R.