ability

7:6

59:6

72:1

94:13

able

49:9

54:24

62:7

104:7

116:21

118:9,25

119:25

175:3,4

180:12

188:19

about

5:8,8,15

10:10

12:14,14,16,22

13:15

15:19

16:6

21:15,16,17

22:10,20,23

23:2

25:25

26:5

29:8

34:24

37:6

38:6,24

39:6

40:15

43:4

45:13

46:23

49:4,11

50:6

57:23,23

58:12

61:15,16,21,22

66:21

67:11

71:21

74:17

75:6,21

76:14,19

77:23

78:1,2,3,10,15,16

80:15,18

81:12

83:3,9

84:20

86:8

89:12,23

91:10

92:11

97:13

98:20,25

99:2,20

100:17

101:18

102:6,12,19

103:6,8,10

104:17

109:1

112:15

114:11

116:15,16,22

119:6

121:4

122:6,6,7

123:1,3,5

125:23

129:1,1

130:6,17,19

131:4,20

132:3,17,24

133:2,4,11,20

134:2,5,22

135:9,20

140:21,22

141:16,22

144:14

145:22

147:8,19,19

149:3,15

150:10,11

152:2

154:4,5

155:15

156:22,23

160:21

161:1

162:23

163:24

166:5,24

167:5,6,9,24

168:17

170:5,22

171:7

172:23

173:4,10,23

174:13

176:1,1,1

177:3

178:22

179:13

181:15

184:1,13

186:7,25

189:17,20,22

191:23

above

62:2

absence

125:25

absolute

102:13

absolutely

23:7

38:3

41:21

50:4

70:13

82:24

86:10

97:4

120:21

127:20

134:6

139:1

184:15

ac

130:13

accept

39:4

42:19

84:17

107:1,11

146:6

187:9

accepted

151:9,14

accepting

129:9

131:7

accepts

107:17

accompanied

83:11

accordance

84:1

accordingly

53:7,8

account

100:11

Accountants

56:8

accounting

132:3

163:19

accumulation

63:16

accurate

141:14

accurately

135:1

accustomed

177:13

achievability

155:16

achievable

137:19

154:23

achieve

30:21

75:23

achieved

56:23,24

58:3,4,9

73:9

78:12

108:13

138:16

154:22

acknowledgment

158:19

Acktion

163:14

166:17

across

46:7,18

Act

113:8

actions

23:2

active

163:24

164:11

activities

5:25

8:19

72:3

activity

188:24

189:9

actual

50:18

94:18

actually

44:2

47:12

50:9

67:21

68:12

69:21

72:14

79:9

82:6

90:19

92:25

100:16

102:12

106:6

122:13

127:16

128:1,23

130:13

131:23

148:10,15,20

150:16

167:5

169:4

174:19

180:25

183:22

184:22

191:22

add

38:7

64:18

added

67:13

102:4

addendum

111:8

127:7

addition

7:18

9:5

135:22

additional

8:18

9:14,15

53:11,11

71:7,10

118:25

119:19

185:1

addressing

119:12

adequately

10:9

adjourned

116:2

192:12

adjourning

192:15

Administrative

136:20

advantage

8:13

9:1

10:17

71:10,16

advantageous

14:9

advantages

27:12,18

51:20

89:23

90:1

adverse

115:7

advisable

187:17

advised

116:16

134:23

152:2

157:17

advising

181:2

affect

6:16

affects

50:9

121:12

affordability

30:2

52:3

after

97:18

101:2

114:16

130:16,16

133:15

153:8

160:8,13

180:8,25

again

6:17

15:24

16:16

17:21

21:15

25:24

27:15

42:14

69:3

71:10

85:24

90:10

96:4

101:17

102:10

109:23

114:8

147:5

157:13

160:3,8,12

164:5

166:3,13

167:16,20

176:16

183:14

against

77:15,16

ages

107:8

aggressive

137:21

142:8

ago

22:5,9,23

agree

5:23

6:20

8:7,17

9:6,14

11:5

18:5

19:1

34:1

61:13

75:8,10,14

91:25

92:19

94:4

95:6

96:6

137:17

138:19,21

agreed

10:25

138:12

144:22

agreement

31:10,19

35:11

97:12

98:3

129:17,22

137:7

142:22

156:8

186:16

ahead

33:11,11

131:17

141:23

ain't

165:4

171:20

air

36:23

Alexander

2:21

allow

7:5

28:3

allowed

76:6

allows

37:4

almost

18:18

48:15

alone

76:5

92:17

along

83:18

85:19

127:1

already

35:13

92:3

144:22

183:22

alternatives

45:15

173:19,19

although

18:9

185:21

always

45:15,20

46:18

77:16

101:12

122:8,9

154:9

166:12

amazed

106:7

amended

135:4

among

153:21

178:2

amongst

10:18

13:9

26:9

29:13

94:9

162:8

amortize

69:12

amortizes

68:25

amortizing

69:20

amount

11:17

13:2

61:23

62:3

65:10

120:2

amounted

42:3

amounting

58:10

amounts

40:25

analyses

123:15

analysis

27:10

56:13

67:15

69:6

78:13

180:16

analyst

189:15

Andrew

117:19

Andrews

117:19

annual

5:4

121:17

another

9:6

15:16

17:7

25:15

41:17

50:19,20

64:13,23

76:21

93:6

103:22

122:19

159:11

174:10

176:9

191:23

answer

7:6

15:7

17:23

19:5

20:2,19

21:16,19

22:13

36:21

54:3

71:24

72:17

77:9,10

88:11

92:25

110:1,3,3

152:6

167:20

171:12,13,15,22

174:18,19

185:6

answered

12:1

answers

92:16

anticipated

179:15

anybody

14:16

18:22

24:11

41:7

42:13

100:2

113:4

120:18

122:8

143:14

anybody's

32:19

anyone

100:4,7

anything

19:12

57:9

67:6

72:16

85:11

86:8,19,22

90:3

98:1

105:12

107:11

123:16

125:23

151:25

154:3

157:12

170:21

177:2

anyway

115:20

141:4,24

160:15

179:2

188:13

anyways

179:4

anywhere

97:14

apologetic

23:8

apologise

4:5

125:18

147:4

apologize

78:18

90:6

102:9

161:4

apology

84:25

apparently

4:25

5:6

97:12

117:8,18

128:8

132:1,7

appear

75:4,5

107:1

186:3

APPEARANCES

2:1

appeared

90:3

appearing

107:8

appears

26:9

90:22

93:12

119:18

126:2

185:21

187:5

appetite

116:18

apples

60:23

61:23,23

applicable

5:24

apply

143:16

appointed

146:12

appreciably

188:3

appreciate

27:17

31:22

59:1

77:21

132:13

155:13

158:6

160:22

appropriate

83:19

approve

152:3

approved

152:21

approximately

42:2

63:1

April

122:19,19,20,20

123:6

125:20,21

155:20

arbitrary

63:25

area

13:5,22

18:13

24:6

191:23,25

argue

15:5

22:14

25:24

arguing

22:13

argument

48:1

argumentative

7:5

48:11

144:14

146:19

147:4

arises

114:24

around

19:3

20:11

24:22

29:25

77:7

122:6

arrived

135:11,13

ascribe

6:10,18

ascribes

5:7

aside

64:12

89:11

100:5

asked

5:7

18:24

37:22

74:16

88:10

89:20

104:11

124:18

134:23

146:10

152:9

166:8

173:4

asking

8:16

11:9,11

15:6

35:3

49:19

55:8

57:12,18,25

59:4

80:15,18

85:8

99:20

108:20

109:13

133:3

146:3

148:7

168:15

171:25

174:12

180:25

aspect

6:8

25:11

58:14,18

76:2

95:16

aspects

15:20

75:22

95:11

assess

116:19

assessed

121:20

assessing

18:7

27:12

asset

14:17

15:7,16,21

16:6

18:19

24:6

26:10

40:14

71:19

95:24

121:15

132:4

168:6

assets

124:15,16

assign

97:8

assigned

97:19

153:16

assignment

97:16,17

158:19

assigns

145:3

assist

12:15

125:12

assistance

57:14

assistant

148:3,7,11

assisting

83:14

assists

45:1

associated

40:5

63:11

71:20

101:23

Association

5:1

assume

51:2

118:5,14

125:10

155:14

assumed

124:1

125:2

assuming

36:3,5

183:18

189:2

assumption

51:2,7

68:22

69:18

114:4

117:25

assumptions

52:11,18

101:25

123:8

151:16,25

152:4,19

assurance

105:19

assure

150:22,25

assured

32:15

asterisk

130:17

attempted

18:14

21:2

24:7,25

25:8

attempting

60:17

142:20

attending

160:16

attention

72:14

123:18

131:3

attributes

27:23

audited

55:20

auditor

55:20

august

7:3

150:10

161:5,6,9

162:14

173:7

177:20,21

178:3,17

179:13

181:7

184:9

185:2,16

186:6

188:4,6,8

191:13

author

125:14

authored

81:5

authority

136:19,22

authorized

137:3

available

8:11,12,20

46:14

65:9

71:10

136:1

144:25

Avenue

1:16

avoid

65:19

awarded

130:18

aware

5:9,14,22

17:22

20:21

24:6

53:2

100:2,4,13,18

148:7

157:5

160:17

170:24

172:17

173:10

175:24

away

127:3

153:13

awful

38:24

a.m

4:1

54:10,11

192:13

back

23:18

24:4,12

29:11

33:12

43:3

46:4,8

50:3

67:9

76:6

77:23

78:6

82:17

86:12

89:21,21

90:5

92:22

97:4

101:8,23

107:19

114:12,12,15

118:22

119:24

122:5

127:3

132:22

137:10

156:8

163:25

166:16

186:6,25

backwards

77:2

bad

96:7

114:17

172:24

188:17,19

balance

49:7

51:17,19

53:16

82:9

132:4

153:11

ballpark

125:6,7

bandied

26:5

bank

63:7

71:15

72:3

173:24

174:18

bar

76:8

bargain

47:23

Barry

2:16

based

14:17

15:7,16,17,21

18:19

24:6

26:10

101:25

121:15

125:11

168:6

186:5

basic

154:6

basis

8:21,24

26:18,23

27:7,7

32:2

33:3

34:25

35:6,25

37:12

38:8

39:7

55:4

57:13

58:2,10

59:7,9

67:1

74:24,25

75:4,23

76:17

78:4,11

82:10

87:16,19

88:7

97:17

104:18

118:18

119:9

121:17,18,21

bat

156:7

Bay

164:16,18

beach

77:14

82:20

86:24

89:22

93:23

bear

128:8

182:8,25

bearing

110:20

beat

164:15

beating

165:23

171:18

become

116:21

144:14

156:10

160:1

177:12

becomes

7:5

29:3

becoming

175:22

178:18

before

1:11

11:16

14:1

17:20,22

19:20

21:3,21

23:6

25:1,9,12

30:25

32:19

67:16

72:15

90:3

100:25

101:1

118:9,24

119:20

120:9,11

127:2,4

152:5,21

176:14

177:6,15

began

15:23

begin

131:12

beginning

29:12

40:9

137:2

175:20

178:8

180:20

behalf

104:7

behind

72:4

being

12:15

37:16

96:21

100:20

106:15,18

113:3

118:22

119:3,19

125:7

129:5

131:4

132:18

137:3

146:10

155:3

156:14

160:24

166:1

184:21

185:6

186:5

189:13

believe

57:19

73:12,15

90:13

99:21

103:3,20

111:8

112:20

114:9

117:1

122:6,20

127:7

128:15

148:15

153:23

154:17

186:5

believed

137:20

below

6:12

26:18

55:5,18

56:14,15,17

58:2

61:8

74:24,25

76:17

78:4,11

82:10

104:8

118:8

benchmark

32:17

76:8

101:13

benchmarks

75:24

beneficial

27:24

benefit

108:13

115:9

120:12,18

121:2

125:17

140:6,6,19,23,25

143:15

144:2

166:1

benefits

71:7

119:11

Berger

2:15

39:12

Berrill

2:7

beside

130:17

best

7:6

24:2

49:13

102:2

105:13

110:9

160:14

165:19

171:18

better

34:21

82:13

107:25

110:19

119:4

between

51:24

58:6

60:20

97:24

102:17,22

106:9

120:2

150:16

155:15

157:24

183:19

188:3

beyond

23:21

71:18

76:7,9

176:4

big

12:18

38:15

44:14

87:11

167:11

bigger

49:17

bill

130:17

131:15

184:18,18

185:23

bin

86:15

bit

25:25

28:3

42:16

46:17

97:23

105:16

188:5

biweekly

130:19

blow

108:6

blown

122:25

Bo

104:24

109:20,21

161:23

166:22

184:10

185:3

body

7:3

145:3

boil

188:13

boiling

175:1

Bond

66:22,24

67:6,12

book

30:18

74:6

121:1

127:2

booked

121:6

books

120:5

borrow

46:24

69:9

98:3

borrowed

68:20

borrower

17:10

borrowing

29:1

70:2

both

43:22

53:12

68:12

70:14

74:23

75:4,5,23

89:8

94:20,22

102:17

104:6

133:10

bottom

65:13

69:19

87:2

109:12

170:7

bought

38:2

boxes

57:6,7,9

Bo's

114:12

brand

96:5

breath

176:14

Brian

98:8

bridge

129:23

brief

4:10

5:17

60:5

72:11

73:17

74:4,9

89:4,18

90:17

101:5

111:5,11,16

112:9

130:11

134:15

140:15

147:15

159:9

177:18

182:10,21

183:1

185:13

191:18

briefed

154:4

bring

57:7,9

109:21

115:18

143:20

164:18

bringing

10:17

Britton

2:8

177:22

178:3

181:2,9

183:20

184:4,10

185:8,9

189:2

Britton's

179:6

broaden

9:19

brought

52:25

132:9

138:14

154:10

163:15

179:12

budget

61:24

budgeted

65:9

build

50:25

building

24:8

90:20

172:16

174:17

built

176:18,22

187:25

188:3,5

bullet

112:19,23

129:2

bullish

23:20

Bumstead

2:18

bun

27:22

bunch

51:15

bundle

27:17,23

79:16,17

burgers

52:17

53:15

burning

157:14

bus

12:16

bushes

165:23

171:18

business

6:7

7:18

9:21

10:18

12:16

18:8

24:14

31:20,22

37:16,18

48:25

49:11

51:13

75:13

144:24

148:25

149:2,4,7,8,10,14,15,18,22

150:2,18

151:3,4,7,8

152:1

153:8,13

154:2

busy

190:19

buttons

83:19

calculated

63:22

calculation

62:19

call

11:18

13:1,16

61:9

65:4,8

82:3

84:13

108:4

164:16

called

44:15

61:9

85:25

105:19

106:16

calling

133:14

came

29:17

55:21

86:6,11

103:7

121:3

125:13

129:18

150:8

163:25

191:9

Canada

66:22,24

67:6,12

114:17

163:11

Canada's

42:1

Canadian

5:1

53:22

CAO

136:20

148:11

CAO's

148:7

capacity

163:3

capital

28:21

45:13

49:22,24

50:10

53:6

54:1

68:14

capped

143:12

cards

16:11

care

16:5,6

49:4

146:15

171:8

cares

68:14

Carmen

183:13,19

185:3

189:14,18,21

190:1

carry

55:14

84:16

107:21

case

13:20

31:14

46:21

55:1

56:23

58:1

89:23

140:25

cases

53:12

cash

92:19,21

131:14

Cask

108:8

Caskey

2:3

73:22

74:16,20

78:19

89:22

101:22

108:9

122:12

127:17

128:14,23

132:9

139:23

148:15

154:17

160:10

categorise

76:7

categorize

33:6

caused

161:12

caveat

25:12,14

caveats

19:22,25

20:11

24:18,21

25:3

cc'd

100:14

certain

7:5

67:12

116:16

121:15

134:24

145:20

180:8

certainly

7:22

10:22,25

11:7

12:20

14:13

15:25

16:22

18:25

20:9,10,20

23:21

29:7,22

32:8

40:18

44:4

46:2

71:17

76:24

77:19

81:18

90:3,5

92:10,12

96:11

98:4

100:10,13,21,23

101:2,9

104:17,18,19,23

110:9

113:16

123:15

125:25

126:8

135:13

136:3

138:18

143:17

145:5

148:10

149:13

150:20

154:23

155:4

161:24

162:6,15

165:1

166:10

170:4

173:18

177:14

178:5

184:8

189:3

Certificate

3:8

Certified

192:17

cetera

13:16

25:21

40:5

52:5

139:5

CFLA

9:12

CFO

30:13

136:21

175:10

chain

136:21

Chamber

136:2

chance

37:21

change

25:19

75:7

113:8

114:11

152:4

157:13

158:5

changed

94:10

187:9,14

changes

21:13

113:1

114:1,2,13

characterize

54:24

characterized

95:1

charge

49:24

53:4,14

charged

57:1

153:9

charging

32:6

chart

148:16,17,20,23

149:1,5

Chartered

56:8

cheap

26:25

cheaper

92:14

chew

190:8

Chief

11:23

136:15,20

145:4,14,20

146:12

children

20:1

choice

40:17

choices

86:14

Chris

2:10

circle

186:10

circled

178:25

circumstances

9:18

53:23

94:10

143:16

169:15

circumvent

145:5,6

Cit

189:5

City

1:5

2:10

4:3

9:18,19

11:24

12:1,6

13:20,20

14:2,8,16

15:9,24

16:8,13,22

17:22

18:22

19:10

20:16

24:12,14

26:10

29:13

30:8,12,14,16,22

31:2

32:1,3

34:8

35:5,17,24

36:7,24,24

37:7

43:3,5,6,9,13,24

44:17

45:24

46:9,13

47:1,5

48:23,23

50:11

54:7,13

59:19

70:16,24

71:6

80:23

87:12

98:3

101:11

102:17,22

103:7,12

104:23

113:1,18

116:1,7,16

118:22

122:8

123:11,22

124:18

131:15

132:1,4,11,15

136:13,17,18

140:6

141:9

142:14

144:5,9

145:9,18

146:2,3,5,11,12

147:20

149:18

150:16

154:25

155:21

159:17,23

168:24

169:2

171:16

172:4,12,21

173:1,2,9,13

175:4,12,20

177:3

178:8,22

180:11

189:6

192:11

City's

15:8

18:7

34:21

37:6

38:10,22

41:22

43:7

45:7,7

46:3,5,9

47:22

115:8

149:11,15,21

155:3

Clarica

2:20

30:14

31:14

32:5

36:7

41:6

45:21,25

46:7

47:2,5,21

97:7,9,12,12,16,18,24

98:23

180:21

186:15

Clarica's

46:8

clarification

135:8

clarify

39:21

clarity

73:9

classified

56:1

clause

94:22,23

clean

96:8

clear

9:9

15:9

16:7

17:1,2

41:22

43:5

50:14

93:16

96:25

109:2

123:1

152:18

164:21

170:11

180:25

185:21

191:1

clearly

86:5

104:9,10,13

123:22

132:6

client

10:19

11:2,3,4,21,22

12:6,13

15:10

19:24

44:9

56:21

61:24

95:21

113:8

114:15,20

132:11,18

136:11,12

140:19

141:9,9

144:5,25

145:22

146:1,2,10

166:2

186:15

191:5,6

clients

13:8,9

53:2

96:15

client's

11:3,16

12:11

44:10

49:5,6

96:17

close

101:2

109:18

120:5

121:4

156:10

157:14

closed

113:6

114:16

120:10

closing

97:19

154:20,25

178:22

191:14

Coalition

2:14

code

5:6,9

9:12,20

codes

6:21

7:11

coincidence

126:17

colleagues

10:25

collective

90:3

column

69:13

com

86:6

combination

160:25

combine

119:8

come

33:11

59:18

75:9

77:23

82:17

95:13

96:21

101:8

109:18

122:5

149:25

150:9

158:4

comes

10:6

46:4

56:7

62:14,20

64:13

86:12

92:22

101:22

125:22

154:3

comfort

13:3

128:4

coming

70:16

172:17

191:2

commenced

14:4

commencing

4:1

comment

5:20

78:3

82:7

86:10

114:11,12

119:23

120:7

132:10

138:10,12

156:6

186:25

commentary

115:15

comments

93:7

156:15

commercial

10:3

143:16

156:7

Commission

2:3

150:23

Commissioner

4:5,12,14

7:4

10:1

11:11,25

12:5

15:3,11,13,15

17:16

20:15

21:14

22:1,12

23:5,9,12

25:23

34:4,24

35:7,10

36:3,8,10,13,16

37:2,5,14,17,22

38:4,15,19,22

39:12,17

40:21

41:11,14,17

42:19,22,24

46:20,24

47:4,9,25

48:5,9,14

53:20,23

54:2,5,15

55:7,11

56:6

57:8,12,17

58:23,25

59:4,10

60:9,11

62:7,12,14,17,23

63:3,8,15,19,21,24

64:3,5,10,15,17,25

65:3,5,11,16

67:2,5

70:8,12,20

72:16,20,22,25

73:2,6,8,10,14,16

74:7

75:10,14,17

77:9

79:18,22,25

80:4,6,22

81:2,5

83:4

84:4,17,21

85:2,11

87:1,8,11,18,21,23,25

88:3,6,18,23

91:10,17

97:22

98:2,6,9,12

102:7

105:9,13,22

106:3,10,23

107:6,10,14,24

108:3,10,17

109:8,10,24

110:1,5,13,16,18

111:9,13,21,25

112:2,5,11

113:14,21,23

114:2,7

115:13,18,24

116:9

117:3,5,9,12

124:4,8,11,13

126:5,7

127:4,5,8,11,21,25

128:6,9,12,16,20

131:2,11,17

134:7

139:25

141:13,16,19

142:3,23

144:8,13,16,19

145:8,13,18,22

146:1,9,14,18,22,25

147:3,10

151:20

152:5,10,12,15,22

153:1,3

159:11,14,25

160:11

169:10,17,20,23

170:3,10,18,21

171:2,7,22,25

172:3,7

173:4

174:21

181:13,17,22

182:4,12,14,17

183:5,8,18,23

184:1,7,12,16,24

185:4,9,19

187:22,25

188:5,10

189:20,22,25

190:3

191:20,24

192:3,5,9

commitment

139:2

177:4

commitments

160:7

172:13,22

175:21

committed

32:20

121:15

communicate

166:21

communicated

166:20

community

163:19

companies

164:2

165:24

166:7

company

8:12

9:1

11:7,8

12:13,14,24

13:22

18:8

59:6

85:25

103:20

120:22

154:9

163:14

166:12,18

comparative

26:23

compare

37:4

50:19

compared

27:13

45:15

70:1

71:8

comparing

68:9,10

comparison

27:7

28:3

35:24

36:24

37:6,7,12

61:19

compete

77:16

competencies

165:1

competency

164:22

competing

77:15

competitive

10:17

competitors

10:18

11:5,8

45:21

complete

18:12

24:7

126:17

187:13

completed

14:17,25

16:14

18:14

25:8

149:6,8

150:17

153:8

completely

76:19

136:8

complex

1:16

44:15

115:15

complicated

32:11

57:10

component

16:18

30:10

compounded

62:1

compounding

63:10

comprehensible

9:9

concede

34:15

concentrated

121:6

concept

59:23

66:20

71:18,18

92:23

114:25

concepts

6:21

concern

9:7

45:23

46:1

concerned

46:23

100:17

124:15

151:9

157:5

concerning

6:7

concerns

133:10,14

concerted

95:21

conclude

25:6

75:6

concluded

161:3

conclusion

75:9

concurred

152:16

concurrence

131:13

conditions

6:15

51:4

conduct

6:18

7:18

conducted

9:22

conferenced

184:11

confiden

165:1

confidentiality

31:10,19

confusing

39:5

conjunction

116:17

connected

165:2

Connections

86:1

consequences

115:7

conservative

151:16,25

152:4,19

consider

18:19

55:12

134:24

152:3,21

considerable

101:22

134:20

consideration

17:17

18:7

considered

163:3

consistent

78:25

79:6

81:19

82:7

101:16

151:17

153:24

constitute

55:12

64:19

constitutes

63:16

construction

129:17,22

131:9

153:10

174:17

176:19

187:1

consultant

104:24

165:21

consultation

163:15

contact

12:4

98:22

162:11

containing

100:19

contemplated

16:8

17:3

contemplation

17:12

content

86:6,11

100:14

105:25

132:24

133:3,11

CONTENTS

3:1

context

28:18

45:4,6

64:23,25

67:24

68:5

92:1

106:21

142:17

146:16

contingency

186:13

continuation

192:13

continue

151:3

160:13

161:23,24,25

continued

7:10

10:14

12:9

14:5

16:4

20:23

22:3,17

23:14

26:3

34:7

35:16

39:20

41:19

43:1

47:19

48:17

50:24

52:16

54:18

55:16

56:11

57:21

59:15

60:15

65:21

67:8

70:23

73:20

74:13

75:20

77:12

80:10

81:11

83:7

85:4,16

89:6

91:19

98:15

99:25

108:19

110:23

111:18

112:13

114:22

116:13

117:15

124:23

126:13

127:14

128:22

131:19

133:25

134:17

140:4

142:12

143:2

147:17

153:6

160:20

171:10

172:10

174:25

186:1

188:12

190:11

continues

165:2

continuing

162:20

contract

97:10

130:18

168:10

contractors

172:13

177:4

contracts

174:17

contractually

96:10

168:8

contradiction

107:20

contrary

164:3

control

149:18

conversation

18:21

19:20,21

20:6,8

21:23

22:7,19

37:6

39:13,14

conversations

20:9,10

22:8

164:24

184:4

185:7

conveys

145:10

cooperatively

95:19

copies

122:13

core

164:22,25

corners

95:11

Corp

163:14

166:17

corporately

8:4

CORP/FIN

132:23

correct

14:5

17:17

18:1

27:19

28:14

29:5

39:25

41:5

42:8

45:18

56:18

63:17,20

64:9

68:17

69:2,22

70:4

75:1

81:3

89:9,10

93:25

96:11

103:4,10

114:2

119:10

129:11

137:11,19

139:6

144:4

145:15

152:6

161:15

173:5

178:24

192:17

corrected

78:20

84:6

141:22

correction

81:22

corrections

141:23

correspondence

24:16,22,24

cost

14:11

17:9

26:6,17,18,24

27:7

28:12,13,17,19

29:2,3

30:8,9

31:1,3,9

32:2,3,18,21

33:3,15,23

34:15,16,25

35:20

37:25

40:1,12,19,22

45:5,7

46:5,10,12,14

47:5

49:11

53:12

54:21

56:14,16,17

62:25

63:16

65:8,24

66:1,13,19,20

68:16,22

74:25

76:5,17,24

78:5,7,21

82:3,10

90:2,22

91:4,8,9,13,14,15,22

92:1,13

costs

37:25

70:1

123:8

cost/revenue

61:9

62:10

Council

67:25

108:1

135:12,14,20,25

136:1,7,19,25

137:3,10

139:10

142:15

143:7,17,25

145:18

149:9,23

151:9,14,14,24

152:8

Councillors

151:24

counsel

2:3

153:16

couple

103:14

157:7

course

59:23

63:10

65:23

70:14

96:21

125:19

150:7

151:6

161:9

175:11

177:12

187:10

Court

2:25

192:22

cover

79:12

coverage

71:21

covered

169:25

171:21

183:22,23

COW

132:10

co-chair

148:24

co-mingled

17:8

created

149:8

creates

10:1

credibility

84:21

credit

40:5,16

67:13

creditworthy

51:3

crisp

39:10

Cross-examination

3:5

4:16

curb-side

163:15

current

24:19

66:23

currently

113:10

customer

8:11

9:2

12:22,25

13:4

19:2,6

26:23

27:7,11

31:8,20

customers

9:8

customer's

115:1

cut

45:25

46:8

cutting

145:9

cycles

157:14

dark

19:3

date

67:12

81:15

112:3

117:17,23

125:3

127:2

149:23

160:14

161:4,5

dates

19:25

155:9

178:22

191:5,9

dating

77:17

Dave

155:11

184:11

185:3

David

3:4

4:8

103:19,25

day

30:13

33:6

103:15

136:4

160:12

175:17

187:10

days

121:13

190:18

DayTimer

111:19

de

177:9

dead

161:13,18

180:23

deadline

176:16

deal

18:17,19

21:13

28:11,11,15,19

29:16,17

30:11,18,20

31:4

38:17

40:23

41:1

44:24

46:4,8

49:10

50:18,20

55:3

59:6

65:18,19

91:13

93:7

96:6,6

97:7

98:2

99:16

102:1,2

114:16,25

118:24

119:20

120:8,10

135:2

140:20

145:9

154:2,10

156:10,14

161:8,18,20

162:23

167:5

168:2,3

169:23,25

170:8

171:1

172:5

175:3,3,16,17

176:11,12

179:17

180:22,23

184:2

185:10

187:9

dealing

37:24

164:11

deals

18:11

20:17

51:8

61:12

93:2

121:6

156:8,9

157:13

179:23

dealt

101:7

deal's

154:11

161:22

debate

125:23

debenture

34:23

43:18,25

68:13

89:9

debentures

34:22

43:9,14

44:20

77:5,16

89:14

92:11,14

debenture's

42:3

debt

17:5,5

21:12

28:13

30:10

31:4

December

150:1

deception

141:11,13

deceptive

9:8,16

decide

95:9

decision

6:7,16

12:16,16

24:14

37:16,18

56:7

57:15

144:24

163:4

180:15

190:17

decisions

39:3

180:9

decks

191:1

decline

140:7

deduction

57:13

deemed

58:5

92:22

define

40:22

defining

78:6

definite

101:9

definition

35:19

40:18

45:12

91:13

definitions

66:2

definitive

173:6

delay

4:5

delivering

188:19

delta

114:1

demand

88:21

demonstrates

70:3

demonstrating

69:2

deny

42:7

department

121:21

154:10,12

157:15

167:17

dependence

113:23

depending

189:7

190:16

depends

52:2,2,3

deployed

166:1

derived

62:18

describe

12:13

42:18

60:18

described

17:16

95:5

167:10

describing

41:3

76:20

78:1

description

17:17

38:4

180:1

descriptions

158:4

descriptive

13:12

designed

56:1

desire

27:3,16

155:3

detail

40:15

55:13,21

detailed

55:8

123:4

132:24

133:9

details

21:17

98:25

113:12

determination

55:22

dialogue

173:2,10

diametric

144:25

diary

128:17,20

182:16

dictate

8:18

die

171:19

difference

39:2

51:24

53:10,17,21,25

54:3

58:6

differences

59:1

different

7:14

10:2,12

11:4

19:13,15

34:25

36:18,19

41:3

45:6

57:2

58:22

59:13

61:15

65:25

68:10

69:7

75:22,24

76:21,25

78:2,17

93:9

103:15

108:24

119:15

121:13

122:12

143:10,13

164:12

174:6

188:9,23

189:8,16

differential

60:20

difficult

32:25

146:5

167:8,9

difficulties

175:13

difficulty

113:16

190:12

diligence

23:3

131:13

diligent

156:14

dim

142:1

direct

40:3

99:8

110:20

160:23

direction

97:24

151:17

directly

45:25

disadvantages

27:12,18

disagree

16:16

25:22

43:11

86:18

92:20

96:6

126:25

130:14,15

132:22

134:6,8

disappearance

150:15

disclose

6:14

9:3

31:8

32:5

disclosed

32:8

disclosing

31:18

discourage

162:15

discuss

9:20

160:2

189:11

discussed

19:9

21:17

23:21

29:13

39:24

71:16,17

123:14

185:22

186:5

discussing

39:7

186:20

190:23

discussion

20:20

23:1

29:20,25

30:23

32:20

33:14

34:3

40:10

67:23

72:7

92:10

101:10

114:10

119:2

129:15

130:3

131:7

133:9,18,19,22

134:2,21

155:15

162:5

166:17

168:1

181:11,15

discussions

14:13

21:5,6,7,7,11,12

29:8,18

30:23

32:19

102:16

104:2,16

116:23

122:6

150:13

162:7,9

166:11

173:18

183:19

184:1

disposal

29:23

dissimilar

15:22

distance

134:20

distinct

76:20

167:13

distinctively

65:25

distraction

51:18

distribution

136:2

disturb

73:9

doable

167:14

Dobbs

136:3

document

5:22

59:18,19

61:20

64:7

68:8

69:24

70:3

73:13,17,22

74:14,21

78:25

79:11,19

80:1

81:6

83:9

87:13

94:4,12

95:12,17

123:9,22,23,25,25

124:1

125:2,15

132:23,24

133:3,8,10,11,19,22

134:2

145:10

documentation

94:2

97:13

104:15

158:13

documented

158:14

documenting

157:24

documents

36:17,18

87:4

94:15

116:16

157:1

doing

11:5

15:6

20:21

55:14

68:2,9

100:14

106:20

142:2

153:11

157:23

165:4,6,10,17

171:18

178:7

190:20

dollar

63:13

done

9:22

14:16

15:7

16:1,18,21

17:19,21

18:3,9

19:19

20:17

21:1,20

23:3,6,8,16,20

25:11

43:16

55:2

70:1

92:2

108:14

110:10

113:6

114:25

118:24

119:20

120:2

122:3

131:13

137:18,23

142:9,9

144:13

154:8

158:23,25

161:25

187:17

doubt

90:4

91:2

106:3

132:25

Douglas

117:19

dovetail

131:23

down

6:4

51:11

53:3

55:3

56:14,25

58:1,3

76:13

78:14

84:22

103:2

112:15,21

129:4,6

131:25

140:1

172:17,21

175:1

186:14,16

188:13

191:2

downing

190:19

downtown

44:15

downward

144:2

draft

122:18

156:5

186:15

drafted

25:7

drafts

149:6

153:22

draw

61:18

72:14

drawing

9:11

131:3

draws

130:19

driven

27:2,15

drop

13:11

ducks

176:20

due

16:24

19:7

23:3

48:7

57:3

91:25

97:16

131:13

158:20

189:13

duplicate

64:11

during

135:19

dust

86:15

EA

148:8

each

22:13,15

25:24

64:11,20

188:22

earlier

11:14

40:8

52:25

57:23

85:24

89:7,8

92:11

101:7

129:15

184:22

early

16:7

21:10

32:19

33:13

71:11

102:16

122:18

130:19

139:2

148:4,6

earn

63:9,13

earnings

121:11

earns

62:1

earth

124:2

easy

34:22

echos

93:22

educated

24:24

25:5

Edward

2:12

ef

11:22

154:11

effect

14:10

39:23

41:1

51:8

60:19

72:2

78:24

92:16

142:17,18

144:16,19

152:7

164:17

173:16

177:4,22

188:17

effective

17:9

42:2

effectively

11:23

13:7

28:24

40:2

49:22

63:6

67:24

77:2

154:11

158:4

164:17

165:12

168:8

176:18

180:19

186:23

efficiencies

17:10

effort

11:2

19:3

30:19

95:21

164:11

174:10

efforts

160:22,23

162:4,25

163:24

164:1

eh

83:20

eight

33:15,18

112:22

eighteen

96:12

eighth

112:22

eighty

66:25,25

67:13

either

15:17,18

18:10

22:14

49:11

65:25

66:2

71:14

72:3

131:13

151:18

162:18

172:23

187:8

190:18

elaborate

67:11

Elaine

2:24

87:4

element

13:13

elements

94:20

eleven

160:5

192:9

elsewhere

71:14

embedded

123:25

embellish

88:1

emphasize

6:23

employment

168:10

en

96:2

encourage

13:8

encouragement

171:8

encouraging

171:1,3

end

29:11

30:13

31:8,8,20

33:5

41:23

47:13

64:16,17

118:4,6,24

119:20

120:4,11

121:5

135:14

154:21,25

156:14

161:5,6,13,18

175:17

181:7

187:10

191:12,13

endeavours

10:3

ended

126:8

153:14

endorse

85:8

energy

11:2

engaged

141:11

enormous

120:2

enough

10:12

12:5,7

14:3

17:18

27:9

28:1

65:15

66:17

69:15

88:2

95:15

98:21

101:15

121:14

132:16

141:3

143:17

144:12

153:4,15

155:10,18

158:22

159:7

167:12

190:21

ensure

79:5

144:7,23

enter

57:17

137:9

187:11

entering

137:6

142:22

entire

92:2

entirely

31:15

78:17

151:16

157:16

175:12

entirety

105:7

entities

163:9

entitled

55:13

106:21

equally

147:12

equation

55:18

equity

11:18

16:9

17:6,10

28:11

31:3

115:2

157:19,23,25

158:12,14

Ernst

55:20

erroneous

141:16

error

78:25

129:14

142:9,14

especially

125:17

essence

118:23

120:25

essentially

65:6

78:12

149:7

153:9,11

157:5

180:11

established

94:6

estimate

125:5

et

13:16

25:21

40:5

52:5

139:5

ethical

7:20

8:10,18

9:6,15,20

10:5

Ethics

5:6,10

6:21

9:12

even

18:14,17

19:19

20:7

24:25

49:17

76:9

102:12

114:24

158:24

162:13

168:8

170:13

176:4

179:24

evening

57:4

event

68:14

81:20

85:5

94:10

110:8

155:19

161:11

events

180:20

eventually

103:14

ever

14:16,21,21,22,24

15:6,16,17

18:17,21

20:16

25:8

37:18

48:18

70:24

71:6

86:19

98:9

109:17

113:3

133:18

143:14

165:18

171:16

every

15:9

18:18

19:3,14,21,24

24:5

63:10

91:13

151:7

everybody

34:24

39:1

121:9,12

160:5

everything

21:13

52:8,10

122:1

everything's

20:6

96:22

176:22

evidence

10:22

21:9

22:22

26:6

28:11

29:7

34:19,21

35:21

36:6

37:7

38:1,9,11,18,23

39:22,22

40:9

41:21

42:6

57:24

76:25

83:9

85:24

86:16

93:16

101:9,10,17,24

103:6

104:21

107:16

108:5

110:15

115:14

122:7,16

123:13

124:13

125:1,3,12

126:21

129:4,16

133:7

134:19

135:19

136:25

137:12

141:10

143:4,24

145:1

147:19,23

151:24

152:7

163:1,2

164:3,14

169:24

170:11,12,16,17

173:3

183:22

184:20

189:17

191:14,15,16

exact

143:21

165:11

exactly

41:3

70:19

88:11,14,15,25

113:15

138:11

146:20

187:11

example

32:23

63:7

97:18

113:10

143:20

exceedingly

93:2

except

82:16

154:16

exception

137:4

138:10

exceptions

77:4

excerpt

84:12

exchange

106:9

exclusively

77:22

execution

94:2

Executive

79:12

80:16

148:3

exercise

12:21

28:2

67:11

161:19

exercised

95:5

exercises

188:23

exhibit

4:17

60:8,9

73:12

82:19

87:3,8

90:12

111:7,14

127:3

140:12

182:24,24

183:4,8,11,12

exist

95:4

existed

98:19

existential

161:19

existing

13:9

93:1

132:18

145:6

exists

93:17

94:8

106:17

142:1

expect

27:11

28:5,9

expectations

6:24

7:13

expecting

164:9

expensive

26:25

175:5,18,23

experience

12:23

13:4,22

15:5

31:15

137:7

experienced

105:1

expertise

13:5

expired

173:7

explicitly

37:4

expressed

65:12

101:11,12

122:9

152:8

expressing

133:14

expression

26:6

31:1

163:20

expressly

152:2

extend

84:25

extended

122:23

174:3

extension

70:15

extent

94:7

95:9

147:24

extra

11:9,12

extremely

114:17,19

ex-accountants

51:15

eyes

164:16

e-mail

154:17

155:1,2,23

face

123:9

124:1

145:16

facetious

48:6

facilities

52:3

123:15

facility

16:2

17:22

24:18

61:1

76:5,6

132:2

fact

21:2

24:13

31:13

44:6

58:5

66:8,25

68:23

71:8

75:3,5

79:16

100:18

103:6

119:25

133:3

134:10

135:4

151:15,16,23

156:13

162:17

164:16

187:12,20

factors

19:15,17

facts

38:25

fair

6:1,10,18

8:5

9:2,3

10:11,20

12:5,7,19,25

13:6,17,23,24

14:2,3,11

16:10

17:12,16,18

27:8,9,14,25

28:1,8

29:21

31:15,23

32:4

44:3

45:2

56:2

65:15

66:16,17

69:15

81:22

83:21

88:2,9

90:4

91:6,7

93:18

94:10

95:15,19

96:9,25

98:20,21

100:22

101:15

102:13,14

104:21

105:5

115:10,11

117:22,25

118:1

119:21,22

121:8,14

129:10

132:14,16

135:6,14,15

137:1

139:8,12

141:1,3,6

142:15

143:16

144:11

149:19

153:4,15

154:8

155:10,18,22

158:22,24

159:7

164:13

167:2,12

170:8

175:14,15

179:12,15

180:16

187:15

188:25

190:20,21

fairly

94:25

133:9

fairness

124:4

false

6:5

78:9

famous

187:5

far

37:23

51:9

71:25

151:8

157:4,5

161:18

162:24

170:24

171:19

180:12

far-reaching

85:13

fashion

12:15

14:10

56:24

68:3

91:20

131:12

135:5

fault

90:8

favour

38:15

fear

128:24

feasiblely

89:13

February

1:24

22:10

23:18,21,23

24:4,12

40:6

102:1,25

111:20

112:4,5

132:22

134:19

135:10,11

136:7

138:5,6

feel

82:13

90:5

fella

103:19,22

felt

157:1

166:12

few

118:18

119:9

fifteen

54:6,8

159:14,18

fifty

57:4

figure

42:23

file

29:12

177:23

179:6

181:9

189:9

fill

56:6

final

149:7,10,14,22

150:2

151:4,9

176:21

finance

5:1

15:7,21

18:19

24:6

26:11

43:6,8

53:22

68:11

75:13

121:15

168:6

financed

44:20

89:13

financial

1:15

2:6

11:23

93:12,24

96:13

97:16

122:13

136:15

145:4,15,20

146:13

153:14

172:22

175:21

financing

1:3

16:1

43:8,9,25

44:1

66:14,14,16

68:10,12

69:24

71:20

74:24

76:25

78:11,20

82:1

104:7

118:9

120:9

123:8

131:9

132:8

173:11,11

174:1,2,8,14,18

175:22

176:20,21

177:6

186:21

financings

77:20

120:15

find

9:13

77:25

79:18

135:3

146:5

160:22

161:25

162:25

164:2

169:24

181:10,17

183:6

finding

167:9

168:16

fine

7:7

98:12

115:21

148:11

151:20

172:7

finish

154:8

160:13

191:25

fire

109:20

firmed

154:11

firms

163:19,20

first

5:9

20:25

63:12

68:14

69:8,13

74:22

76:1,20

82:16

99:20

102:23

103:1,7,12,17

109:14,19

112:21

114:10

119:15,24

122:17

125:1,1

131:3

163:10

179:18

fiscal

116:19

118:25

119:21

120:11,17

121:1,5,18

five

22:5,9

90:23

112:22

123:14

191:25

Flanagan

168:12,14

flavours

30:23

Fleming

2:14

fleshed

139:5

flexibility

93:8,12,17,22,23

94:4,8,12

95:11

flies

51:14

flipping

95:16

flow

92:20,21

113:2,24

131:14

141:3

flow-through

108:13

focus

129:3

focussed

123:14,15

foggiest

158:21

fold

122:25

folks

13:14,16

51:12

52:21

189:11

follow

83:18

88:10,12

105:16

following

85:19

105:20

137:14

176:21

190:18

fool

77:7

foot

17:13

ford

2:18

20:20,25

21:5,18,20

23:1

24:11

29:8

30:17

42:12

43:22

67:24

73:16

89:8

117:19

129:23

133:14

134:20

138:14

141:9,11,22

142:1

143:21

146:2,5,11

147:25

150:23,25

155:8,15

156:15

173:18

178:12

188:17

Ford's

38:1

87:3

117:1,17

foreseeable

178:19

forever

127:3

forget

24:20

forgotten

161:4

163:10

form

86:23

118:10

119:1

129:22

141:11

190:8

forth

6:21

156:8,15

168:4

forward

77:1

118:9

120:9

135:4

136:7

181:2

forwarded

123:24

153:22

found

167:1

founded

52:14

four

26:12

90:23

95:11

112:22

114:16

fourteen

33:23

159:1

fourth

129:1

frame

24:12

41:23

130:25

132:18

148:4,6

155:21,21

178:4,19

179:13

191:14

frank

19:6

frankly

18:18,25

19:9,18,19

24:20

51:15

68:6

115:6

167:7,10,14

173:20

180:7

181:24

182:1

189:6

Fraser

2:7

83:9,11

85:18

88:9

100:5

117:19

154:18

155:8

184:10

Fraser's

86:16

fraudulent

142:2

free

90:5

frequently

157:14

Friedel

42:12

59:21

111:9

112:24

114:9

117:20

122:14

126:15,19

132:14,21

147:19

148:3

149:6

150:23

151:6,15

153:8

Friedel's

111:8,19

112:20

113:5

126:21

127:2

128:19,20

129:4,12

131:22

147:20

150:14

Friend

73:21

88:22

105:5

106:14

from

5:8

9:11

14:7,16

15:23,24

18:22

19:24

20:12

22:22

25:6

26:23

28:10,13,19

29:3,7,14

30:9

31:3,6,9

33:18

35:14

38:9

39:10,24,24

40:3,8,14,23

41:21

43:7

44:25

45:10,16

46:3

47:1,5,14,21

49:1

53:10,10

56:7

62:18,20,25

65:25

76:20,25

86:6,11,24

89:11

91:16

92:13,15,16,19

96:11

100:4,5,11

104:22

113:8

114:10,17

116:15,15

121:2,4,14

123:12

125:1,11,13

130:6

131:5,6,6,14

132:17

136:12

137:13

139:1,3

140:7

142:14

143:21,24

147:21,22

149:11,13,21

150:15,15,15

152:4

153:13

154:17

156:15

158:15

160:24

162:16,22

163:13

164:10

166:16

167:14

176:15

177:1

179:21

180:16

184:21

185:1

186:23

188:23

191:5

front

4:18

30:15,16

135:23

frustration

167:6

full

58:9

168:24

169:3

fully

68:25

69:12,20

160:17

fulsome

179:24

fund

186:13

funded

17:5,6

41:2

funder

28:13,20

29:1,4

30:10

31:3,9

34:17

35:14

39:24

40:3

41:2,5

45:11,12

funders

166:11

funding

76:16

funds

14:11

17:8,9

26:6,17,18,24

27:7

28:12

30:8

31:1

32:2,4,18,21

33:3,15,23

34:15,16,25

35:20

40:1,12,20,22

45:5

46:5,10,12,14

47:5

54:21

62:25

65:24

66:1,13,20

68:16

74:25

76:18,24

78:5,7,21

82:4,11

91:9

92:14

109:16

further

76:13

98:2

fuse

191:6

future

114:11

FYI

118:4

gad

51:14

game

19:2

64:17

115:19

137:8

garage

99:2

102:18,23

103:10

104:8

108:16

109:2,4

119:9

gather

151:1

gave

42:6

57:4

80:12,20

83:9,25

86:5

97:24

122:25

147:19

155:8,9

178:12

179:23

180:2

General

168:7

generally

5:14

6:2

26:15,15

79:7

100:19

154:5

162:9

generate

54:1

generating

124:15,16

generosity

48:23

gentleman's

97:12

gentlemen

4:6

gets

26:4

46:25

55:17

91:14

93:13

122:17

140:6,19

143:11

149:18

151:7

156:5

166:2

186:6,24

getting

12:10

23:20

32:15

45:16

47:23

58:1

121:6

140:5

141:2

146:18,19

154:20

156:4,14

164:10

178:16

ghost

176:4

Gibson

103:19,25

104:3,11,20

105:7,10

106:24

107:4,13

108:12

109:4,14

111:1

Gibson's

106:1,21

give

26:22

27:6

32:12

50:13

69:4

80:13,22

92:15

95:17

107:20,22,25

110:20

118:10,25

123:11

128:4

159:5

171:16

173:6

176:3

179:20

181:9

186:15,15

188:19,21

given

67:6

75:3

116:19

154:6

gives

115:9

174:9

glad

143:19

go

10:12

11:8,12

32:23

38:16,23

41:11

43:3

46:7

53:18

69:9

76:7,13

83:19

87:11

90:5

98:13

108:7,10

112:21

114:15

118:23

120:1

131:17

132:22

161:9

177:20

178:15

180:8,16

184:25

186:14

188:15

189:19

190:7

goes

59:20

69:19

91:14

134:20

137:10

175:18

going

5:8,13

7:5

8:8

17:4

21:12

22:14

29:1

32:1,12,16,22

33:15,22,24

34:9,11

35:24

36:1

37:5

38:6,12,13

39:4

40:23

41:25

46:18

49:12

50:3,13,16

51:18,19

52:22

53:4,4,6

54:5

60:17

65:18

69:25

77:1

82:25

87:2

88:19

91:12

98:25

102:1

105:5,7,24

106:1,21

107:10,25

108:4,15

109:11,14,20,21

115:22

119:25

123:2,4

125:22,24

126:16

128:25

132:23

140:1

143:11

144:9,14,20

146:20

150:7

151:25

152:3,19

156:6,16

157:19,22,24

158:1,3,6,7,9,13,14

159:11

164:23

165:4

167:18

168:24

169:2

170:21

171:3

173:13,16,23

175:4,4,16,18,23

178:1,1

179:15

180:8,12,13,14

181:12

184:16

187:1

188:15,16,21

189:5,7,8,8

190:17,18,19

191:2,7,20,24,25

gone

67:10

68:19

96:21,22

97:3,4

135:4

136:7

good

4:14

23:25,25

27:24

51:11

52:17,21

53:15

96:7

121:23

165:5

166:2

172:23

188:18

goods

107:21

gotten

174:18

govern

5:25

8:18

governed

7:20

governor

7:3

grade

19:25

grading

130:18

172:14

grandfathered

114:13

great

13:14,15

40:15

47:23

91:9

greater

6:24

7:13,21

65:10

greatest

9:24

146:23

grid

49:22,23

50:4

gross

94:15

ground

24:1

128:25

group

15:17

guaranteeing

129:9

Guarantees

139:17

guess

6:4

14:1

15:4

53:25

60:3

72:19

91:24

100:17

115:2

118:3

124:21

135:7

156:22

160:14

163:21

171:15

172:11

183:18

190:12

guessing

125:16

guestimate

125:8

Gulf

102:23

103:2,17

109:14

112:21

114:10

gutting

55:4

guy

154:2

guys

174:10

hairs

77:19

half

38:7

187:25

half-way

112:15

hallmarks

125:6

hand

102:18

131:11

149:22

171:8

hands

168:19

handwriting

82:8

hand-on

156:11

hang

20:24

32:10

128:7

happen

7:15

22:24

147:5

156:17

181:3

191:3

happened

39:2,3

44:6,7

72:23

130:3

133:15

142:5

156:12

161:12

168:14

180:25

happening

51:1

167:19

171:20

180:19

happens

70:10

90:19

97:17

126:3

156:8

happy

57:6,7,8

hard

104:16,18

125:15,16

173:13

harder

186:18

having

33:13

34:16,25

38:24

62:4

113:4,16

124:17

162:22

169:12

177:3

190:13

Hazel

77:17

head

15:23

66:5,9

68:4

70:7,9,11,12,14,15

129:21

132:7

153:23

156:9

157:7

158:4,8

187:11

headed

184:2

heading

112:16

154:14

heads

157:7

171:17

172:4

Health

1:15

hear

32:12

95:15

123:19

124:24

138:18

heard

14:7

22:20

29:10

31:6

37:7

104:22

115:14

116:14

122:7

125:3

133:15

hearing

20:24

174:11

heartfelt

84:25

heat

51:16,21

heck

123:11

Held

1:11,15

hell

108:6

help

13:5

62:8,18

87:5

96:2,19

122:11

125:18

131:15

180:4

181:25

183:5

185:11

helped

96:16

helpful

33:25

34:4

helps

30:24

130:23

her

83:22

84:7

88:10,11

155:9,9

179:13,17,20,23

180:2,4,6,17

181:11

182:24

190:24

hesitate

124:21

Hey

143:23

He'll

169:20

hide

19:2

high

71:2,7

93:2

higher

6:24

7:13,21

47:13

58:7

66:21

him

9:24

10:10

23:5,10,16,19,23

35:7

36:6

39:14

42:22

48:12,15

87:5

95:6

96:2

103:24

105:25

106:15

108:16

109:17

118:3

124:5

126:22,23

133:10,19

134:21,23,23

142:8

149:8

153:13

164:16

166:24

167:14

169:8

174:22,22

182:4

184:5

188:21

hindsight

125:17

history

44:12

96:12

hmm

27:21,21

29:9,9

51:6,6

61:5,5

62:11,11,13,13

71:5,5

74:18,18

90:25,25

100:12,12

125:9,9

136:23,23

148:22,22

155:17,17

172:19,19

179:7,7

190:15,15

Hocking

2:4

hold

147:9

176:14

home

57:6

Honour

65:8

87:20

98:7

145:20

146:7,17

147:7

Honourable

1:11

hook

38:3

45:25

hope

19:4

24:1

56:1,24

hoping

170:16,18

house

153:13

huge

62:19

hundred

26:17

32:1,13,15,22

33:18,18

34:10

35:25

38:8

39:7,23

42:1,2,3

44:23

47:22,23,24

48:19,24

49:1,18

51:25

52:22

53:14

55:4,5,17

56:15,16

57:4,13

58:2,10

59:7,9

62:22

63:14

64:8

67:14,17,20

69:1,11

74:23,25

75:4,23

76:16

78:4,10

82:9

104:17

hurry

118:23

120:1

191:11

hypothetical

50:14,17

idea

157:10

158:21

ideas

23:25

identical

51:5,8

52:7,12

identically

51:3

identified

73:23

74:20

identifying

163:22

idiosyncratic

9:21

illustrative

33:3

immediately

6:12

imperfections

81:21

implementation

148:15,24

implicit

68:24

69:20

implicitly

174:16

important

12:12

50:11

172:25

175:20

180:9

189:4

importantly

123:24

impression

78:19

107:19

142:15

167:13

imprudent

177:3

inability

131:11,12

inaccurate

134:25

inappropriate

177:3

incentive

118:10

119:1,20

121:23

inclination

46:6

inclined

37:21,23

47:20

96:6

included

8:1

57:5

92:3

122:22

123:7

including

22:20

91:3

inconsistent

22:22,25

164:3,23,25

incorrect

137:13

139:8,9

increase

140:7

incremental

26:6,18

28:12,17

29:2

30:8

31:1

32:2,3,18,21

33:3,15,22,23

34:10,12,15,25

35:20

39:23

40:1,12,19,22

43:4,5

45:5,14

46:5,9,12

47:5

54:21

55:5

56:14,17

58:2

62:3,25

65:23

66:1,12,19,20

68:16

74:25

76:17,24

77:1

78:5,7,21

82:3,10

91:9

122:9

indeed

25:8

100:25

102:21

116:15

123:23

150:14

151:14

163:14

178:21

184:3

190:20

indemnification

114:25

indemnify

113:1,18

114:8

independent

89:12

indicated

79:8

89:7

104:6

133:8

173:12,12

178:11

indicating

112:25

indifferent

96:7

indiv

12:23

individual

165:2

industry

6:23

7:12

94:17

97:16

inexperienced

179:9

infer

24:24

141:19

information

6:6,14

8:11,12,19

12:13

24:11,13

37:13

55:9

124:17,18

125:11

144:23

145:11,14

149:1

172:4

informed

144:24

initial

149:2

initiative

150:9

inkling

191:12

inner

55:24

innovative

37:25

inquires

9:18

inquiry

1:5

4:4

9:18

34:14

38:24

54:8,14

105:6

116:2,8

159:18,24

192:12

insist

52:18

inspire

13:3

instance

76:1

instead

107:13

Institute

56:7

instructed

100:11

instruction

154:7

instructional

189:18

instrument

40:4

58:8

60:21

62:1

66:14,16

68:15

69:17

71:12,20

76:6

129:23

187:2

instruments

68:10,12

71:9

93:1

intelligent

6:7

24:14

37:15,18

interest

24:19

25:20

58:6

62:3

63:9,11,13,18,19,21

69:10,20

92:17

97:8,19

124:1

125:2

137:15

160:16

163:21

167:8

interested

12:25

13:21

14:8,12

16:8

51:12

116:20

179:17

190:6

interesting

147:12

interface

150:16

interim

129:16

131:8

132:8

173:10,11,25

174:2

186:21

internal

76:10

78:13,16

92:23

116:20

163:3

internally

49:22

161:21

162:5

166:10

176:4

178:9

interpret

182:5

interpretation

9:12

interrupt

49:23

Intervenors

106:12

interview

169:13,14

interviewed

105:14

intrinsic

94:3

introduce

14:2

introduced

180:21

184:18

introducing

185:23

intuitively

110:6

invest

11:1

64:12

investing

115:2

investor

14:18

16:9

17:11

28:11

115:7

116:21

120:19

157:23,25

158:12

160:22

162:25

164:2

168:16

169:24

175:14

180:13

invite

13:16

invited

42:17

involve

178:2

involved

31:21

103:18

120:14

156:5

157:21

involvement

160:23

involving

185:2

in-house

153:16

irrelevant

120:20

issue

29:10,21

31:20

43:13

46:23

50:9

54:21

80:11

119:16

122:5

124:25

131:10,14

141:6

142:17,21

170:5

174:1

180:11

187:14

issues

116:14

162:10,11

item

6:4

itemized

93:21

iteration

125:2

151:9

IWANS

89:24

i.e

104:24

James

2:3

139:23

160:10

January

24:12

117:18

118:23

120:2

122:17

jargon

93:11

Jerry

185:3

job

5:25,25

44:9

165:4

John

2:18

87:3

146:1,5,11

155:8

Judicial

1:5

4:3

54:7,13

116:1,7

159:17,23

192:11

July

156:20,20

176:2

June

130:4,19

156:23

168:23,25

169:14

170:3,5

172:17

176:1,1,2

junior

189:14,14

just

4:21

5:13,21

6:3

10:12

13:11

15:15

20:15

21:14,15

22:19

25:15,15

29:20

34:22

35:7

36:20

38:17

39:10,17,21,21

41:20

42:22

43:3

46:6

48:9,9,12,21,22

49:9,16,20

50:8,14

51:1,2,16,21

52:7

53:3,5,12,15

54:19

55:6

56:12

58:25

61:1,22

62:4

63:17

68:1

69:5

75:17

78:9,24

81:7

82:17

84:4

89:20

90:6

91:11

92:3,16

93:7,15

96:5,8,24,25

99:18,19

100:2

101:21

102:13

105:4,25

106:10

107:20

109:2,10,11

113:14

120:19

122:5

125:12

126:17

127:4

128:9,25

129:12,13

130:21

131:1,15

132:20,22

135:7

139:1

140:18

142:5

145:14

147:18

149:4

150:18

151:21

152:5

158:3

160:21

161:4,8,9,19

162:7,25

163:1

171:11,22

173:23

174:19

176:18

177:20

180:4,24

181:16,16,25

182:25

184:5

186:24

187:3,3

188:13

190:8,22

Justice

1:11

justify

30:19

Karen

2:8

179:16

184:10,17

185:3,16,23

186:20

189:13,20,23,25

190:6

Karen's

185:23

keel

176:14

keep

49:7

95:21

143:22

157:14

keeps

25:18

182:18

Ken

117:19

kept

30:18

170:13,16,16

key

10:16

30:6

kind

8:18

9:6,15

12:24

13:22

21:1,3

61:15,23

66:13

77:18

79:5

105:24

110:10

168:6

172:4

180:17

189:10

Kindrachuk

103:23

kinds

5:14,24

6:21,22

7:11

8:8

100:19

116:22

179:9

Kirk

2:20

knew

43:10,23

44:1,3,17,19

101:1

135:5,10

136:18

148:9

153:12,14

163:6

170:13

knock

47:21

49:1

knocking

55:3

knocks

48:24

know

4:24,25

5:2

7:2,7,16

10:19,23

11:17,18

12:11,22

13:7,11,12,21

15:18,18

19:11,12,18

20:14

22:6,18

23:24,25

24:1,3

31:21,21

32:3

33:14,17

38:5,6

39:1,13

40:2,13,16

41:23

43:15

44:2,9,10,14,14,21

45:24

46:25

47:22

48:10

49:8,9,10

51:12,13,14,16,17

56:13

62:19

65:12

66:9

67:22

68:3,20

77:3,4,7,9

78:8,9

79:9,10,21,22,23,25

80:8

81:8,18

83:9

84:24,24

86:8,19

87:16

88:18

89:24

91:10

96:12,24

98:7,20

99:1

102:1,13

105:9,15,23

106:8,15,21

108:22

110:9,12,13,19

113:12,15

121:10,23

124:19,19,19,20

125:1,4,5

126:7,14,15

127:21

129:17

134:25

136:7

137:22

138:5

141:20

142:3

144:17,19

145:10

148:3,5,9,10,13

149:6

150:11,19

151:7,7,13,17,22

152:12,22,25

153:1,2,7,16,20

154:3,22

155:4,11

156:12,13,16

160:1

161:11,12,13,22,23

162:16,17

163:1,4

164:18

165:18,20,20,25

166:4,9

168:17

169:19

170:7

171:3,11,11,12,13,14,19

172:14,24

174:6

175:2,6,7

176:1,4,13

177:20

180:1,2,12,21

181:9,14

183:5,21

184:4,17

185:15,18,21

188:17

189:4

190:13,16

191:5

knowing

162:20

knowingly

6:5

knowledge

89:12

105:17

106:4

147:24

155:20

known

100:24

148:14

149:1

152:20

knows

7:7

157:10

175:9

KPMG

149:25

150:5,9

Kreskin

126:15

lack

167:8

175:13

186:7

ladies

4:6

laid

24:16

landfill

54:25

89:25

92:4

language

9:9

10:3,5

21:22

30:8

94:14

large

11:8

13:2

154:11

largesse

49:20

last

21:10

44:16

63:10

72:17

90:12

123:13

140:17

late

125:21

162:14

178:3,17

179:13

later

65:18

103:10

115:19

125:21

126:16

170:6

188:9

latest

16:7

136:6

launched

11:16

law

163:19

laws

114:11

lawyer

158:7

179:9

190:14

lawyers

156:7,10

layed

53:3

laying

190:24

Leanne

85:18

86:16

88:9

100:5

117:19

154:18

184:10

learned

135:14

lease

6:15

15:23

27:3,4,16

28:21,22

32:9

33:7

38:11

45:2,2,13

49:3,11,24

50:10

51:13

52:22

53:6

54:1

55:1,19,22

56:2

57:18

58:7,16

60:20

66:5,9,15

68:4,14

69:16

70:7,9,11,12,14,15

71:4

76:8

94:19

104:14

129:21,21

131:12

132:7

153:23

158:5,5,9,9

187:5,11,12,20

leases

49:22

104:15

157:7

lease/sub

15:23

132:7

leasing

5:1

6:8

7:3

173:13

187:23

least

19:5

27:5

42:12

54:23,25

56:14,15,16

71:13

73:22

102:21

103:15

104:4

137:14

144:10

145:5

146:25

162:22

178:18

leave

49:14

52:23

72:15

led

9:18

133:13

left

107:19

120:6

177:21

legal

6:25

7:14,19,19

31:18

153:16

154:3,10,12

157:15,20,22

158:1

189:14

lengthy

21:7,16

23:1

lent

48:18

less

17:4

34:10

66:21

67:18

88:10,13,16

89:1

119:4

142:17

158:10

lessee's

6:16

lesser

37:25

lesson

53:19

let

10:12,12

12:22

39:10

41:20,20

43:2

48:14,21

50:8

53:3

65:19

78:9

83:8

119:24

145:8

146:16

162:25

163:1

177:20

182:4

185:5

188:13

letter

19:24

25:6,7

98:24

100:3,19

101:23

125:22

126:1,2

161:10,14,15

173:7

letters

99:3,5,7,16

letting

189:3

let's

22:23

38:15

41:11

70:21

72:25

73:2,6

77:7,23

85:10

87:1

98:12

108:7,10

147:11

150:6

169:9

170:24

181:17

182:4

185:4

187:8,16

level

13:3

17:14

131:23

levels

50:17

189:9

life

30:14

97:17,21

163:10,11

like

19:12

25:15,24

34:5

39:12

40:12

45:20

48:11

51:1

68:13

82:25

91:8,9

105:2

106:15

111:20

113:15

124:25

125:8,23

139:24

163:11

188:19

likely

71:11

117:23

154:7

157:17

limited

11:15

116:18

limitless

106:14

line

34:14

38:3,5,7

39:6

51:11

58:8

60:21

66:14

68:12,15,16

69:6,17

71:9,12

118:13

154:8,19

170:7

175:3

187:5

lined

68:11

142:19

lining

175:13

list

13:11

listed

90:2

listen

13:14

17:2

19:1,13

21:1

23:24

143:23,23

171:17

180:6

189:4

literally

128:25

129:5

178:25

little

11:4

12:1

25:24

38:5

63:11

82:13

97:22

113:16

186:18

190:20

loan

58:5

66:15

69:12

129:17,22

loans

104:15

loan's

68:25

local

51:14

lock

138:24

139:20

locked

143:5,10,12

144:1

locking

135:20

139:11,11

long

15:3

21:11

123:18

132:11

137:3

143:22

174:6,14,21

176:14

177:6

187:1

191:5

long-term

43:8,9,25

look

16:17

24:15

67:11

68:3,23

69:5

81:25

83:8

90:19

92:16

128:24

130:16

131:21

158:9,18

181:20

184:13

185:5,10

187:16

looked

161:22

looking

43:6

45:7

46:3

62:8

77:2

85:9

117:10

120:14

127:4

128:18

155:21

170:12,13,16

172:23,24

181:1

191:13

looks

188:6

loop

167:25

lost

14:19

lot

11:13

13:4

19:8

36:3,16,17

38:24

63:12

80:20

81:8

92:5,5,9

121:2

158:1

164:17

189:17

190:8,8

lots

19:15

174:9

191:16

low

58:6

71:2,7

109:16

137:15

138:7,10,12,15,20

lower

71:11

91:23

115:2

143:11,12

lowest

26:16

90:2,22

91:3,8,13,14,15,22

92:1

LTD

2:6

Lucky

42:24,24

lunch

115:22

127:4

lurk

19:3

M

154:9

MacCormack

2:16

machine

83:15

made

15:8

30:13

37:18

43:5

44:18

58:8

68:1

69:17

81:8

85:23

93:21

118:22

119:19

129:14

135:19

144:8,24

151:2

152:18,20

163:3

164:21

177:3

180:10

190:17

main

172:16

maintained

97:10

Majewski

2:12

major

44:16

make

6:5

8:10,24

12:17

25:14,17

38:20

39:3

41:14

50:8,14

53:10,17,20,25

54:3

65:23

68:4

69:9,10

77:8,14

81:1,6

83:19

101:8,21

121:24

144:24

149:24

157:15

160:15

175:21

180:15

makes

20:13

25:18

95:21

132:20

153:3

making

12:15

112:24

145:24

172:13,22

man

109:4

management

100:6,8

Manager

168:7

managers

5:7

managing

153:10

mandate

10:7

164:6

166:4

Manulife

1:15

many

29:22

31:6

90:10

158:25,25

man's

38:18

mapped

178:22

March

24:12

118:4,10

120:3,4,5

121:5

160:8,9,12

margin

28:20

30:19

54:1

margins

31:21

margin's

49:17

Maritime

30:14

97:21

mark

29:4

47:21

51:25

58:3

103:23

market

51:4

64:1

138:1

marketing

20:12

22:7

85:25

161:15

168:13

173:7

188:18

markets

121:11

marking

29:2

56:25

masses

90:4

mat

139:7

matching

71:17,18

material

56:7

57:5,6

60:3

117:1

134:24

137:14

138:19

139:12,24

141:11

142:13,14

179:21

materially

139:8

142:15

143:25

158:5

materials

99:21

math

32:11,24

33:17

101:23

126:2,5

137:18,23

mathematical

62:19

matter

66:16

89:25

132:8

144:17

160:1

163:12

matters

132:6

may

6:16,24,25

7:4,13,14,20

10:3

21:17

27:13,24

31:20

37:19

55:7,14

59:18,18

60:1

61:15

62:4

67:10

80:7

81:5,7

91:1,1

93:7

95:14

96:5,6,8

99:19

101:23

103:13

104:22,22

105:10,11

107:20,20

116:20,20

117:24

118:9,25

119:12

125:4,22

127:10,11

129:8

135:23

136:2,2

138:15

140:25

149:9,22

150:1,7,18

151:10

153:23

154:15,21,22,25

157:2,18

161:10,14

166:20

172:17

183:25

184:4,12

maybe

38:5

52:25

68:19,20,21

78:8

83:5

96:7,9

103:7

104:4,5

119:8,12

140:7

143:15

179:1

185:5

188:10

McCallion

77:17

McCarthy

173:12

187:8,9

McCarthy's

131:14

187:7,9

McDowell

2:6

7:2

9:17

14:19,23

15:2

25:18

34:13,20

35:1,4

36:2,22

37:3,9

42:15

47:14,17

50:21

52:13

55:6

84:5,11,14,16,19

88:12,21

89:1

99:22

105:4,15,23

106:4,6,11,13

107:5,7,15,18

133:21

139:17,21

141:25

142:7

146:20,23

147:2,6

169:4,7,12

174:15

187:16

mean

13:10,25

17:15

25:10

28:5,13

30:9

33:25

44:8,8,9,13

46:18

48:5,7

49:5,6,8,16

53:18

56:2

59:1,16

77:8,18

79:4,7,16,21

85:7

86:19

96:4

97:15

98:8

99:2,10

106:8

107:3

110:9,11

114:1,3,7

120:1,19,22,22

121:8,8,12

124:25

125:14

133:23

137:11

141:5

149:19

151:2,4

157:23

161:9,13

166:3,9

168:5,17

170:5

171:1,14

174:16

176:18

185:23

186:4

188:8

191:6

meaning

39:23

114:1

175:8

means

5:12

77:5

84:24

118:14

125:23

132:11,13,14

181:24

meant

31:2

100:6

174:13

meet

156:18

meeting

13:13

70:19

110:25

112:20

113:3

117:23

127:15,16

129:5,8

130:4

134:18,20

135:12,14,20,24

157:3

161:17

178:7

180:6

181:8

184:9,14,17,21,22

185:16,22

188:15

189:4

190:23

191:8,9

meetings

102:22

103:15,18

178:2

186:2

190:2

Melanie

2:22

member

4:25

memorize

86:22

memorized

86:19

mentioned

176:11

met

103:7,9,12

104:4

156:19

method

37:25

104:19

MFP

2:6

4:25

5:7,8

7:22

10:16

11:1,7,17

12:23

14:9,16

15:5,24

17:6

19:24

23:3,5

24:7

25:7

28:21,22

29:14,23

30:7,13,13,15,18,21

31:1,7

37:24,24

41:6,8

44:24

45:12,13,20

46:4,16,25

47:1,14,20

48:18,22,23

49:4,21

51:24

53:17,25

54:23

55:1

56:25

80:7

86:6,11,12

95:21

96:11,16,21

97:1,2,24

100:2,4

102:2,17,22

103:7

104:7,7,13,23,23

112:16,20,24

113:11,18

115:8

116:17,18,19

119:19

120:18

121:4,24

122:17

123:15,24

129:9

131:7

132:11,17

135:2

137:7,9

150:16

153:16

154:9

155:4

157:6,13

158:16

159:1

161:17,21

164:21

165:21

166:1

169:1,14

170:24

173:9

175:8,9

176:17

177:21,22

187:8,19

188:25

MFP's

27:13

28:20

49:1

53:10

100:7

118:5

120:17

121:13

129:2

145:4

149:13

154:24

163:3

164:8

184:21

188:23

middle

76:14

78:14

middleman

45:25

mid-April

125:20

154:19

mid-point

21:10

130:16

might

29:14

45:17,25

62:7

105:18

117:2

121:23

127:17

179:24

181:3

191:3

Mike

80:3

mile

11:9,12

milestones

154:20

Millennium

148:14

million

64:13

118:15

153:10

186:13

mind

82:23

95:14

136:19

187:14

minds

137:20

161:17

176:16

mine

127:19

minimal

123:19

minimum

142:13

144:11

minute

15:15

48:9,10

52:6

67:2

84:4

106:19

109:10

169:10

minutes

22:5,9,23

54:6,8

159:15,18

192:1

miraculous

126:8

miraculously

75:23

126:3

misapprehension

144:9

misleading

6:5

9:8,16

135:1

138:19

141:15

143:25

misled

136:25

missing

52:24

Mississauga

97:5

103:3

misspoke

94:11

mistake

142:13

mistaken

104:21

misunderstand

9:19

mixed

25:25

mixing

60:22

model

115:2

modelling

161:24

moment

5:12,13

20:15

21:14

39:15

54:20

128:8

136:3

147:18

150:7

160:21

171:19

Monday

160:3,9

192:10,12

money

28:19

29:1,3

30:9,13

31:3,9

38:1

45:16

46:13,25,25

47:1

48:18

63:6

69:9

70:16

180:22

money's

49:12

money-over

180:21

money-over-money

28:19

29:6,16,17

30:20

41:9

44:24

46:4,10

53:13

158:18

month

63:2,10

64:7,12,20

69:11

125:21

monthly

61:1,3,4,23

62:2,24

63:5

64:6

68:24

months

62:22

63:14

64:8

69:1,12

more

12:1

15:19

17:4

36:17

52:22

53:15

54:1

76:16

86:14

88:10,13,15

89:1

92:3

93:8,22

95:17

119:2,3

123:1

125:21

127:2

158:9

166:13

172:22,22

175:4,18,22,22,23

179:24

180:2

188:3

morning

4:14

22:20

89:7

192:12

mortgage

143:14,20

most

121:6

123:7,24

142:8

motivated

113:7,12

120:24

move

9:25

25:24

70:21

78:14

118:9

120:9

138:3

147:11

191:23

moved

153:12

155:19

movement

140:18,19

144:2

moves

138:1

moving

40:13,19

137:25

MRP

51:1

much

27:2

32:20

38:20

55:13

76:12

137:5

155:21

157:9

166:25

182:2,19

188:9

municipal

65:10

municipalities

77:4,20

137:8

municipality

145:3

173:20

must

77:16

152:10

155:20

mutual

93:18

94:8

myself

50:15

65:12

Nairne

2:24

name

103:19,23

163:12

names

13:11

natural

190:22

nature

13:15

17:11

18:23

21:16

30:10

57:23

97:15

135:1

154:5

181:10

189:18

near

103:2

155:5

necessarily

44:12

91:25

189:15

necessary

114:24

144:24

need

5:12

19:18

26:13

62:19

82:18

83:3,8

99:1

122:11,15

132:25

169:10

178:15

needed

154:8

165:12

166:12

needing

81:22

needs

10:19

11:3

negative

163:4

negotiate

53:7

negotiating

129:16

negotiation

96:5

negotiations

53:1

114:20

137:9,10

neighbourhood

42:4

Neil

117:18

neither

70:14

neophyte

18:13,15

neutrality

16:19

never

14:15,15,15,16,17,18,21,25

16:1,13,14,20,22

17:19,20,21

18:10,14,17

19:19,19,20

20:5,7,8,12,12,17,17

21:1,2,20,21

23:6,16,19

24:25

25:7

31:7,21

98:16,17

101:10

102:11

133:18,19,21,22

134:1,2

138:15

143:4

147:4

154:23

157:17

158:23,24

170:7,7,11,24

171:19

nevers

14:20

nevertheless

115:3

new

24:1

96:5

179:6

181:9

191:25

newer

24:6

news

151:19

188:17,19

next

40:23

41:1

45:7,15,16

73:6,12

77:1

90:23

94:1

113:19

118:13,16

179:3

187:4

nexus

161:14

Nine

112:1,2

nomenclature

62:5

non

124:15

non-specific

163:21

normal

176:25

notation

119:6

note

82:7

112:24

113:17

118:3,8

130:6

131:3

186:6,17

noted

92:3

129:13

notes

83:18

84:1

86:21,23

88:11,13

112:20

117:17

127:16,22

128:14,17

129:4

130:13

131:22,23

132:15

148:18,19

177:25

179:1

181:16,20

182:5,18,24

184:6

185:1,11

nothing

59:8

70:6,16

97:23

173:14

187:5,20,23

notice

82:6

notion

44:23

45:5

59:17

notional

58:19

59:5,18,23,25

60:19,25

61:10,11,14

62:5

64:19

65:6

66:13

92:22

notwithstanding

75:7

141:23

160:6

167:8

187:12

Nova

89:25

nowhere

155:4

np

2:7,10,14,16,18

number

14:20

35:25

42:4

62:17,20

66:18,20

68:1

70:10

75:5

87:12

104:16,18

107:23,25

110:11

123:11

124:3

125:5,7,11,15

137:14,22

149:6

numbers

13:11

102:4,5

124:6

126:18

138:6

150:24

numerical

101:11

102:13

oath

99:14

147:6

OBJ

55:6

objection

55:7

objective

56:3,5

objectives

10:21

11:16

12:11

19:8,9

26:11

27:5

30:14,15

44:10

49:5,6

56:20

93:21

184:21

185:22

obligation

9:15

19:5

115:4,9

144:7

145:15,19

146:3,4

obligations

6:25

7:14,19,20

8:8,10

70:17

94:14

144:23

obtained

132:1

obviously

33:6

55:25

71:1

102:10

126:16

140:20

155:18

occasion

103:6

occasions

41:23

45:20

104:6

occurred

22:19

150:16

155:22

October

24:16

25:6

96:21

97:3

98:24

99:18

179:3

off

5:9

13:11

23:17

27:2,15

30:19

32:2,13,16

35:25

38:9

39:7,23

42:1,2,3

44:24

47:22,24,24

48:19,24

49:1,7,19

51:17

56:25

70:15

75:24

82:9

101:13

104:14

119:24

122:9

123:24

155:19

156:5

169:25

170:6,6,14

175:18

offence

118:24

120:1

offense

191:11

offer

12:17

27:25

180:23

offering

27:22,22

Officer

11:24

136:16,20

145:4,15,20

146:13

offices

103:2

offloading

53:12

offside

134:21

off-balance

76:15

oh

17:25

72:18

82:24

100:7,21

107:14

111:23

117:9

120:21

128:8

130:5

133:5

140:11

149:17

155:10

180:1

182:3

187:6

189:21,24

190:1,1

okay

4:6

5:4,5,12,19

6:3,12

7:24

8:1

11:20

13:19

14:14

16:13

22:1,12,18

23:12

25:23

26:8,21

28:18

29:19

30:3,5

31:17

32:7

35:7,7,21,23

39:17

41:11

42:12,21

43:10,23

44:13,19,22

45:4,19

46:3

48:21

49:25

50:13,18,20

51:1,3,5,11,21,24

52:19

54:5,19

55:14

57:22

58:14

59:10,11,16

60:2,24

61:13

63:4,15,24

64:3,25

65:5

66:18

68:18

69:16,23

70:6,20

71:6,24

72:9

73:1,4

74:7,14,16,19

75:14,18

76:10,13,23

78:6,22

79:3

80:6,12

81:17

82:2

83:3,10,16,17,23

85:2,18,20,21,22

86:12,17

87:1,10,21,24

88:5,17,23

89:2,11,16

90:14

91:8,17

92:7,21

93:6,15,20

94:1,7

95:8,9,15

98:12,18

99:17,19

100:24

101:7,20

102:9,10,15,21

103:5,17

104:1,3,10

108:3

110:5

111:3,14

112:11,18

114:18

115:12,23

116:9,10,25

117:16,22

118:2,8,13,21

119:17,23

121:22,22,22

122:4,21

123:2,9

125:3,20

126:4

128:7,16

129:12

130:5,8,9

131:1

132:21,25

133:6,7,13

134:9

135:17

136:10

138:18

139:10,12

141:8

144:5

146:18,22

148:2,12

149:2,5,5,20,21

150:11,12,14

151:20,23

153:15,20

154:1

155:12,13

156:2,22

157:10

159:14,25

160:17

161:3,16

162:13

163:4,8,17,25

164:7

166:14,22

167:1

170:18

171:16,24

172:7,20

175:11,16

176:23

177:1,1,16,25

178:11

179:5,12

180:3

181:5,6

182:3

183:13,17

184:7

185:4,4,15,24

186:4

187:6

190:1

192:3

once

94:2

113:6

114:25

175:17

one

4:21,22

6:12

10:15

12:11

14:7,11,24

16:9

17:25

18:3,10,10,14,14

19:4,14

20:7,17

21:6,20

22:14

23:6,16

24:19,20

25:12

26:4,11,12,16

27:4

29:22

31:7

39:21

43:3

44:13

45:19

49:6

50:17

54:23

56:15,16,18,20

67:14,17,20

68:12,14

69:8,17,19

71:7

73:23

74:19

79:17

80:2,23

81:8

82:21

83:2

86:1,1

89:21,22

90:1,22

91:8

92:25

93:2,7,20,22,23

98:9,16,17,19

99:2,20

102:18,24

112:21

116:14

119:16

122:17,19,19,20,25

124:8

127:1

131:14

138:23

139:18

140:5

143:15

144:22

148:18

153:21

158:23,24

159:5

163:10

167:6,20

171:12,14

173:6

179:1,1

180:14

183:4

185:22,22

186:17

onerous

158:15,16,21

ones

91:3

167:1

185:1

ongoing

164:11

only

8:4

18:13

29:17

34:23

51:23

65:8

70:8

83:2,2

93:17

94:7

95:16

99:3

120:16

125:10

128:3

131:20

150:8

151:14

161:10,14

162:2

176:14

180:22

190:5

Ontario

1:17

onwards

180:19

on-going

97:17

104:2

160:3

162:4

173:3

open

114:20

120:6

135:24

opening

176:9

openly

19:9

operating

27:3,4,16

28:22

33:7

45:2

49:3,11

50:10

51:13

52:21

55:1,18,22

56:2

57:17

58:16

69:16

76:7

104:19

136:19

opinion

131:25

132:3

145:5

opinions

132:17

opportunities

11:14

opportunity

15:25

60:19

61:9

62:9

63:16

65:8

70:1

71:13

76:5

152:2,21

160:2

176:10

opposed

9:1

69:5

140:21

opposite

67:22

145:1

optimistic

23:24

option

46:18

options

26:25

27:13

29:14

174:12,13,13

178:13

180:14

188:20,21,22

189:6,16

oranges

60:23

order

103:13

ordin

177:11

ordinary

177:12

ORG

148:16,17,20,23

149:1,5

organization

4:25

5:6,10

148:14

original

153:16,22

other

5:7

13:16

16:17,19

18:12

22:13,15

25:24

26:25

27:13,24

51:18,20

52:12

53:25

64:11

65:25

71:9

77:19

87:15

95:16

102:19

103:6

104:23

110:19

123:16

142:10

151:25

152:19

153:21

157:25

158:13

160:7

162:20

166:18

167:4

171:12,15

173:6,6,19

178:2

184:4

186:2

others

81:1

95:14

189:3

otherwise

43:6,8

46:14

51:5

52:19

57:1

72:2

115:3

120:19

other's

124:9,11

ourselves

7:22

95:9

out

19:3

24:16

25:16

29:1

41:14

42:23

46:1,8

48:22

49:9

56:6

62:2,14

64:13

68:19

69:9

70:10

77:25

79:18

93:4

96:8,22

102:11

104:17

115:13

121:3

122:23,25

135:3

139:5

142:19

146:8,9

150:1

156:20

163:18,25

164:11

166:19

167:1,2,16,17

171:19

178:22

181:10,17

183:6

190:24

outcome

166:17

outfits

45:20

outset

38:9

39:24

outside

82:21

164:22

outstanding

149:25

150:5,8

over

50:7

58:9

61:4

62:2

63:13

64:6,7

68:25

96:1

100:11

109:11

122:24

157:6

161:20,22

164:15

176:11,14

overall

26:16

own

6:18

7:23

10:18

30:18

38:18

40:18

92:1

116:19

127:16

167:8

owned

132:2

ownership

96:16

125:15

owning

132:2

o'clock

115:24

160:5,11,13

192:10

pace

172:22

package

59:20

page

3:2

5:5

8:9

60:13,13

62:9

74:22

87:11

90:15

93:8

105:8

111:20

112:15

130:15,16

186:17

pages

36:18

57:4

186:17

paid

123:18

130:19

pain

99:10

pair

82:15

Paliare

2:10

paper

4:21

65:3,16

paragraph

74:23

75:6

76:14

78:15

parallel

51:8

pardon

94:19

park

1:3,15

51:1

71:19

102:18

103:8

119:9

131:16

148:14

173:16

176:18

parking

24:18

99:2

102:18,23

103:10

104:8

108:15

109:1,4

119:8

part

8:7

12:18,21

24:14

26:21

27:1,5,10

31:22

44:8

55:18

56:3,4,13

58:19

59:6,20

60:16

72:7

79:15,17

92:24

135:25

158:1

163:24

participant

17:5,6

particular

7:1

8:9

11:21

13:5,20

21:1

29:25

31:14

38:5

58:1

60:17

65:22

80:2

121:1

123:6

129:10

135:18,21

137:4

147:21

154:4

particularly

165:5

parties

94:9

95:18

96:5

partnership

76:2

parts

73:22

party

156:3

162:19

Paul

2:15,21

PAUSE

4:10

5:17

60:5

72:11

74:4,9

89:4,18

90:17

101:5

111:5,11,16

112:9

130:11

134:15

140:15

147:15

159:9

177:18

182:10,21

183:1

185:13

191:18

pay

53:4

123:18

131:15

187:1

payment

40:4

60:20,21

61:2

62:24

63:11,12

68:24

69:25

94:15

115:4,9

payments

58:7,7

69:10

71:1,11

115:1

Pelech

14:7

16:25

17:2

40:15,21

41:24

42:7

104:5,5,5,24

109:20,21

161:1,24

162:10,11,20

163:14,18

164:15,24

166:21

167:5

171:5,5

176:10

Pelech's

101:9

158:3

170:12,15

penalty

93:12,24

94:17

people

6:23

7:12

13:13

22:7

23:25

27:25

28:5

36:19

43:4

52:13

107:18

110:25

117:23

121:2

163:9

178:3

179:2

percent

17:4,6

32:22

42:5

47:1,2,6,15,21,24

49:12

61:10

62:1,12

63:22,24

64:13

68:15

69:1

97:19

104:8

109:16

124:15

125:3

137:15

180:7

percentage

63:25

performance

71:19

95:22

performs

96:2

perhaps

11:4

103:9

189:3

period

54:25

92:17

102:16

121:11

154:24

permit

160:5

person

9:10

39:6

148:24

154:3

188:18

personally

6:10,17

7:17

8:4

12:23

98:10

perspective

15:25

20:13

26:24

38:10

40:14

43:7

45:1

46:4

49:1

53:10

62:25

91:16

92:14,20,21

96:11

113:9

121:5,14

132:17

136:12

137:13

139:2

149:12,13,21

160:25

176:15

177:2

184:22

188:24

Pete's

46:19

phone

107:23,25

phrase

65:23

picking

177:23

picture

96:22

123:1

piece

63:18

65:3,16

158:14

173:4

pieces

173:11

pile

73:13

pipe

191:2

Pitre

14:5,15

41:25

42:7

80:12,23,25

100:11

place

7:1

31:12

93:1

102:17

131:4

133:18

142:14

145:5

151:4

162:13,16

177:7

187:2,25

places

26:9

plan

122:13

148:25

149:2,5,7,8,10,14,16,19,22

150:2,18

151:3,4,7,8

152:1

153:9,13

157:18

play

19:16,17

167:10

188:8

played

146:8

173:17

player

17:7

21:6

180:22

players

157:12,25

164:12

plays

146:9

please

4:4,6

19:25

54:14,16

87:5

111:22

115:25

116:8,9

159:24,25

pleased

151:15

plus

28:20

29:4

point

7:5

10:6,12

12:4

15:5

16:11

24:8

29:3

34:2

37:12

38:7

39:10,21

43:24

45:24

46:13,25

48:10

52:24

53:1

59:13

64:2

66:21

70:18,19

75:5

86:13,23

90:22

98:22

101:25

105:16

106:24

112:23

115:13

119:13,15

121:3

122:10

123:23

127:2

128:5

129:2,16

132:10

135:2,8,23

136:24

137:18

138:6,16

140:17

141:4,12

144:8,21

145:23

147:1

148:4

150:11

154:2,19

155:19

157:18

158:7

161:16

162:11

169:14

172:12

178:17

180:22

186:6

187:4,23

points

26:18

32:2

35:25

38:9

39:7

52:1

55:4

56:15,17

57:14

58:2,10

59:7,9

67:1

74:24,25

75:24

76:17

78:4,11

82:10

90:21

104:18

112:19

118:18

119:9

120:13

138:22

political

51:16,21

portion

17:5

28:13

31:4

63:19,21

92:4

position

103:24

106:15

116:20

125:16

164:10

169:15

positive

170:8,25,25

possibility

106:17

142:1

163:20

possible

142:8

possibly

103:11

155:3

posted

191:7

post-September

93:16

potential

26:25

45:21

116:17

131:8,11

164:12

173:11

178:18

potentially

174:3

176:9

powder

108:5

PowerPoint

26:10

83:15

precise

31:21

108:14

165:9

precisely

135:5

prepare

178:9

prepared

11:1

79:19,24,25

82:21

84:17

85:25

122:14

123:23,25

preparing

181:8

prepayment

94:13,23

present

117:18

169:13

presentation

26:22

27:6

69:5

77:8,14,14

79:4

80:12,14

81:1,6

82:20

83:12,15,25

85:8,25

86:6

87:15

92:11

134:22

135:19

181:11

presentations

26:5

80:20

81:9

84:8

93:10,21

presented

59:19

91:3

presenting

48:11

President

103:20

presumably

77:4

98:19

156:6

presume

184:18

pretty

17:1

20:18

41:22

85:13

96:25

157:9

prevailing

25:20

previously

81:1

pre-pay

94:13

price

49:13

53:7

prices

121:12

pricing

49:22

pride

7:22

principals

103:17

principle

62:2

print

122:23

prior

18:11

29:19,25

57:24

116:15

125:1

156:22

171:17

191:10

priorities

51:18

private

34:16

105:17

106:4

privy

55:24

150:12

183:19

pro

57:24

probably

10:5

73:3

89:8

104:5

165:19

170:13

190:7

problem

10:2

22:4

31:18

33:2

34:14

35:23

49:10

62:5

68:7

74:22

96:20

106:2,14

115:8

124:24

136:10

141:8

162:21

problems

73:23

74:19

96:13,17

proceeded

168:18

proceeding

35:5

51:8

172:21

process

14:4

23:3

32:19

33:13

137:3,4

172:12

produce

105:6,14

professionalism

7:25

profile

40:3

58:5

71:1,2,8

profit

120:24

project

43:6,20

44:15,16

89:9,13

153:10

projects

43:8

102:17

prom

186:17

properly

34:15

proposal

15:23

24:17

27:13

proposed

26:24

proposing

20:7

proposition

11:1

94:1

prospect

175:22

191:3

protected

140:7

protocol

145:7

provide

8:19

104:7,14

119:19

provided

145:14

172:3

provides

47:1

76:15

providing

37:25

120:18

provision

109:16

provisions

5:23

public

105:6

135:25

160:1

publicly

136:1

publicly-traded

120:22

public/private

76:1

publishes

121:9

punishing

95:1,2,5

purpose

6:22

7:11

26:22

27:1,6

28:2

69:4

87:2

150:4

pursue

105:5

pursuing

138:9

176:25

pushed

83:19

put

20:11

24:21

25:12

41:20

47:25

51:19

53:16

54:23

61:25,25

63:6

64:12

84:6

102:2

104:17

105:25

127:2

142:16

146:16

150:6

163:18,24

165:7

170:24

187:8

188:16

189:5

putting

67:24,25

104:16

105:18

142:8

p.m

116:2,4,5

159:20,21

192:15

qualification

45:1

qualified

169:5

qualifiers

56:18

qualifying

11:14

qualitatively

174:6

quantity

119:3,3

quarrel

84:2

85:6

quarterly

121:9,21

quest

112:14

129:1

question

5:21

7:6,8

10:9

11:25

15:11,13,16

17:24

19:4

20:3,4,5,16

21:15

29:11

31:4

34:5,8

36:23

37:20

48:15

49:15

55:12,13,25

56:23

57:9,25

59:1

73:7

79:21

83:3,5

84:6

85:14

87:23

88:10

89:20

93:19

100:1,17

109:7,11

110:2

118:21

123:5,10,21

124:2,17

135:7

145:9

169:25

171:23

172:11

174:12,16,20

175:2

185:6,6,10

188:14

questioning

38:6,8

39:6

questions

18:24

22:13,14

48:12

74:17

123:2,5

132:24

quite

20:16

23:7

27:24

34:22

55:8

65:25

105:25

156:14

188:5

quotas

121:16

Q.C

2:3

raised

173:18

ran

83:15

range

102:3

109:16

137:15

rate

25:20

32:9

34:23

35:14

36:7

38:11

39:24

40:2,22

44:24

45:10

46:8

50:9

55:4

56:25

58:6

66:16,22,24

67:6,12,25

68:24

69:10,20

76:11

78:13,16

92:17,23

109:16

119:1

124:1

125:2

129:2,9,10

131:4,7

138:24

140:19,19

143:3,4,12

144:1

rates

24:19

93:2

101:10

122:6

123:7,7

135:20

137:15

138:3

139:11,11,25

140:18

rather

58:4

142:1

ratified

137:10

rating

40:16

rationale

49:1

72:4

re

80:13

170:25

176:19

reach

77:14

82:19

86:24

89:21

93:22

react

180:15

read

5:19

95:8

118:19

120:7

reader

24:24

25:6

75:3,9

reading

113:16

144:1

ready

173:17

real

50:21

51:12

68:6

71:14

138:4

175:22

178:18,18

191:2

realise

125:19

realistic

53:5

reality

33:4

36:23

realized

169:14

really

10:8,19

11:2

20:16

34:5

52:2,2

66:15

71:20

114:24

119:25

148:20

156:10,11

190:5

reappears

93:9

reason

23:22

25:18

49:18

54:22

59:17

78:19

84:2

85:6

90:4

91:2

114:23

130:14

187:19

189:13

reasonable

75:3,9

114:4

138:17

reasonably

24:23

25:5

178:19

reasons

54:23

167:6

191:16

reassessment

113:11

rec

44:15

81:15

recall

59:25

67:22

73:21

80:3

83:22

85:24

93:11

103:11

104:16

114:10

128:14

135:18,21

148:12

152:6,7

154:18

155:1,2,2

recalled

124:5

receipt

133:8

receive

142:15

received

149:23

155:14

170:25

191:5

recess

160:8

192:3,9

recessed

54:8

159:18

recessing

54:10

116:4

159:20

reciprocity

105:24

recognize

81:21

147:3

recognized

146:25

recollect

26:8

67:9

93:20

94:20

113:3

118:22

178:6

recollection

29:25

84:6

85:1

117:24

122:16

130:1

record

35:13

135:25

160:1

recording

184:22

recreation

115:15

148:14

recreational

16:1

17:21

44:16

reducing

14:10

reduction

17:9

59:7

refer

82:25

91:3

127:19

reference

13:1,2,8

26:17

34:16

44:18

65:23

74:23

90:15

118:5

126:1

128:4

130:25

131:25

132:18

137:15

140:18

179:21

180:2

references

131:24

referred

66:1

89:24

92:13

127:17

154:17

188:22

referring

81:8

87:3

113:5

128:3

refers

119:13

reflecting

135:1

reflection

40:3

refreshing

184:5

regarding

174:13

regardless

51:20

91:1

158:10

region

43:16,16

register

55:7

Registrar

2:24

4:3

54:7,13

116:1,7

159:17,23

192:11

regula

25:20

regular

176:19

regulations

24:19

25:13,19,21

26:1

reinvestment

58:6,20

59:5,18,24

60:1,20,25

61:10,11,14

62:6

64:20

65:6

71:14,15,25

76:4

92:4,22

relate

55:14

132:6

related

66:2

92:1

119:2

124:14,14

relates

66:4

72:18

93:1

relating

66:10,19

relation

24:17

59:22

102:23

129:21

131:8

147:22

158:1

162:10

relationship

101:3

relative

26:25

relatively

179:8,8

relevant

6:14

8:9,11,19

12:22

18:6

19:18

120:21

144:23

172:21

175:20

remain

46:10

52:19

remains

46:5

remarkably

125:8

remember

26:12,19

35:4

59:20,24

74:14,17

82:20

83:20

93:13

99:15,18

103:23,24,25

104:10,13

115:19

119:5

122:12,22,24

148:16

152:15

153:17

154:16

159:6

remembers

104:8

remind

115:20

removed

150:24

renegotiate

93:18

94:9

repayment

70:17

repeat

7:8

repeated

41:22

45:20

replicate

108:15

109:15,22

report

5:5

67:25

121:11

134:25

136:7

137:5,13

138:19

139:16

141:7

142:18,18

143:3,24

144:1

149:25

150:5,9

168:7

170:8

Reporter

2:25

192:22

reports

135:24

166:16

representative

12:12

representatives

104:24

represented

11:23

136:15

require

21:16,19

requirements

57:15

resolution

137:5,6,8

142:21

resources

11:15,19

71:14

72:2

166:1

respect

9:24

19:7

48:8

49:21

57:3

91:25

97:16

106:14

115:15

129:8

134:25

138:20

146:24

158:20

168:5

189:13

respects

16:24

51:5

52:12

134:24

respond

10:9

58:25

180:16

responded

18:25

152:13

response

143:21

171:1,3

responsibility

145:3

responsible

79:4

136:19

148:25

rest

32:15

131:22

result

103:14

137:9

150:17

188:23

results

121:10

resume

160:8,12

resumed

3:4

4:4,8

54:14

116:8

159:24

resuming

54:11

116:5

159:21

160:3

RETIRES

192:7

retroactive

114:14

return

76:11

78:13,16

92:23

revenue

114:17

121:1

124:14,16

review

5:13

55:21

152:3

reviewed

73:22

123:22

133:10

reviewing

74:21

revise

86:15

revisit

113:9

re-deploy

71:13

72:2

re-plow

128:25

Richard

2:11

3:6

4:13,16

7:10

10:11,14

11:20

12:9

14:21,24

16:4

20:23

21:25

22:3,17

23:14

26:3

34:7,18

35:2,9,12,16

36:5,9,12,14,20

37:11,15,19

38:2,12,17,20

39:9,15,20

40:24

41:7,10,13,16,19

42:17,21

43:1

46:22

47:3,7,11,16,19

48:3,13,17

50:22,24

52:16

54:18

55:16

56:11

57:21

59:11,15

60:10,12,15

65:15,17,21

67:8

70:11,13,23

72:24

73:1,5,8,11,15,20

74:13

75:16,18,20

77:12

79:20,23

80:10,24

81:11

83:7

84:9,13,15,23

85:4,12,16

88:5,8,17,20,24

89:2,6

91:11,19

98:1,15

99:23,25

105:11,21

106:2,8,12

107:3,9,12,16,22

108:2,8,11,19

109:9

110:8,14,23

111:18,23

112:1,4,7,13

113:20,22,25

114:3,18,22

115:16,23

116:11,13

117:4,7,11,15

124:7,9,12,23

126:10,13

127:6,9,12,14,23

128:2,7,11,13,19,22

131:5,19

133:25

134:9,12,17

139:19

140:4

141:15,17,21

142:4,12

143:2

144:11,15,18,21

147:8,13,17

151:23

152:9,11,14,16,24

153:2,4,6

159:13,16

160:18,20

169:6,8,18,22

170:1,4,15,20,23

171:4,10

172:2,10

174:25

181:14,18,23

182:1,6,8,15,23

183:3,7,11,15,21,25

184:3,8,15,19,25

185:8,17,20

186:1

187:18,24

188:2,7,12

190:5,11

191:22

192:2,4

right

12:2

13:3,10

14:23

18:2

19:4,5,11

20:24

22:23

23:22

24:10

25:4

26:18

27:20

28:23

29:5,24

31:11,25

33:1,20

34:20

35:1,18

38:16

39:9,24

40:8

41:4,10,13

42:10,21

43:12,19,21

45:15,17,21,23

46:1,8

47:9

48:13

50:5

51:23

54:22

56:8

59:24

60:12

61:8

63:23

64:8,14

65:11

66:14,22

67:18

68:15

69:1,14

71:2,22

72:4,6

75:2,16

77:3,23

79:6

80:25

82:5

84:14,19,20,22

86:4

88:8,15,20

92:23

93:5,6

94:18,21,24

95:23,25

96:4,14,18,20,20

97:8

98:24

101:18,21

102:6,19

104:20,25

105:3

106:18

108:11

109:5,6

110:11

111:1

112:7

115:5

116:22

119:7

120:7,16

121:8,19

122:4,4

123:9

125:16

126:3

127:1

134:1

135:22

136:8,18,21,22

137:16,17,23

138:25

139:4,21,22

140:2,5,9

147:2,10,13,23

148:2,19

149:11

150:3,22

151:1,11,13

153:15

154:13

155:6,7

157:4,16

161:1

162:21

165:13,15,22

166:23

167:4,22,24

168:9,14,22

169:17,20

170:20

173:15

174:19

175:5

177:23

178:4,9,19,23

179:19,22

182:18

184:24

186:19

187:11,21

188:24

190:14

rightly

86:20

146:8

right-hand

112:14

rigueur

177:9

RIM

1:3,15

71:19

risk

53:11

129:2,9

131:4,7

risks

40:5

road

185:10

Robert

2:14

Roberts

182:23

183:13,19

Robinson

153:17

156:4,18,20

157:3,6,17

Robinson's

177:21

Robson

3:4

4:6,8,14,24

10:15

22:4

30:25

32:11

33:11

41:4

54:15

68:7

77:8,13

81:1

114:5

116:9

128:4

131:6,21

141:22

145:8

153:18

159:25

169:5

171:5

180:24

183:20

188:14,16

Robsonville

50:22,25

51:3,12

52:14,17,21

53:16

Robson's

181:18

role

147:20,21

168:15

rolling

25:15

rookie

18:16,20

room

110:25

round

125:5

row

176:21

RP's

92:3

RRSP

25:15

ruling

114:17

run

174:9

running

154:2

R.C

1:11

sake

46:19

51:2

salesman

170:19

salesperson

165:11

same

41:1,3

46:5,11

52:10,19

55:2

56:23

75:4,6,7

76:21,22

78:1,15

91:20

105:8

126:17

128:25

132:10

139:20

143:10

158:10

Sandy

184:10

satisfied

187:19

satisfy

13:12

satisfying

57:15

save

61:24

69:25

saving

60:19

63:1,5

64:12

savings

58:1,9,19

61:1,4,4

63:13

64:6

65:6

saw

10:16

59:17

80:13

86:24

98:16

100:15

119:5

133:18,21

134:2

saying

8:22

13:4,13

25:18

34:18

35:4

40:25

47:6

55:12

64:19

68:18

69:23

70:21

85:17

102:12

104:13

106:15,22

113:4

132:3

138:10

142:25

143:9,23

161:20

166:18

169:11

171:17

says

26:10

39:1

42:19

47:4

65:16

77:10

80:12

82:8,14

83:17,25

85:5,21

87:12

88:3

93:23

106:25

108:17

118:16

120:8

129:2

132:21

141:22

142:22

149:4,5

151:6

155:8

163:8,23

165:3

169:19

186:8,12

scenario

68:19

schedule

72:15,19

115:1

160:3,4,17

scheduled

178:7

school

20:1

Schweizer

2:22

Scotia

89:25

Searching

139:16

seat

4:6

seated

4:4

54:14

116:8

159:24

sec

105:4

second

32:10

55:6

60:13

78:2

90:21

101:20

109:11

119:12

130:15

138:23

150:9

174:15

secondly

28:18

163:8,13

secrecy

38:25

see

8:9,16

16:16

19:17

22:4

24:16

35:8,10

41:11

57:22

61:3,6

65:22

68:19

75:25

80:11

85:11

87:5

90:21

98:9

112:15,16

117:16,17,20

118:2,11

120:25

130:20

145:10

163:1,25

177:2

184:6

185:11

seek

19:2

seem

121:10

190:22

seems

34:15

119:11,15,16

seen

80:25

116:15

135:5

136:2

177:14,25

181:15

self-defining

46:17

sell

165:12

selling

13:1,2,8

sells

9:20

send

51:15

157:6

sending

184:5

sends

156:5

Senior

168:13

sense

8:24

13:25

20:13

25:14,17,18

26:23

38:21

41:14

55:3

64:11

65:10

68:1,4

69:4

91:21

132:20

134:21

137:14

138:20

149:24

151:2

157:15

161:23

sent

100:3,20

136:3

separate

158:8

September

21:11

23:1,11

29:8,18

30:1,7,25

67:10,25

94:3

99:19

121:4

156:11,17

162:2

171:17

172:1

173:5,17

174:3

175:24,25

176:4,17

178:8,12,25

180:7,19,20

181:1,2,5,8

184:13,14,21

186:23,24,24

187:12

188:4,15

189:5

190:17

191:4,7,8,8,10,13

series

93:13

112:18

122:12

154:20

180:20,20

serve

87:2

Services

2:6

servicing

97:10

set

19:3

158:13

183:4

184:21

setting

10:21

56:21

seven

112:22

124:10,11

Seventeen

73:25

seventy-two

62:22

63:14

64:8

69:1,11

several

102:22

share

121:12

sheer

92:17

sheet

49:7

51:17,20

53:16

76:15

82:9

96:8

104:11

132:4

sheets

104:14

shock

151:4

shop

36:24

37:13

shopping

28:3

35:24

37:6,8

short

9:20

174:22

shorter

155:21

shortly

157:2

showing

68:2

shown

64:6,6

shrinking

176:7

shuffling

65:19

sic

168:7

side

112:14

153:13,14

189:14,15

signed

140:20

significance

44:23,25

120:17

161:14

significant

94:17

106:4

141:6

161:10

signing

174:16

Sills

1:11

similar

13:15

15:8,22

115:14

179:23

similarly

30:20

91:24

simple

15:18

20:16

50:16

69:6

98:6

143:22

175:5

simplifying

51:7

52:11

69:18

simplistic

68:3

simply

12:1

13:11

29:20

56:25

64:7

67:16

76:20

78:9

91:22

95:18

96:5

100:2

121:23

126:1,17

128:4

129:7,13

131:8

141:4

144:21

149:4

157:6

161:19

163:24

170:25

172:24

simultaneously

51:2

since

77:17

single

12:3

19:4

74:23

98:22

162:11

sinker

38:3

sir

5:2,3,10

6:11,19

7:16

8:3,6,16

9:15

11:21

14:14

16:6

18:5,9,16

19:1,5,12

20:2,3

21:4,24,24

22:19,25

24:5,15

25:21,22

26:4,7,20

31:16,24

35:13

36:15,21

37:12,20

41:21

43:21

45:11

46:18

50:12

51:10

52:7

56:9

62:16

66:8,10

74:11

80:8

86:3,22

88:9

93:14

96:23,24

97:14

99:16

100:1

101:19

116:24,25

122:11

123:17,20

128:2

133:20

136:10,18

137:12,23

138:4

139:24

141:4,10

143:3,15

144:5

145:2,12

147:9

149:6

153:19

154:16

155:13

158:20

160:10

165:22,23

166:2

170:8

172:12,15,20

173:22

175:1,19

176:7,13

177:5,24

182:7,18

sit

160:7

162:22

sitting

85:18

107:18

160:6

situation

70:25

six

90:23,23

112:22

126:16

sleet

160:5

slide

26:10

60:17

62:21

65:22

66:4,11,12

90:3

slides

83:19

89:22

90:21,24

91:2

93:13

slightly

93:9

small

11:8

154:12

snow

160:5

software

113:12

sold

30:18

solidifying

142:25

solving

96:13

some

11:5

13:14

15:20

16:17

17:5

25:2

26:23

27:23,24,24

35:24

39:3

41:14

42:4

44:23

45:24

48:22

49:20

51:14

62:14

65:18,19

66:13,20

71:8

74:16

77:4,6,10

78:19

93:1

94:12,13,15

101:13,22

102:4,5

105:17,19,24

115:6

118:10,25

119:18

125:11

128:4

131:8,23

132:18

134:20,25

141:5,5,5,11

142:10

148:17,19

154:6

155:14,19

160:25

161:5,17

163:20

164:11

179:20

180:9

188:17

somebody

115:8

125:11

162:1,3

163:11,12,13

164:19

167:10

somehow

75:22,23

107:19

119:19

120:11

131:8

150:23

someone

145:4

165:12

something

6:9

9:1,25

10:10

18:6,22

32:13,14,15

40:18

42:4,22

59:5

63:5

68:11

76:19

78:16

102:10

105:2

121:2

138:20

147:11

150:11

152:1,17,19

157:20

164:22

165:5

177:14

191:20,25

sometimes

26:17

somewhat

19:6

67:10

115:2

somewhere

51:11

103:2

119:6

soon

8:11,19

sorry

4:23

8:14

9:17

12:7

15:14

17:25

29:15

52:21

56:15

60:13

66:11

67:10

71:23

73:24,24

74:1,2,6

87:6

90:11

92:25

94:11,12,19

100:7

108:21

111:23

117:10,10

133:21

134:7

151:22

162:2,3

166:20

173:21

177:10

180:24

181:5

183:10

188:17

189:21,24

sort

48:22

49:20

64:11

68:13

76:10

93:8

101:7

131:23

136:21

140:24

154:1

163:15,18,19

165:25

sorts

8:9

19:13

84:7

sound

125:8

source

79:10

so-called

82:19

speak

10:4

97:13

125:6

150:15

167:17

168:1

speaking

25:11

83:18

84:1

86:21,23

88:11,13

100:19

154:5

176:17

speaks

24:22

specific

5:22

10:10

17:25

20:18

79:11,11

117:24

125:8

specifically

5:11

6:3

59:22

69:18

79:10

90:1

124:20

173:4

specifics

103:12

178:2

speculate

126:20

speed

179:13

spend

11:13

57:7

spending

12:10

spent

101:21

spit

62:2

split

77:19

spoke

57:23

137:6

163:9,13

166:18

spoken

129:5

164:2

Sports

1:16

spread

27:16

30:20,21

50:5

67:13

122:9

126:1,5

spreads

101:13

104:17

140:21

spreadsheet

123:19

spreadsheets

122:13,23

123:6

squarely

41:21

st

67:16

Stacey

2:4

stack

4:18,19

staff

105:14

stage

37:24

115:19

137:8

stand

20:11

76:5

84:5

99:12

standard

77:15

stands

54:8

116:2

159:18

192:12

start

25:25

90:20

160:4

started

35:3

starting

25:23

70:9

154:19

state

73:9

188:8

statement

44:3

78:9

statements

6:6

48:11

status

168:3,18

179:14

stay

97:7

Steffler

59:21

Stephenson

2:11

3:6

4:12,13,16

7:10

10:11,14

11:20

12:9

14:21,24

16:4

18:18

19:7,22

20:13,23

21:25

22:3,17

23:14

25:3,13

26:3

34:7,14,18

35:2,9,12,16

36:5,9,12,14,20

37:11,15,19

38:2,12,17,20

39:9,15,20

40:7,24

41:7,10,13,16,19

42:17,21

43:1

46:22

47:3,7,11,16,19

48:3,13,17

50:22,24

52:16

53:2

54:18

55:16

56:11

57:3,21

59:11,15

60:10,12,15

64:18

65:13,15,17,21

67:8

70:11,13,23

72:24

73:1,5,8,11,15,20

74:13

75:16,18,20

77:12

79:20,23

80:10,24

81:11

83:7

84:9,13,15,23

85:4,7,12,16

87:14

88:4,5,8,17,20,24

89:2,6

91:11,19

97:18,23

98:1,15

99:23,25

105:11,17,21

106:2,7,8,12,17,25,25

107:3,9,12,13,16,22

108:2,8,11,19

109:9,13

110:8,14,23

111:18,23

112:1,4,7,13

113:20,22,25

114:3,18,22

115:16,23

116:10,11,13

117:4,7,11,15

124:7,9,12,23

125:18

126:10,13

127:6,9,12,14,23

128:2,7,11,13,19,22

130:14

131:5,19

133:25

134:9,12,17

137:24

139:19

140:4

141:15,17,21

142:4,12,17

143:2

144:11,15,18,21

145:23

147:8,13,17

151:23

152:9,11,14,16,24

153:2,4,6

159:13,16

160:18,20

169:6,8,18,22

170:1,4,15,20,23

171:4,10

172:2,10

174:3,25

181:14,18,23

182:1,6,8,15,23

183:3,7,11,15,21,25

184:3,8,15,19,25

185:8,17,20

186:1,7

187:18,24

188:2,7,12

190:5,11

191:22

192:2,4

Stephenson's

9:21

87:3

107:7

Stevens

2:20

91:12,21,25

98:8,17,22

still

29:1

176:10,12

Stockie

42:12

43:22

89:8

Stockie's

148:3,8

163:14

stop

168:24

169:3

straight

21:1

53:13

58:8

60:21

66:14

68:11,12,15

69:6,17

71:9,12

stream

40:4

street

46:7,19

164:16,18

stressed

15:25

strict

6:25

7:14,19

52:18

strong

38:5

114:9

170:12

struck

166:18

167:2

171:18

structure

14:9

19:14

40:4

52:5

157:11

158:10

168:23

structures

16:18

struggled

64:23

studies

89:24

stuff

93:3

180:2

189:18

sub

71:4

94:19

129:21

153:23

157:7

158:5,9

187:12

subject

24:18

25:13,20

95:16,17

subjective

169:15

submitted

149:8

subsequently

102:11

133:13

137:18

substantive

86:5,10

subtract

33:18

67:14,17

subtracted

102:5

success

24:9

175:13

successful

18:11

24:8

successfully

14:17,25

16:14

18:3,13

54:24

successive

90:21

sudden

53:14

suffice

58:21

sufficient

30:19

65:9

suggest

14:14

75:2

suggested

70:24

71:6

77:10

129:7

suggesting

87:14

92:12

106:19

120:8

suggestion

118:22

119:18

suggests

120:10

169:5

summary

79:12

80:16

81:23

summer

175:12

suppose

46:21

supposed

184:17

sure

8:25

13:18

16:25

17:14

24:5

25:5

27:5

30:24

37:17

40:14

46:20

49:11

50:8

62:8

97:20

101:8,21

113:19

115:20

118:14,16

119:22

122:3

129:20

136:5

141:13

142:4

152:23

153:14

156:1

160:15,15

171:2

174:5,5

181:22,23,23

182:6

183:23

185:21

189:7

190:21

surely

13:10

24:3

141:10

surprised

133:1

surprises

90:10

Suzanne

184:11

sweat

11:18,18

tab

60:7,11

62:9

73:12,14,24

81:12

82:19

87:4

90:10,12,13

99:22,23

111:8,21,24,25

117:2,3,10

127:3,24,25

128:1,3,6,8,9,17

130:15

140:10

182:7,14

183:3,11,14

184:9,13

185:1

186:6

187:4

table

3:1

10:17

19:8

23:17,18

29:14

175:18

tabs

185:5

tactical

8:13

9:1

tailored

15:10

tailoring

106:18

take

5:13,23

6:4,9,17

9:5

10:15

12:10,21

13:19

24:23

26:22

29:13,19

30:9

31:1,19

47:20

49:13

50:2

51:16

52:20,22

54:2,5,19

60:2

68:23

71:24

72:6

79:3,8

90:2

93:16

96:16

100:11

102:10

108:6

109:11

114:23

117:22

119:23,24

120:13

125:12

126:4

128:14

129:6

131:5

139:7

148:25

150:18

151:13,17

153:7,24

154:2

157:16

160:2

161:10

164:9

170:6

178:1,16

179:5,9,12

180:5

181:18

187:7

189:10,15

taken

112:20

142:14

taking

102:16

125:15

129:4

162:13,16

talk

5:15

13:9

76:14

102:13

160:21

talked

11:14

23:2

71:20

103:7,10

104:17

121:4

135:20

156:23

166:6

173:23

178:21

189:17

talking

13:15

22:9

25:25

40:7,8

43:4

45:13

50:6

61:14,16,21,22

67:11

75:6,21

76:19

77:23

78:1,2,15,16

81:12

102:12

109:1

123:1

132:17

135:8

138:4,5,5

140:21,21

149:3,15

156:22

174:11

184:13

189:20,22

talks

34:24

130:17,18

171:4,5

tall

4:18

73:13

taller

4:19

tandem

102:18

target

40:13

137:25

targets

30:21

121:16

task

150:17

153:8,9

166:15

tasked

148:13

tasks

158:8

tax

14:9,18

15:6,7,17,20

16:9,18,19,20,24,25

17:10,10

21:6

24:19

25:11,13,19,20,25

28:11,11,15

30:18

31:4

49:10

108:13

113:1,7,8,12,21,22

114:2,11

115:2,7,7

116:17,18,20,21

120:19

131:25

141:3

157:19,23,25

158:12,14

160:22

161:8,18,20,22

162:10,11,23,25

163:3

164:2

165:16

167:5,10

168:2,3,23

169:24

170:8

171:1

172:5

173:4

175:3,13,17

176:12

180:13,23

team

148:15,24

tell

7:12

14:14,16

15:8

20:16

23:5

32:1,14

34:12

36:1,6,7

37:23

39:5

53:3

106:1

107:24

124:19

150:23,25

156:12

161:18

162:3,24,25

166:10,22

169:21

172:1

173:21

186:5

189:25

telling

21:3

23:16

24:11,25

25:5,7

32:13

145:13

146:4

150:1

template

157:2,7

ten

17:13

22:23

160:11,13

174:7,7

tend

65:7

114:13

121:6

tender

28:9

172:14,16

174:10

tends

84:20

tentative

178:22

term

28:12

29:6

36:25

37:1

40:12,17

58:9

61:4

62:21

64:6

104:11,14

174:6,14,21,22

177:6

187:1

termination

94:14,15,22

terminology

9:7,16

74:22

75:7

79:1,6

terms

6:15,18,20

10:17

12:24

13:13

26:4

31:18

38:18,23,23

65:13

91:9

93:9

95:4

96:7

101:11

102:13

119:1

120:17

122:7,8,9

123:8

163:22

164:20

165:10

188:24

terribly

100:17

Tetrault

173:12

tha

33:8

thank

4:13

15:2

31:6

54:15,19

73:10

87:9

111:13

112:2

116:11

117:8,12

122:4

127:7,25

128:11,12

140:13

159:16

160:17,18

172:7

192:4,10

thanks

39:16

174:10

their

5:4

7:1

14:10

30:15,18

38:11

42:3

44:12

53:16

55:24

61:24

103:2

115:4,9

136:18,19

144:1

145:4

150:2

151:17

166:2

187:9

theirs

30:16

themselves

13:9

152:8

theoretical

32:20

33:14

theoretically

71:9

theory

95:4

therapy

176:11

thereabouts

125:20

thereof

186:7

they'd

43:8

123:24

thing

10:16

23:8

24:4

41:1,3

51:17,19

53:9,12

70:8

75:7

76:21,22

77:25

78:1

80:19,19

89:22

101:20

108:14

109:19

126:14

129:3

131:20

139:20

147:11

156:7

164:10

167:4

180:17

189:10

things

5:14,24

6:22

9:11

10:16

12:11,24

14:8,11

31:7

36:18

43:3

44:13

45:19

64:10

71:15

84:7,20

100:20

129:5

142:19

143:10

151:8

153:21

161:24

172:23

181:12

thing's

191:2

think

4:18

10:1,6,8,21

11:11

13:7

17:16

19:25

21:9,14,15

24:10,22

25:12

26:13

27:15

30:12

36:2

37:22

38:9

40:7,25,25,25

41:2

47:7

52:24

53:1,24

54:4

55:13

64:22

65:11,14

66:8,25

67:16

68:1

79:17

80:5

91:24

94:6,19,25

95:20

96:10

99:1

101:12

102:3,4,5,7

103:5,7,9

105:4,5

108:5

113:5,11,20,25

114:12

115:16

118:7

119:2,5

120:14

121:3,9,12,22

122:15

123:13

124:5

127:17

128:23

132:9,14

138:8,16

139:17

140:23

142:16

145:7

148:10

155:3

158:16,21

161:4,5,12,21

163:11

164:14

165:7

166:8

169:4,6

170:3,11,17

171:5,21

172:20

173:3

174:19

175:19

176:3

179:10,16

180:2

182:14

184:20

185:17,20

187:22

189:16

191:15

thinking

181:1

thinks

36:23

139:10

third

6:4

24:20

60:13

62:9

92:25,25

139:18,25

171:7

Thirdly

163:18

thirty

42:1

66:21,23

67:5,12

122:24

174:7

Thirty-four

117:4,5,11,12

thirty-three

183:16

Thirty-two

183:15

thorough

21:12

thoroughly

11:15

thou

17:13

though

52:17

109:7

168:8

170:13

thought

39:17

43:3

58:11

131:21

141:20

143:7

148:10

160:2

167:14

174:13

176:9

three

24:18

26:11

57:6,7,9

62:22

63:13

64:8

68:25

69:11

89:23

90:23

92:13

99:5,7,16

102:22

112:21

114:15

138:22

139:12,14

178:12

180:14

185:5

188:9,21,22

189:6

through

17:5,6

29:11

30:21

41:24

43:15,16

44:20

48:10

53:18

58:3

67:10

70:1

71:14

78:12

89:13

95:16

96:3

108:13

113:2,24

128:14

147:11

168:12

172:17

175:11

178:15

189:16

throughout

132:2

throw

86:14

Thursday

160:7

time

11:2,13

12:10

15:3,12

16:11

20:25

23:16

24:12,17

25:19

29:3

41:23

43:16,24

45:24

46:13

53:1

54:25

57:7

64:2

67:6

76:20

83:20

86:1,2,13

100:3

101:22,25

102:16

109:22,22

123:19,22,23

125:15,16

129:7

132:11

135:2,8,23,24

136:24

137:18

138:4,6,16

143:11

147:21,21,22,22

148:4,4,6

154:18,19,24

155:20,21

157:18

158:7

161:6,16

168:14

171:17

172:12

173:9,13

174:9

178:4,19

179:13

190:9

191:13

timeline

40:6,7

155:16

156:23

157:11

timely

8:21,24

131:12

times

20:21

166:10

timing

119:3,16

tiny

122:23

title

97:8

148:9

today

57:5

together

64:15

94:9

102:2

120:14

164:10

toilet

84:22

told

14:18,24

16:13,22

17:3

21:20

23:19,23

38:10

41:24

43:17,21

56:13

78:10

89:8,11

95:10

108:16

110:14

126:22,23

147:25

151:1

153:21

157:6

164:20

165:3,10

166:6,24

167:5

180:17

tools

29:22

190:20

top

4:18,21

73:13

87:12

118:3

168:20

topic

41:17

159:12

topological

91:16

total

61:4

64:5

totality

164:1

totally

57:2

59:12

120:20

toward

181:2

towards

156:9

town

50:19,21

51:14

tra

116:17

track

14:20

95:21

trade

10:4

trades

177:4

traditional

55:7

74:24

76:25

77:2,5

78:11,11,20

82:1

176:19

traditionally

43:25

77:22

transaction

6:8

11:21

14:9,17

15:1,7,9,17

16:8,14,20,24,25

17:3,4,11,19

19:18

21:2,3,16,18

25:1,8,11

26:24

31:14

35:22

43:24

45:8

46:15

49:7

51:25

53:13

54:20,25

55:9,21

56:3

57:3,14,24

59:2

64:24

65:1

70:25

75:22,25

77:1

93:17

97:9

108:15,23,24

109:7,15,22

110:10

113:6,7,9,13

116:18

138:9

147:22

153:17

154:4,6

157:11,19,24

158:2,11,12

163:22

178:17

179:14

180:8

190:19

transactions

15:6,21

16:19

19:14,15

21:21

23:6,17

24:7

51:24

58:22

69:7

92:2,13

108:25

110:20

137:25

154:12

159:1

179:10

Transcript

3:8

transfer

59:5

treated

58:16

tree

56:7

57:15

tremendous

11:17

tried

18:10,17

19:19

20:7,12,18

21:21

158:24

179:20

trouble

38:24

true

88:24

143:4

144:3

trust

76:15

159:4

try

41:17

58:23,25

96:19

152:5

161:25

169:9

171:22

trying

38:25

69:4

79:18

81:15

114:9

129:25

156:15

Tuesday

160:6,10,11

turn

4:17

5:5

26:13

73:12

82:18,23

83:5

99:1

111:7,20

117:1

122:14

127:10

132:25

134:18

turned

65:18

turns

156:20

twelve

33:22

twenty

174:7

186:16

twice

104:4

two

21:7

26:11,17

32:2,13,16,22

33:18

34:10

35:25

38:8

39:7,23

41:2

42:1,2,2

44:24

47:22,24,24

48:19,24

49:2,19

51:24,25

52:22

53:15

55:4,5,17

57:13

58:2,10

59:7,9

64:10

65:25

66:2,2

67:14,17,20

68:10

69:6

74:23,24

75:4,22,23,24

76:16

78:4,10

82:9

86:13

90:22

92:16

95:10,13

97:18

99:3

104:18

108:24

112:21

115:24

122:19

124:6

136:4

139:15

143:9

153:3

158:8

163:9,9,9

164:2

165:23,24

166:7

179:3

180:14

186:2

twofold

132:10

tying

11:19

type

9:6

10:3

16:20

24:22

28:11

35:22

64:4

180:2

types

10:2

24:21

typical

31:15

typically

50:7

114:12

119:4

120:5,5

ultimate

129:21

ultimately

56:1

155:22

ultraconservative

150:24

unable

23:8

unamended

136:8

unawares

175:12

uncertain

164:20

165:10

unclear

78:18

und

56:22

under

17:11,17

42:4

56:12,22

58:7,8

60:21

69:16

71:12

78:19

99:14

113:11

130:18

144:9

147:6

underlying

16:6

40:14,16

46:1

71:19

95:24

underneath

82:7

130:17

understand

10:2

11:2

18:23

21:8

23:15

26:21

27:4

28:10

29:7

31:25

34:11

35:21

36:25

37:1,3

39:22

40:9,11

43:2

44:22,25

45:14

47:3,6

48:21

50:8

53:9

55:11,23,25

58:15

62:8

65:12,14

67:3

69:8

70:20

78:10

79:13

80:21

81:14

86:3,24

93:19

97:11

99:15

101:24

102:15

103:19

104:3

107:17

108:12

110:24

112:19

113:15

117:16

122:4

123:17

131:9

133:17

134:13,19

137:24

138:2,8

142:10

143:17

145:25

159:3

160:24

165:3,20

167:7,9,16,18

168:21,22

169:11

174:2

175:21,25

176:6,8,13

186:22

188:2

understanding

11:16

30:9,17

35:4,8

62:20

101:17

145:23

147:20

150:21

151:12

153:24

154:24

173:7

179:17

understands

34:9

143:15

145:21

understood

30:12

31:2,2,13

34:16

35:5,17,18

40:21

56:19

57:25

60:16

72:22

78:13

79:17

133:7

136:25

137:2,12

141:10

143:25

undertake

27:11

188:25

undertaken

15:22

44:17

160:24

under-performs

96:1

unethical

10:6

unfair

105:16

unfortunately

95:7

146:8

167:23

Union

89:25

92:8

unique

15:10,22,25

19:15

20:6,10

77:21

159:6

University

1:16

unknown

14:1

unless

10:9

98:20

107:17

110:20

unlikely

114:17,19

unrelated

148:20

until

22:19

24:8

30:7

43:23,24

115:24

116:2

140:20

150:1,10

156:11,17

157:14

160:13

173:5,17

191:4

192:9,12

unusual

177:2

upcoming

190:23

update

161:15

172:23

173:1

updated

151:7

urgency

156:25

157:1

186:7

use

9:7,16

10:5

18:15

28:12

31:8

40:12,17,20

77:20

86:15

158:3

used

10:4

43:25

51:14

86:1,2,16,17

121:9

151:15

152:1,20

useful

10:9

using

9:9,10

14:17

28:12

30:8

31:1

45:4

64:23

65:24

66:19

78:25

91:20,21

usual

160:4

179:24

uttered

22:19

valid

19:25

valuation

40:14

value

109:21

variables

92:5,9

variety

164:12

172:13

various

29:14

177:25

vastly

189:8

ver

77:17

verbally

164:15

versus

28:21

63:1

very

4:21

11:8

14:8,12

15:9

17:2,22

18:6

20:21

23:20,24

25:17

27:24

30:15

32:11,20,24

33:25

37:18

40:9

45:5,5

46:22

52:18

55:12

58:21

63:11,12

68:3

69:6

76:12

101:2

104:8,10,13

108:24

114:8

118:3

122:23

132:10

136:6

137:3

146:5

151:15

154:12

164:21,21

165:2

166:25

167:14

168:19

170:12

178:18

179:17

182:19

190:18,19,20

via

30:12

Vice-President

168:13

view

7:17

9:21

69:24

79:2

94:16

96:16

158:15

187:10

viewed

45:20

158:16

viewpoint

39:2

views

5:15

92:1

ville

50:25

virtually

162:24

virtue

17:10

58:4

60:19

161:10

vis

61:2

166:17,17

vis-a

61:1

vis-a-vis

11:10

21:6

166:11

168:2

vital

6:6

24:13

37:13

volume

60:7

73:14

87:3,6,7,8

90:13

99:20

111:13,14

117:2,2,8

127:6

128:1,3,10

154:12

182:12,13

volumes

24:22

wait

52:6

67:2

72:20,21

73:6

169:10

174:15

waited

163:25

waiting

150:10

wandering

97:22

want

10:10,24,24

19:11,12

22:12,18

31:20

36:20

38:13,17

39:1,13

43:17

50:13,19

53:16,18

54:19

62:18

65:2,4

73:9

77:18,25

78:8,14

79:5

82:17

89:9

101:8,21

110:19

112:3

122:5

127:1,17

129:3

132:22

134:18

141:20

147:18

160:21

165:6

171:11

174:22

180:24

181:10,16

wanted

5:20

6:3

9:19

13:21

18:7

65:13

129:1

152:1,18,20,20

154:25

160:15

184:6

wants

15:18

50:25

155:11

Warnock

2:25

192:21

wasn't

48:19

143:4,8

150:8,12,20

151:11

154:22

156:16

160:15

161:11

162:19

165:10

166:3,15

167:11

170:16

173:16

187:13

188:3,3,9

Water

89:25

92:8

Waterloo

1:5,17

2:10

4:3

11:24

12:1

13:20

15:24

19:10

26:10

30:14,16,22

43:13

44:15

50:18

51:3

54:7,13

55:3

56:24

57:14

59:19

70:25

80:23

87:12

93:10,13,22

94:19

98:3

108:24

110:24

116:1,7

132:1,5,15

136:13,17,18

145:9

146:2,4

159:17,23

168:24

169:3

186:9

192:11

way

9:21

10:9

25:6

28:25

36:25

37:1,4

38:14

43:7

45:6

54:23

62:20

65:24

67:22

76:21

78:2

92:18

97:17

101:13

102:22

128:4

135:8

139:2,2

140:5,18

142:8

143:15

146:8,10

150:6

152:8

154:14

161:25

164:22

165:7

169:5

170:24

171:12,14

173:6

174:3

176:19,19,25

187:8

Wayne

2:18

ways

19:13

41:3

66:1

137:14

Wednesday

160:7

week

21:10,10

123:13

weeks

97:18

126:16

188:9

weighing

27:12

well

7:4

12:3,5

15:11

18:16

19:1

20:2,15

22:25

25:17

27:16

30:15

31:23

32:10

33:5,17

34:8,13

35:9

36:8,12,16

37:2,9,11,14

38:22

39:9

42:15,17

43:12

44:5,11

45:10,14

46:12,17,22

47:7

48:3,4,25

49:4,8,10

52:4

53:9,20

54:2

56:6

57:8,11

58:23

60:2

61:20

62:7

63:4

64:25

66:6

67:2

70:8

72:5,20

77:7

79:7,13

80:4,22

84:14

86:21

87:20

91:11

92:8,25

93:7

94:14

95:4

96:24

99:9

104:6

105:9,21,22

106:10,11,23

107:5,10,14,15

108:3,20

110:14

113:14

115:18

119:3

120:4

121:24

122:1

124:24

125:4

126:21,25

137:22

138:13

139:10,19

140:23

141:1,15,16,17,19

142:3,4

143:19

146:7,9,16

147:10

149:4

150:6,20

152:10,22

154:16

155:6

156:24

157:22

158:17,20

161:17

162:9,19

164:14,20

165:2

166:6

169:7,12,17

170:1,10,18

171:4,22

173:25

174:2,18

176:15,15

181:14,17

182:4

183:21,23

184:5,12

185:4

187:8,16,18,24

188:24

191:16

Wendy

2:25

192:21

went

40:15

84:21

92:6

100:25

141:23

168:9

were

5:9,22

11:5

13:25

14:1,12,13

18:16,16,24

19:8,8

20:21

21:7,11,12

22:9

23:2,8,20,24

24:8,8,13

30:22

37:23,24

38:10

41:24,25

43:4,17

51:12

56:21

59:1

67:21,23,23

68:2

74:20

79:4,9

84:7

89:24,24

91:2

92:2,13

93:2

95:2

100:14

101:12

102:1,2,16,21,22

103:18

108:14,22

109:14,20

116:22

119:24

120:6,22

121:15

123:14

124:6,14

126:15

127:4

131:3

137:2

138:9

142:19

148:20

150:24

154:10

155:14

160:16,24

162:4,16

166:10

170:11,24

172:16,17

173:9

186:25

187:23

189:22

weren't

21:6

121:20,20

154:15

191:10

we'll

24:1,1

42:22

147:10

160:3,4

169:8

180:15

183:6

192:9

we're

13:15

19:25

20:7,24

25:15

32:12,13

33:13

35:25

45:4

49:10

50:6

51:19

53:4

54:5

55:10,14

61:22

77:15,23

78:1

88:18

96:2

105:7

106:20

109:1,21

110:20

111:24

115:22

120:22

121:9

138:4,4,5

140:20

146:18

171:18,18

173:10,13

174:12

180:7,14

183:18

187:4

189:5,6,8,20

190:5

191:7

we've

11:14

13:4

14:7

19:19,19

20:7,12

21:1,2,20,21

23:24,25

29:10

31:6

35:13

38:23

51:13,18

65:17

103:6

116:14

118:2

125:3

137:18,23

158:25

162:22

171:18

177:25

180:6,12

181:15

183:22

wh

25:10

49:23

whatsoever

149:24

wherewithal

46:6

while

65:17

110:25

121:24

187:4

White

94:25

130:6,17

153:22

156:5,13

157:8

184:18

White's

156:6

whole

27:17

33:10,11

53:19

79:14

80:19,19

125:21

158:13

162:23

wider

141:2

William

2:6

7:2

9:17

14:19,23

15:2

34:13,20

35:1

36:2,22

37:3,9

42:15

47:14,17

50:21

52:13

55:6

84:5,11,14,16,19

88:12,21

89:1

99:22

105:4,15,23

106:6,11,13

107:5,7,15,18

133:21

139:17,21

141:25

142:7

146:20,23

147:2,6

169:4,7,12

174:15

187:16

willingness

10:19

93:18

94:8

95:18

wind

126:2,11

window

176:6,9

winds

177:22

Windsor

54:20,24,25

55:2,9

57:5,6,23

59:22

61:12,15

89:25

94:19

108:14,15,23

109:6,15,22

132:11

withdraw

88:22

withheld

37:16

withhold

6:6

8:12,25

withholding

24:13

witness

7:8

10:8

11:13,22

12:3,7

15:4,12,14,20

20:19

21:24

23:7,11

35:3

39:10

41:5,8

47:12

48:2,4,7,11

53:22,24

54:4

56:9

57:11,16,19

58:24

59:3,8,12

62:11,13,16,21,24

63:4,9,17,20,23

64:1,4,9,14,16,22

65:2,4,7

67:4

70:18

72:18,21

73:4,18

74:11

75:12

80:2,5,7

81:4,7

85:13

87:6,10,15,17,20,22,24

88:2

98:5,7,10

105:18,18,19

106:5,16,23

107:1,1,8,17

108:4,5,6

109:19,25

110:3,6,17

114:6,8,19

124:5,20

131:10

134:8,10

139:22

140:2

142:6,24

145:2,12,17,19,25

146:7,12,16

151:22

152:23,25

153:20

171:24

172:6

181:20,25

182:3,7,13,19

183:10,13,17

185:5,15,24

189:21,24

190:1,4,7

192:7

witnesses

31:7

41:22

116:15

Wolfraim

100:10

133:4,9,17

134:1,3,6,8

167:24

168:5,19,23

169:18

Wolfraim's

50:2

98:20

169:13

wonder-child

164:17

word

18:15

21:7

84:1,1,9,10,18

85:8,8,23,23

86:17,17,19,20

87:16,16,19,19

88:7,7,25,25

113:19

114:9

118:16

126:4

141:14

163:25

wording

81:21

words

18:12

20:18

113:15

165:9

work

13:14,16

36:15,17

49:9

94:9

95:18

96:8

104:14

120:2

137:25

158:1

162:20

168:24

169:2

178:8

worked

18:11

102:11

142:19

working

67:21

83:24

101:2

151:3

168:4,4

workings

55:24

world

23:23

worry

125:24

worse

34:21

worth

51:16,21

108:5

121:24

wouldn't

18:15

23:23

32:5

45:10

49:16

61:18

86:8

91:25

95:6

106:20

126:20

162:15

165:19

172:25

189:15

190:7

wrestling

67:23

Wright

98:16

160:25

162:12

163:2,8

166:5,16,24

171:4

write

126:16

writing

97:24

98:4

129:6

131:25

132:3

written

48:1

94:4

wrong

36:25

47:10

58:12,13

74:6

84:22,24

103:13

128:5,6

129:13

130:7

137:12

142:15

145:10,11

152:7

wrongly

86:20

146:8

wrote

99:3,16

Ye

161:2

yeah

8:23

10:23

12:7

21:25

22:11

35:2,12,12

36:22

37:10

47:13,16,17

49:20

50:7

52:13

55:23

56:12,21,22,22

65:7

66:12,17

67:9,21

68:6,17

79:8,24

80:17

81:12,24

82:4,12,14,17,24

83:2,8

84:19

86:18

95:3

96:24

98:5,16

99:9,11,13,15

103:13

107:3,9

108:23

118:1

120:13

126:21,24

127:6,8,20,23

128:11,13

129:24

130:20,22,24

131:10,20

136:17

139:9,14,23

140:17

141:3,25

151:6

155:24

156:9,19

169:20,22

170:5

171:14

172:2

174:12

175:7,9

183:3

184:15,19

186:4

187:3,18

year

33:10,11

38:6

42:1

66:22,23

67:5,12

96:12

112:6

116:19

118:4,5,25

119:21

120:4,11,17

121:1,5,18

123:14

151:7

174:7

years

71:11

114:16

122:24

159:2

164:18

Yesterday

57:3

Young

55:20

zip

127:1

$10,000

64:7,12

$11,000,000

69:25,25

$11,578,000

62:15

$23,458,000

64:18

$269,000

63:1

$30,000

64:20

$301,000

62:25

69:11

$32,000

63:1

$50

153:10

00-17

132:23

1

10:15

12:11

14:8,11

16:9

21:6,20

25:12

26:11

27:5

39:21

49:6

50:17

54:23

56:18,20

68:12

69:8,17,19

71:7

73:14,23

81:8

82:21

83:2

86:1,2

89:21,22

90:1,22

98:16,17,19

99:2,20,20

102:18,24

112:21

116:14

117:2,8

122:17,19,19,20,25

124:8

128:3

131:14

137:14

143:15

144:22

153:22

158:23

163:10

167:6

179:1,1

180:14

186:17,23

1,098

33:22

1,298

33:24

1:00

116:4

10

17:5,13

22:23

49:12

174:7,7

10,000

17:13

63:13

10:28

4:1

100

56:15,17

180:7

182:25

183:4,8,12

102

26:18

32:2,13,16,22

33:18

34:10

35:25

38:8

39:7,23

42:1

44:24

47:22,24,24

48:19,24

49:2,19

51:25

52:22

53:15

55:4,5,18

57:13

58:2,10

59:7,9

67:14,17,20

76:7

104:18

107

60:8,9

127:23,25

128:1

140:12

11

64:13

11th

122:20

11,888,151

61:6

11:00

192:12

11:29

54:10

11:51

54:11

12

33:22

13

140:10

13th

1:24

14

33:23

159:2

15

47:21

54:6,8

159:14,18

176:2,2

15th

25:6

98:24

99:18

150

57:4

17

73:12,25

81:13

18

96:12

111:7,14

127:3

18th

132:23

19th

153:23

192

3:8

1984

132:12

1998

14:1

2

21:7

26:11

41:2

51:24

64:10

68:10

69:6

75:22,24

86:13

87:3,8,11

90:13,23

95:10,13

97:18

99:3

108:24

111:13,14

112:21

117:2

122:19

124:6

127:6,24,25

128:1,1,3,6,10

139:15

143:9

153:3

158:8

163:9,9,9

165:24,24

166:7

179:4

180:14

186:2

2.1

186:13

2:00

116:2

2:04

116:5

2:58

159:20

20

47:24

128:8,9,17

130:15

174:7

186:16

20th

122:20

125:20

200

42:2,3

74:24,25

75:4,23

76:16

78:4,10

82:9

2000

16:7

22:10

29:12,18

30:25

33:12

40:6

41:24

93:16

102:16,25

111:20

112:6

117:18

118:23

127:11

148:4,6

149:9,23

150:1,2,18

151:8

153:11

168:23

172:17

177:21

186:24

2001

1:16

59:19

173:17

174:4

176:17

186:24

2003

1:24

21

97:19

117:18

120:2

21st

134:19

135:3,10,11

161:12

2149

87:12

22nd

161:7,9

173:8

220

50:7

24

160:8

24th

136:6

185:16

240

50:7

25

93:16

25th

94:3

99:19

121:4

160:9,12

178:25

188:4

191:7

25,000

36:18

26th

99:19

101:23

125:22

161:10,14

181:2,4

29

149:9

150:18

29th

149:22

151:10

3

24:18

26:11

57:6,7,9

89:23

90:23

92:13

99:5,7,16

102:22

111:20

112:4,5,21

114:15

139:13,14

178:12

180:14

188:9,21,22

189:6

3:29

159:21

3:57

192:15

30

42:1

66:21,23

67:5,12

73:12

82:19

87:3,8

90:12

117:3,6,9

118:15

119:14

122:24

174:7

186:6

30th

176:2

184:9

188:8

301,494

68:24

31

118:4,10

120:4,5

121:5

185:2

31st

59:18,19

60:1

67:10

120:3

188:4

32

183:3,15

184:13

32,000

63:4

33

183:12,16

184:9

186:6

34

117:2,4,5,11,12

185:1

372

62:22

63:14

64:8

69:1,11

372nd

63:11

3772

90:20

4

3:6

5:5

26:12

61:10

62:1,12

63:22,24

64:13

66:15

90:23

95:11

112:22

114:16

4th

96:21

97:3

4.75

42:4

4.76

68:1

123:9

124:1,8,14

125:6

126:3

48,000,000

68:20

5

22:5,9

42:4

60:7

90:23

104:8

109:16

112:22

123:14

125:2

137:15

160:9

182:12,13

192:1

5th

127:10,11

129:8

156:20

5's

138:7,10,12,15,20

5.45

67:20,24

68:5

69:21,24

50

118:15

119:14

59

82:19

87:4

6

90:23,24

112:22

126:16

6th

21:11

23:1,11

171:17

172:1

173:5

175:24,25

176:4

178:8,12

180:7,19,20

181:1,5,8

184:13,14,21

188:16

189:5

190:17

191:8,9,10

6.3

102:7,12

6.36

102:9,9,12

110:11

137:23

6.47

66:9,15

67:17,18

68:15,20

69:1,9

70:2

6.6

102:3,5

6.98

32:23

60

82:19

90:12

698

33:16

7

112:22

124:10,11,15

7.6

47:1

71

4:17

182:14,15

73

60:7,11

62:9

8

32:22

33:15

99:22,23

112:22

8.8

47:2,5,14

80

67:1,13

800

33:19

9

112:1,2

90

17:4

111:25

99

24:16

29:11

41:24

111:8,24

127:3