text: Time for change. As a shareholder I watch this very closely.
  Is  a cowboy at work, or a very well nurtured , trained brain.
  Until now the results are ok.
  So I keep my shares.
  If not I will  add some RBC or BMO. (TD is usually too  expensive for my
  taste,but a STAR bank in all ways possible,very well managed like RBC.)