Oh I'm sorry for almost robbing you of your opportunity to shine - after all, school teachers would lose their jobs if all the kids were home-schooled and went straight to university
I apologized to the OP btw - after realizing it wasn't his fault that I've already bought CAD and US ETFs for my husband's TFSA and they went down, but decided to wait for a better price on XEF and it held up... But please spare me the lecture as I was bored with your posts before I even joined - wondering why don't you open a Sunday school so you could share your interpretation of "the bible"?