Federal

The Mortgage Renewal Wall (2026-2027)

Approximately $400 billion in residential mortgages — 60% of all outstanding Canadian mortgage debt — will hit renewal by the end of 2026. The most exposed tranche: ~$250B originated in 2021 at sub-2% rates, now renewing into a 4.5-5.0% environment. That's a 250-300 basis point shock.

An adversarial simulation using the RIPPLE causal graph tested what happens when this wall hits — and found something unexpected.

SUMMARY — Albertan Independence

Albertan Independence: A Canadian Civic Overview

Albertan independence is a topic of civic discourse in Canada that explores the potential for the province of Alberta to separate from the federal union. This debate is rooted in economic, political, and constitutional considerations, with advocates and critics offering diverse perspectives on the feasibility, implications, and legitimacy of such a move. The discussion reflects broader tensions within Canadian federalism, balancing provincial autonomy with national unity.