The Billion Dollar Question – Could Bracket Challenge Lead to Scandal?

Warren Buffett’s $1 billion bracket challenge is a dumb idea.

Never mind the odds say one has a better chance of dying from heat exposure waiting for a bus in Minneapolis during January, or being mauled by a polar bear in Florida 15 times.

Screen Shot 2014-03-18 at 11.29.53 AMA DePaul University math professor figured that a “knowledgeable” college hoops fan has a 128 billion-to-one shot of nailing the entire bracket. Divide 128 billion by the 15 million entries the Yahoo!/Quicken Loans contest is capped at, and it leaves on average one billion dollar winner per 8,533 NCAA Tournaments. Which is better odds than DePaul’s chances of being national champions next year.

Then there is the obligatory fine print, which takes more time to analyze than the actual 68-team field.

There are the usual catch-alls in the official rules, covering everything including acts of God. How many controversies have broken out in contests involving making half-court shots?

In the past seven years, perfection has only occurred once over the first weekend (48 games) of ESPN’s contest involving millions of annual entries. It gets progressively more daunting after that.

But what if it that one perfect bracket in 8,633 years does hit? Stranger things have happened. The odds improve if the tournament proved to be nearly all chalk.

Though the contest does not constitute gambling, the NCAA has reason to be concerned about the promotion.

Assume a bracket gets to 60-0 heading into the Final Four. There would be enormous media attention. If someone gets to 62-0, the story would be more about the possible winning bracket than the teams playing the actual championship game.

My personal advice for anyone getting to 60-0 would be to decline all invitations to be anywhere near the Final Four in Arlington, Texas. Maybe the publicity at that point would be worth it – but would one really want to be in the stadium, be shown constantly on TV, and have every last reaction instantly GIF’d to the world?

If two bracket-fillers got to 62-0 with opposite teams winning the Championship game a backroom deal could be set for both to split the winnings. Both would be conceivably set for life while saved from 48 hours of unimaginable stress.

The Doomsday scenario is one perfect contestant going into the championship game.

A contestant could conceivably find a player from the team that person needs to lose. The bracket-filler could then offer $25 million to the player to tank, payable if his team loses the game. It would be an offering of an amount more than what most collegiate players would see as professionals.

One would imagine all safeguards would be taken to prevent a possible winner contacting any student-athlete playing in the game.

Imagine this scenario: Team A plays Team B, the 62-0 contestant has Team A winning. Team A does win, with immediate speculation centering on the losing team. A player from Team B goes 3-of-16 from the field, makes a few critical turnovers or misses some late free throws. The usual human error factors than occur in any random athletic event. But this time, no one would buy it, and the inevitable conspiracy theories would result. It would be hell not only for the winner, but also the players who underperformed from the losing side. Speculation would be endless on social media and even in the mainstream press.

All it would take is a hint of circumstantial evidence to make a case for Berkshire Hathaway to delay awarding of the $1 billion prize. Guilty until proven innocent. It would then likely be played out in the legal system for months and weigh forever on the players involved.

It would be the 1951 point-shaving scandal revisited, maybe on an even larger scale.

I expect the NCAA to take steps to ensure no such contest happens again, and I can’t blame the organization.

I wish the best for all 15 million who fill out the brackets on Yahoo!. I hope you win it all, but most likely you will only end up giving Quicken pertinent personal information.



About Kurt Allen

Have written/blogged about sports since 2000, along with starting my popular Twitter feed in 2009. I also closely follow fantasy sports developments, along with events such as the NFL Draft.

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  166. I found this tip useful from Suze Ormand: Before you purchase your first life insurance policy, ask yourself the question as to why you are buying it. If it is because your parents say you should have one then question this. Life insurance is primarily useful for people who have dependents relying on their income such as partners or children. The policy will pay for their living expenses should something happen. While it is cheaper to get a policy the younger you are, make sure you are doing it for the right reasons.

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  167. My Dad’s account always said: When it comes to Life Insurance, purchase it when you are young. Typically, a younger person is in good general health, so you will be able to lock in a great rate for the length of the policy. As a person gets older, they start to present more of a risk to an insurance company, and not only will the premium be more but, you may be denied coverage entirely.

  168. Here’s a tip from my accountant: Work to improve your credit before you purchase life insurance. The better your credit score is, the less money you will pay for your policy. Even though it doesn’t make a lot of sense, insurance companies see people with low credit as “riskier” and will charge them accordingly.

  169. I always read: To get a good life insurance rate, purchase life insurance while you’re still young. Rates are lower the younger you are, and you can keep paying the same rate as time goes on. You may not need life insurance now, but you’ll need it in the future. Being proactive about your life insurance will help you get a great policy for a low cost.

  170. This mean, with some brokers you can even place trades and watch on the
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  171. This makes an excellent mix as the signals that traders who have the Binary Hedge Fund as their broker get are of good quality and amongst the
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  172. Pfizer stated Lipitor is the initial cholesterol-lowering
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  173. This mean, with some brokers you can even position trades and watch on the market, while
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  174. In order for US binary choices traders to prevent joining scam
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  175. Keep your investment plan simple if you are just starting out. It can be tempting to diversify right away and try everything you have read about or learned. But, if you are new at investing it is best to find one thing that works and sticks with that. It will save you money in the long run.

  176. Just a quick tip: A great tip to lower your life insurance premiums is to figure out how much insurance you actually need. You should determine this amount yourself, and do not leave it to insurance companies because they often will overestimate how much insurance you need. This will lead to higher premiums you will have to pay. Therefore, you should only purchase a policy that has the exact amount of insurance you need.

  177. I’m not saying yours is faked, just share my experience over time.

  178. Just a quick tip: The last thing your life insurance has to be is complicated. Make sure that you’re always keeping things as simple as possible. If and when you pass on, your family should be able to get the money quickly without anything there to hold the payments back. The simpler things are, the easier the money comes in.

  179. This enables all CySEC regulated brokers to accept traders from all European countries.

  180. It is important to buy a stock when it has fallen and to sell it when it is high. People think that the best time to buy a stock when it is high, and they sell it when it is low. This is how so many people end up losing large amounts of money in the stock market. Do not allow your fears to take over your decision making.

  181. Have you done some short selling? This method of investing includes loaning shares of stock. An investor can borrow shares if he agrees to return them at a specified date. The investor can sell the borrowed shares, and then repurchase the same number of shares when the price declines. Because the stock is sold at a higher price than the price to replenish it, this investment method can yield healthy profits.

  182. My Dad’s account always said: If you have an old whole-life policy that you’ve had for several years, you should not attempt to replace it. The reason is because you could lose the premiums you have paid, and you could have to pay new administration fees. If you need more insurance on a whole-life policy, then you should just purchase more instead of discarding your current policy.

  183. When trading penny shares, it is vital that you determine the correct amount of shares to invest in. Keep a close eye on the transaction fees for purchasing and selling these shares. If you are just diving in and out with tiny trades, then your profits will be diminished very rapidly.

  184. Today, any broker worth his salt will have his system operating an all contemporary devices today.

  185. Any gems needs to be detailed with the quality, grades and weights.

  186. TradeThunder offers an excellent new experience in binary alternatives trading, which may differ from what you may have experienced in the past.

  187. Avoid the temptation to trade in and out of stocks too often. While there are some people that day trade, most of those people actually lose money. It is difficult to outperform the market and human psychology often leads investors to sell at the bottom and buy at the top. This is the exact opposite of what an investor should do. Buy a stock at a good price and then hold, unless something has fundamentally changed about the stock’s worth.

  188. Furthermore, you can trade the binary choices noted based upon numerous expiration times.

  189. Try your hand at short selling. This involves making use of loaning stock shares. An investor borrows shares using an agreement to deliver the same number of those shares, but at a later date. The investor then sells the shares where they can be repurchased when the stock price drops.

  190. It is the most sensible method for start-ups however if you actually
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  191. Some countries – such as the United States – have put some limitations,
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  192. Instead of go through all the problem to
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  193. No Deposit Binary Options – How about trading free of charge but have
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  197. Our exclusive offer: open an account, make a deposit
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  199. It is always advisable for traders to investigate each possible broker.

  200. Binary Options trading is not banned or illegal within Australia,
    and brokers based in or beyond Australia can provide their services to Australian traders.

  201. This is a really beneficial component, specifically when you wish to utilize trading methods like the Fence,” considering the fact that you are quickly able to see your purchases against the lows or highs of any other underlying assets.

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  202. Their education offered is customer-oriented, with training given in investing techniques, presenting brokerage, personal trading lessons, webinars, binary pointers and signals,
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  203. And if they appear on the website you belong to, then, make sure
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  204. Cracking!

  205. The National Futures Association (NFA) and the Commodity Futures Trading Commission (CFTC) manage all online
    trading activity in the US, consisting of the Binary Options market.

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  206. One crucial element of SEO that will affect
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  207. Nonetheless, you can only make one free withdrawal monthly, and you will be charged 30USD/20GBP for any added withdrawals.

  208. Cheers for this superb write-ups. Keep sharing great articles!

  209. Rewards: practically every broker offers these benefits that enhance trading potential.

  210. To help keep your site visitors happy, do not underline words. Underline words on the internet signifies that the word is a clickable link. If you have too many words on your pages that are underlined with being clickable links, then your visitors will be frustrated after continuously trying to click on them.

  211. The very first group is comprised of overseas brokers
    who are not managed by either the CFTC or the NFA.

  212. OneTwoTrade – This highly ranked broker is in fact head-quartered in London, and is perfect for UK binary alternatives traders.

  213. They offer a streamlined variation of trading which is perfect for novices and
    it is perhaps this simpleness that has actually made them so appealing to new traders and triggered a
    spike in their popularity.

  214. Following these tips will ensure that your trading procedure will go as smoothly as possible.

  215. The good news is, there is a growing choice of quality binary alternatives trading websites that take United
    States clients.

  216. Meanwhile, while this good friend recommends you a broker, he will definitely point its most significant
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  217. Yu will need to fill a kind with your individual information and the make the deposit.

  218. Trading Binary Options on a Windows Phone – Another type of phone is one which
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  219. The hiring of a legal representative is an important decision that should not be based solely upon advertisements.

  220. In basic, Binary Options Hub would suggest you
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    to you.

  221. TopOption is a regulated binary options broker,
    providing payments of up to 85 % on every winning trade, as well as approximately 100 % welcome benefit.

  222. A reputable binary alternatives broker need to have an industry-recognised
    trading licence making up a list of rules and regulations which brokers have to follow in order that traders might
    dependably and with confidence employ their services, such as CySEC and FCA.

  223. A binary options broker that is made for newbies should not have a fantastic
    variation of confusing expiration times.

  224. You do not need 10s of thousands of dollars to invest to
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  225. These restrictions of liability use even if Binary Alternative Robotic Info has been specifically recommended of the
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  226. They say track record is everything, when it pertains
    to company and with binary alternatives trading sites things are rather the exact same.

  227. Some of these brokers might be offshore while some operate on ASIC approval and licensing.

  228. All of us need a helping hand from time to time, and if you have actually never ever looked into the world of binary alternatives or financial
    trading, this is a friendly place to begin.

  229. Here is the time to struggle like they have settled in for great wrinkles and
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  230. IPhone Binary Options Trading – Another popular type of
    smart phone is an iPhone and this fact that many people now
    own such phones has actually not gone unnoticed by a
    great deal of online Binary Option trading sites who have actually
    now made their trading platforms totally compatible with iPhone.

  231. This is a long and arduous procedure, which
    is why we test and evaluate the best UK brokers.

  232. Please take notification that any uncontrolled trading activity
    by U.S. People is thought about unlawful.

  233. The response is that yes, monetary trading are at
    this moment legal in the United Kingdom and there are many UK licensed binary options brokers readily available for traders.

  234. One that comes close is the IIROC Investment Industry Regulatory Organisation of Canada.

  235. You might make your withdrawals at any time, and the very
    best part is that there is no minimum quantity.

  236. You can find our Blacklisted binary brokers here,
    with complete descriptions why these fraudsters were removed from our list.

  237. Residing in the UK offers traders two primary positive aspects, with concerns to binary options and
    Forex trading.

  238. There’s one unwritten rule among the trading
    audience and according to all of it the best binary choices sites have the
    most attractive reward types ever.

  239. Binary options trading is acquiring a popular credibility with Australian brokers.

  240. Naturally, you will want to make certain that the Binary Options Trading
    Broker provides the possessions you have an interest in, however you must likewise make
    sure that they offer other assets, in case the ones you are interested have ended up being too unpredictable and too difficult to predice.

  241. While we are not attorneys and this is not legal suggestions of any kind, you are not breaking any
    laws by trading binary choices online unless there
    is something specific based on where you live.

  242. Tiffany’s have constructed their business, not only on the fact that they provide a high quality product, but on the idea that you are a valued buyer, and that they will take care of you throughout your lifetime on account of your buy.

  243. Binary Options Types – In contrast to mainstream brokers, the best brokers usually provide a lot more binary choices variants.

  244. What traders ought to nevertheless refrain from doing (while it’s not
    unlawful per se) is to trade at brokers not licensed
    anywhere.

  245. The first part of your online Binary Alternative trading experience that is
    definitely going to boost it is in concerns to Binary Options Bonus offer Taking, there are a huge quantity of special
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    of our featured Binary Alternative trading websites!

  246. Must you come from the countries outside of the
    United States, UK or EU, you should typically go for the
    overseas entities of the CySEC controlled brokers.

  247. Apart from the binary alternatives testimonial seals and awards we incorporated in our broker viewpoints,
    traders can read about special features these brokers offer, their trading platform, bonus offers,
    deposits, withdrawals and more!

  248. Residing in the UK provides traders 2 primary advantages, with regards to binary alternatives and Forex trading.

  249. Should a CySEC managed broker desire to open an office in the UK, as
    24option just recently did, it will have to get a permission from the UK Gaming Commission (UKGC).

  250. Titan Trade – Our most recent broker from London, UK.
    85 % return on investment for 60 2nd trade.

  251. Those of you who are looking for a solid web design tip might want to look into top level domains. Most people are only familiar with the popular .com, .net and .org, so make sure that these are available for your website in order to get as much traffic as possible.

  252. There is an excellent have to consider Webhosting SEO so as to assist web designers achieve the very best of results on their
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  253. It requires less experience compared to forex trading, yet
    binary options trading also includes a significant
    degree of threat.

  254. The personal cabinet consists of details like trading history and
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  255. After requesting an extra one from Tsohost and configuring it, everything now works high-quality.

  256. Spend your time going through their rooms to search out out what’s happened in fact.

  257. Most brokers will have a number of different approaches
    for withdrawing your funds, and each approach
    might have various times and terms for withdrawal.

  258. We can suggest them to any UK trader, safe in the
    knowledge that they will deliver a smooth trading experience.

  259. Simply wish to say your article is as surprising. The clarity for your publish is simply spectacular and that i can assume you’re a professional on this subject. Fine together with your permission let me to grasp your RSS feed to stay up to date with imminent post. Thanks one million and please keep up the enjoyable work.

  260. We have actually tested, reviewed and presented the best brokers here for your
    convenience.

  261. The majority of the Brokers understand this
    circumstance which they assured the binary options traders, if
    you are trading with a managed broker your in much safer hands.

  262. A classic binary alternatives strategy is to tie each specific trade to your total
    investment, as a percentage (e.g. 5 %) of that general spending plan.

  263. If you are thinking that you can not manage to invest that kind of money, do not fret, there are more reasons why Banc de Binary is
    the very best broker in the market today.

  264. While deposit bonus offer at binary brokers has the tendency to be from 20 % to 200 %, there are a lot of binary
    options rip-offs.

  265. Depositing Options – Trading firms that accept a large option of deposit options are typically much easier to get started with, while being readily
    accessible to more customers.

  266. You can even be provided a trading device – such as an iPad, an iPhone or a MacBook – when you transfer $2,500 or
    above.

  267. Traders must learn trading on one of the most basic possessions first after proceeding to more complicated ones.

  268. Although, some SEO web hosting strategies are expensive when compared with other hosting plans, if you do your research, checked out evaluations and
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  269. Then use the following cron entry printenv > ~/cron_environment.txt to get the variables from the cron environment.

  270. UK traders have two excellent positive aspects:
    they are allowed to trade with any online broker without restrictions; being members of the EU, they are covered by all brokers regulated by the Financial Conduct Association FCA)
    of the UK, plus the Securities and Exchange Commission CySEC based in Cyprus.

  271. While it can be difficult to track the reliability of a broker directly from the website,
    there are things you can keep an eye out for.

  272. Trade with caution, these items may not be appropriate for everyone so ensure
    you comprehend the risks included!

  273. Obviously, in order to be managed, brokers have to be well capitalized
    to begin with, so looking for controlled brokers must assist ease your mind about whether they have a huge capital.

  274. Some are more trusted than others, some are regulated brokers and some are rip-offs to be
    avoided.

  275. Many trading companies running in the UK are regulated by the FCA, but for the binary alternatives instruments they have to have a different approval
    from the UK Gambling Commission.

  276. All-natural organic components, for example lavender,
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  277. Nice article by the way in which, you hit the nail on the pinnacle, by no means go to the largest marketed hosts, they’re normally the worst.

  278. In addition, your capability to pick from over 80 possessions,
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    and integrated with a 100 % protected platform, will ultimately turn your
    trading to a rewarding and pleasurable experience.

  279. All you need to do is to find the territory that
    is most appropriate for you, select a broker,
    sign up and begin trading.

  280. Most of the brokers accepting US-based traders
    have trading platforms that are perfect.

  281. When you run with a regulated binary options representative you take satisfaction in a low risk exposure
    since of the strenuous regulations that pertains to the broker

  282. It’s not constantly simple for a would-be
    trader, nevertheless, since numerous supposedly independent reviews are
    composed by affiliates and might be prejudiced towards several binary
    alternatives brokers.

  283. While deposit reward at binary brokers has the tendency to be from 20 %
    to 200 %, there are a lot of binary options frauds.

  284. There are brokers who are dealing with ending up being managed with the CFTC, however
    right now policies are merely not all that clearly specified, and since the foundation is still being laid, most offshore
    brokers are not regulated in the US or any other country as binary
    alternatives brokers.

  285. Merely click through for an option of Binary Options brokers that
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  286. United States binary choices traders have many ways they can trade with brokers who support accounts from the United States.

  287. Two nice items at a time is essentially the most it is best to attempt in a single outfit.

  288. For those SEO hosting with different class C IP but in the exact same server, IMO it must be spot easily for blog network as Google can detect footprint that all link are still come from the
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  289. There are now well over a hundred binary alternatives brokers around …
    and counting!

  290. Therefore for a common man, it is friendly to understand the value of each trading technique.

  291. Regrettably there is no golden trading system or technique, or not
    one we have actually found.

  292. The last concern we will be looking at in picking a great Binary Options Trading Broker is
    in the period traders are needed to wait until their withdrawn funds become available.

  293. You can register totally free as there is no deposit needed, and clients
    from Europe and the United States are welcome, as well as from
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  294. You must never work with a snug budget that is private as an excuse to forget your skin layer.

  295. Consumer assistance: we talk with the customer support to check
    how the broker has established the assistance desk that must support traders.

  296. Consider beginning binary alternatives demonstration trading accounts at all of these
    trading websites to discover your favorite.

  297. At these brokers you will have the ability to find out how to trade online, after which you can decide to proceed to advanced brokers.

  298. I like this website. it is very very helpful. Thank you for sharing.

  299. Customer assistance: At Binary Alternative Robot,
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  300. The 2nd group is comprised of brokers who are regulated by
    one of the 2 regulatory bodies.

  301. A binary alternatives trader can check a forex broker is friendly or scam on the basis of
    some qualities.

  302. As described above, there are truly two kinds of binary trading brokers legal in the United Kingdom.

  303. You must also examine to be sure there is somebody there to address any and all questions you
    may have in Binary Options Trading in general.

  304. . And binary alternatives brokers are the type of forex brokers who helps you to do trade binary alternatives with their platform with some extra benefits.

  305. Always include a clearly visible tagline on each webpage in the domain and sub-domains. These should be in large, bold text and the first thing that the viewer will see when they follow any links. This tagline will quickly inform them as to the page’s goal, offer, reasoning, or purpose and often determine whether they remain or click the “back” button.

  306. As always, we recommend that you research all brokers prior to trading with them.

  307. Since, if the single server goes down for some technical issue, your whole network
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  308. To begin with, before we start talking about overseas brokers, let us
    clear up the matter of whether trading binary
    alternatives in the United States is legal at all.

  309. . The trading platform is run by extremely trusted software application, which makes sure
    the greatest quality in trading.

  310. In addition, your ability to pick from over 80 possessions, trade with complete
    command on mobiles and tablets with Opteck App- anytime and anywhere, and combined with a 100 % protected platform,
    will ultimately turn your trading to a pleasurable and
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  311. These constraints have actually resulted in 2 distinct groups of Binary Options brokers that accept US traders.

  312. Fascinating post. I’ll be sticking around to find out much more from you fellas. Cheers!

  313. ITX Design provides shared, VPS and devoted hosting perfect for gaining the best SEO possible.

  314. IQ Choice runs a proprietary platform that substantially
    varies from other generic platforms in use by lots of binary
    brokers.

  315. There’s one unwritten rule amongst the trading audience and according to it all
    the best binary choices sites have the most attractive bonus
    types ever.

  316. When you have a broker like Binary Option Robotic, the more money you need to trade with,
    the more the revenues.

  317. The majority of the brokers accepting US-based traders have trading
    platforms that are irreproachable.

  318. We have, as mentioned above, chosen several Binary Choice trading
    websites that invite Canadian consumers and clients, and as such to allow you to be in a more informed position in regards to which ones you may want to
    open an account at, below you will discover a summary of our
    top rated Canadian Binary Option websites.

  319. Your stake per trade will then shrink in line with your balance if you lose, minimising danger;
    alternatively it grows when your trades enjoy some success, thus increasing
    your profits.

  320. Is. The basic amount of assets is typically above 30, so avoid platforms that have only 10-15 assets just, due to the
    fact that they will restrict your activity.

  321. Withdrawals: we warn traders if withdrawal requirements are
    too high, or if it takes a long time to obtain the cash back.

  322. The IIROC has the power to set and implement laws in the Canadian securities and trading markets, however this doesn’t truly use to
    the online world, for that reason Binary Options trading is allowed all parts of the nation.

  323. The market is not coming again to HK for these kinds of issues. They’ll set up pawnbrokers in Japan and Korea too.

  324. These sorts of earrings called for a substantial amount of precious alloys and gem stones therefore had been extremely hefty, which meant that most individuals that wore them handled elongated earlobes.

  325. Muscle mass troubles that do not disappear also after your doctor has recommended you
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  326. Take a look at each brokers platform and use a binary trading systems contrast to discover which website is best for you.

  327. This site is independent of binary brokers featured on it.
    Prior to trading with any of the brokers, customers ought to see to it they comprehend
    the risks and check if the broker is certified and regulated.

  328. . Carry out research to come up with a breakdown which hosting companies are the
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  329. Some brokers will even provide a small pay-out for traders
    who’s trades are out of the money” which suggests you earn money even when you think incorrect.

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  332. For example, if a broker is certified in Cyprus then that broker is legally allowed to operate in the UK as well, due to the fact that the online trading laws
    and regulations of Cyprus are more of less the like the ones of the UK.

  333. The Banc de Binary firm accepts different types of payment and transactions can be made via various techniques, which include Cartebleue, Diners Club perfect, Skrill, Amex, MasterCard, Visa, Maestro, or bank wire transfers.

  334. However, traders can not enter into business with simply any one of these brokers.

  335. However, you can only make one complimentary withdrawal each
    month, and you will be charged 30USD/20GBP for any extra withdrawals.

  336. You will not find a more populated list of assets that
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    that you will discover with 24Option.

  337. Companies on the Cloud are additionally separated, must you experience a difficulty with FTP, your e-mail would continue to work without disruption.

  338. It is necessary to additionally follow the procedure
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  339. It is therefore likely that traders from the UK will wish
    to pick a broker that is regulated across
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  340. The personal cabinet contains info like trading history and banking deals.

  341. I’ve been with tsohost I couple of years now and am actually pleased with the service.

  342. A dedicated SEO server will also save you from the trouble
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  344. As leaders & leading the market, their platform remains
    to be the first option for traders who are looking for the easiest, fastest &
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  345. This is vital, as setting up a binary brokerage is rather accessible these days and this is why there are many binary alternatives frauds.

  346. Brokers based in or outside Australia are welcome to provide their services to traders in the nation, and there are a number of with fantastic offers for Australian traders.

  347. Introduced in 2011, eXbino is a trading brand run by the binary alternatives magnate:
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  348. At these brokers you will be able to discover ways to trade online,
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  349. So, if a financial provider that is licensed in the UK
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  437. At this moment in time however you are not going to find any overseas brokers who are regulated with the CFTC.

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  462. Had no issues with them.

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  477. No trading is offered or gotten by USA REGULATION
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  480. Concerning: CSA Financier Alert: Unregistered binary alternative platforms target Canadians!

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