Cat:
Actually it is no sense. 
What makes these GICs "lame?" They have the same guarantee as any GIC from any institution that offers GICs with CDIC insurance. The risk of loss (essentially zero) is the same with HCG, BMO, RY, CM or aany of the big banks' GICs. If HCG's GICs are somehow, in your world (wherever tha is) "lame", then all GICs are "lame." And just because you somehow come to that incredible conclusion, that does not make them so.
SFI