The refs haven ' t favored one team at all here . A lot of missed calls and bad calls that have gone both ways . And that doesn ' t even mention how players on both teams have gotten away with things you ' d usually see associated with unsportsmanlike conduct penalties . <| sep |> PHIL 220 online was neither fun nor interesting but it was easy <| sep |> wait what happened to doc choc ? <| sep |> Actually , it ' s probably less than that when you consider a portion of the homeowning Canadians are the elderly and baby boomers who probably don ' t have mortgages anymore and therefore could truthfully say , regardless of their savings if I lose my job , I will have no problem paying my mortgage . They would also likely have lower expenses anyway because they wouldn ' t have dependents anymore .