Three in 10 Canadians plan to buy a house in next two years
Revenues climb in all business units
Knight replaces Oosthoek
Principal-protected notes won't trigger RRSP foreign content limits
Financial firms feature prominently
$300 million offering to close January 31
Imposes more than $40 million in penalties
152,000 customers eligible for refunds
Changes reflects concern over difficulties with U.S. operations
Bank takes on charges on realignment, jobs cuts