I like the idea of laggard banks stocks and di invest in BNS when it had its hard time and like you say it has been rewarding, but what one will  emerge for 2017 of do I stay with BNS until it catches say Royal and than sell out my position? I would like a discussion on this. I also am now buying oil because when oil was well over a hundred the saudie were saying anything over a 100$ a barrel was to high for the economy. Well the arabs are greedy and so are the big Oil companies so I strongly believe oil will be over a 100$ a barrel in the next 12 months. There is OPEC, but also side deals with big oil that will make this happen. If you see a pipeline destroyed, or a fire in a big production area.. my advice is buy oil to what ever risk level you have, but rest assured oil is going up