text: "Why do you have to wait for an outsider’s input before reforming your sales culture?" - because it's working! 
  
  This is probably just another odious example  of plausible deniability on the part of the president which is not unusual amongst corporations seeking competitive advantage.  Of course all of the banks are doing it and so their respective boards of directors are unlikely to stop the practice or to penalize or terminate those responsible.
  
  It's time the Financial Consumer Agency of Canada intervened in these practices although as usual they are missing in action.