I know a lot of offices in Calgary and Edmonton were vacant and there were lots of lay offs. 

It gave me flexibility against corporate downsizing if I happened to get caught in a crossfire of layoffs, if I wanted to take some time off to go find another job, or if I wanted to move to another far off location.

If you are hurting and are in financial trouble apply, but there are millions of business out there that need these funds and the idea that some might just want to take the funds cause its available could mean that the local restaurant misses out, or the local toy store fails cause they didn’t get the funds because they ran out, or the mom and pop hardware store has to lay off their employees for good.

Duriung the off season they lay off.  

AI intervention on layoffs I think will take more time, but when it happens it's drastic.

ya and when the inverted curve is being normalized, say 30y is higher than 2y then that's the sign that recession and stock market crash is always happening hahaha ;-) it's very counter intuitive, we are in similar time to where bear stearns being wiped out in 2008thing is , we are at the longest inverted curve ever for the last 30 years so chance are actually higher, but since everyone is waiting for that, it may happen (or not) lolone thing for sure is we have more layoffs in 2024 and that would impact physiologically speaking how investor put their money moving forward.Layoffs + still very high cost of capital.

Big Gov. is gonna come like Robinhood to take from the almost poor, and give to the perpetually poor. 

Layoffs in mortgage started in May 2022.

I was laid off as part of a group layoff 3 weeks before the end of the year….so I missed it by 3 weeks.  

With all the tech layoffs one hears people still are willing to bid up.