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Lock In or Stay Variable? What Every Canadian Homeowner Must Decide Before April 29

   Bank of Canada headquarters, Ottawa. Overnight rate held at 2.25% since October 2025. Next decision: April 29, 2026.  The Bank of Canada has held its rate at 2.25% for three straight decisions — but with inflation creeping back up, a Middle East conflict pushing oil prices, and over one million mortgage renewals on the horizon, the stakes of getting this wrong have never been higher. The Canadian Money Brief April 25, 2026 6 min read THE CANADIAN MONEY BRIEF BANK OF CANADA 2.25% 2.25% POLICY RATE HELD SINCE OCT. 2025 · THIRD CONSECUTIVE HOLD NEXT DECISION: APR. 29, 2026 If your mortgage is coming up for renewal in the next six to eighteen months, the question keeping you up at night is probably this: do I lock in a fixed rate now — or do I ride out a variable rate and hope the Bank of Canada does something helpful? It's the right question to be asking. And right now, the answer is more complicated — and more consequential — than it has been in years. The Bank of Canada...
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The Safest Seats on an Airplane: Where Should You Sit?

 

When booking a flight, we often consider factors like legroom, convenience, and views. But what about safety? Which seats offer the best chance of survival in an emergency? Let’s explore the data.

Air Travel Safety

First, it’s essential to recognize that air travel is remarkably safe. In 2019, there were approximately 70 million flights globally, resulting in only 287 fatalities. The odds of dying in a plane crash are about 1 in 205,552, compared to 1 in 102 for car accidents.

The Myth of the Back Seats

Contrary to popular belief, sitting at the back of the plane isn’t necessarily the safest option. The infamous 1977 Tenerife disaster, where a KLM Boeing 747 collided with a Pan Am 747, showed that passengers at the front survived better than those at the rear. Luck, impact distribution, and proximity to exits all play a role.

The Data

A 35-year study by the Federal Aviation Authority (FAA) sheds light on seat safety. Here’s what it found:

  • Middle Seats at the Back: These have the lowest fatality rate at 28%.
  • Aisle Seats in the Middle: These are the second-safest, with a 44% fatality rate.
  • Middle Seats on Either Side of the Aisle: These are the riskiest, with a 44% fatality rate.

Why the Middle Seats?

The middle seats at the back offer better survival odds because they benefit from the buffer provided by having people on either side. Additionally, sitting next to an exit row provides a faster escape route, assuming no fire blocks the way. Avoiding the front and wings (where fuel is stored) is also wise.

Remember, though, the chances of a plane crash are incredibly low. So, when you choose your seat, balance comfort, views, and safety. 


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