Online Discount Brokers Review For Canada And The USA 2018


The world is becoming ever more interconnected and information is flowing at a rapid pace. “Fintech”, or financial technology, is taking the world by storm and old methods of doing business are disappearing. We now have access to amazing tools on the screens of our phones and computers. This article is about one such tool – your brokerage account. In particular, this article covers the best discount stock brokers in the US and Canada for 2018.

Before we get to the broker review, here is a quote from Bruce Lee – “I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times.” Why are we using this quote? Much of the investment and trading world is repetition, and the earlier you start the more repetitions you can make. Warren Buffett, one of the greatest investors of all time, started investing when he was just a child. The one advantage that Buffett did not have, was a plethora of online brokers at his expense.

Here’s an interesting story for you: A college student was given a book titled “Learn to Swim”. He read that book every day for 30 days and then became an Olympic champion. Doesn’t make sense, right? How can reading a book make you good at swimming, let alone an Olympic champion? You can’t learn if you don’t jump into the pool! Books are a great way to learn, but sitting at home reading a book is not going to prepare you for the markets. A combination of the two is an ideal method for success.

The same is true for trading and investing in stocks. You cannot learn to invest unless you start trading with real money. Practice accounts work well, but there is a certain pressure placed among investors who are involved in the markets with real money. You have to become familiar and comfortable with that pressure to succeed. A lot of the discount brokers in this review offer zero minimum deposit to their clients for this very reason.

These 10 dividend giant stocks are perfect for your new investment portfolio.

Why should I go through the headache of trading and investing through an online broker? Why not just invest in a mutual fund?

The answer – we now live in a different world. Lets explain why:

First – there is no reason to pay the exorbitant high annual fees and potential front-end or back-end sales charges to mutual funds when ETF indexing is on the rise.

Second – investing in stocks is a learnable skill and there are more resources now than ever to get you started. We have one such resource on our website that teaches you how to buy stocks here.

Third – the internet has made it possible for common folks such as you and I to have access to information that analysts a few years back could only dream of. This means that investing is an informed and calculated decision rather than a game of Russian roulette.

Fourth – you have already been thinking like an analyst all these years whenever you bought something. The process of research, comparison, investment based on future potential etc. It is something that we do all the time! Investing and trading will only sharpen these skills and help you in other areas of your life.

Finally, the most successful people on this planet own something; that is why they are successful. They have either money or people working for them around the clock. If you own a stock in a company such as Apple or Coca-Cola then you own something that will work you for you even when you are sleeping.


Now, let’s look at the flip side. What will happen if you don’t learn to invest?

If you don’t speak the language of the market then you won’t know when your analyst is trying to sell you a sour deal. That is what led to the financial crisis of 2008, and the dot com bubble of 2000. If people were aware of the basics of the markets then they would have never made those subpar investments.

So what’s the first step? Where should you start?

The only way to jump into the metaphorical pool is to have a pool in the first place, which in this case is a brokerage account. Selecting a broker can be difficult task because there are a number of factors to take into consideration. However, we have made things easier for you by reviewing these discount brokers based on 4 main criteria:

Cost/price point: This is important because high fees will eat into your profits.

User Interface: Better interface means easier trades.

Extra tools (research and reporting): Better information leads to better decisions.

Bonus section: (for those who want a bigger bang for their buck!)

Before we begin, a little on the brokerage industry in general.

The dynamics in the business have changed considerably over the past few years and consumers are slowly and surely gaining the higher ground. Gone are those days when a select group of individuals had control of the market. During those years, brokers depended on sales skills and demanded high commissions from both the consumer, and the exchanges. Technology and changes in government regulations led to an increase in competition and consequently, a decrease in the fees and commissions.

Life has become difficult for brokers and they are trying to beat each other by offering better services in every way possible. There was a time when Canadian banks used to charge $29.95 for every transaction and discount brokers such as Questrade were the new kids on the block.

We are lucky to be alive in such a time of change and innovation. The market is not an exclusive playground for the rich anymore!


Now, let’s begin with the evaluation of the top discount brokers in the US and Canada

There are hundreds of brokers and it would be inefficient to review all of them. Therefore, we will focus only on the top 5 discount brokers in the US and Canada. It’s important to know that most of these American brokerages are open to Canadians!

The top online discount brokers in Canada that made the list were:

  • Questrade
  • Interactive brokers
  • Qtrade
  • Virtual brokers
  • Scotia Itrade

The top online discount brokers in the USA that made the list were:

  • Etrade
  • TD Ameritrade
  • OptionsHouse
  • TradeKing
  • Merill Edge


Stocktrades Top Online Discount Brokers Of 2018 Canada





User Interface


Extra Tools




top online discount brokers of 2018 - Questrade Review

Stocks: $4.95 minimum/ $6.95 maximum

($0.01c per share)

Options: $9.95 +$1 per contract

ETF’s: Any North American traded ETF is FREE!

Amazing user interface for both mobile, desktop and web based.
Clean, modern and friendly with a rich set of features. Definitely wins this category.
Minimum cap for trades might not suit all investor typesAlso offers a lite version of the web based for fast access
Research platform and advanced data subscriptions
-Free transfer from other brokerages
-1 month free trades and advanced data with $25K funding
$50 dollars in free trades when you signup through Stocktrades.


Interactive Brokers

2nd best top online discount brokers of 2018 - Interactive Brokers Review

Stocks and ETFs: $0.01c per share, minimum of $1.00
Options: $1.25 per contract, minimum $1.50 per order
At first glance their desktop and mobile app look a little bit technical, but don’t let that stop you. Full featured with plenty of depth. $10,000 minimum balanceAccess to over 50+ markets
Ability to implement trading algorithms
With the trader referral program you can receive a bonus of up to $200 if you send an invitation to someone you know, and they end up opening an account


Virtual Brokers

4th best top online discount brokers of 2018 - Virtual Brokers Review

Stocks: $9.99 per trade (4.95 if over 150 trades per quarter)
Options: $9.99 + $1.25 per contract

ETF’s: All ETF’s FREE!

Clean and easy to use web platform, the focus is on simplicity. Up there with the best of them in terms of usability.
Multiple desktop platforms available depending on the level of data you need and other features (e.g market routing or charts)
Most expensive trades of the groupFully fledged research centre for equity, mutual funds, bonds , technical analysis etc.Cash referral program
Various contests to win items likea Apple gift card and Apple watch.
Advanced research data (5i research) available when an account with a minimum of $1000 is created



3rd best top online discount brokers of 2018 - Qtrade Review

Stocks: $8.75 per trade ($6.95 if >150 trades per quarter)
Options: $8.75 + $1.25 per contract ($6.95 if more than 150 trades per quarter)
ETF’s: Free if you choose from their list of 60 ETF’s otherwise $8.75 per trade
A bit more of a plain looking user interface. It does the job, without some of the extra frills.
Has the extra financial planning tools to supplement as well as a good mobile app and support for the apple watch (if that is important to you)
Limited selection of free ETF’sIn depth research and analyst reportsTransfer $25,000 or more and Qtrade will reimburse your transfer-out fees up to $150.
Invest by February 28, 2018 and get up to $1,000 cash back.


Scotia Itrade

5th best top online discount brokers of 2018 - Scotia Itrade Review

Stocks & ETF’s: : $4.99 if you make 150+ trades per quarter. 50 commission free ETFs.

Options: $6.99 + $1.25 per contract

A carefully designed interface that is easy to navigate and quite comparable to that offered by Questrade.The fees are low only when you make a certain number of trades. Otherwise commission structure is tiered. Check it out here.If you are trading with Scotia, you are trading with one of Canada’s biggest banks, which in turn means excellent customer service. They also offer real time streaming with their flight desk platform.Referral system: 50 free trades or up to $100 in cash if your friends open a new account with Scotia Itrade.
Get up to $500 of free trades depending on the amount of money you deposit in the account.


Stocktrades Top Online Discount Brokers Of 2018 USA





User Interface


Extra Tools



TD Ameritrade

best top online discount brokers in USA 2018 - TD Ameritrade Review

Stocks: $9.99 per trade.
$9.99 plus $0.75 fee per contract
No commission on free etfs and $9.99 on others.
There is a choice between two platforms based on your level of experience. One is for experienced traders which provides tools such as back testing and a huge array of features. The other is a lighter version aimed towards beginners.
Ameritrade also includes a mobile app in case you want to track the market on the got first glance their desktop and mobile app look a little bit technical, but don’t let that stop you. Full featured with plenty of depth.
The fees are on the high side in all areas.
In terms of ETFs the company will levy a fees for short term trades (less than 30 days). 
Access to high-quality research and data without any extra cost. This includes streaming from CNBC and analysis from organizations such as Morningstar, S&P Capital IQ, etc.$0 account minimum which is highly beneficial for beginners.

A great reputation for exceptional customer service that includes 24/7 support and 100 local branches to meet with a representative in person if needed.


Options House

2nd best top online discount brokers in USA 2018 - OptionsHouse Review

Stocks: flat fee of $4.95
Options: $0.50 per contract + $4.95 base. Only one base charged per spread

ETF’s: $4.95 flat fee.

Web-based platform that is designed for fast and easy execution.
The interface is state of the art as the services were exclusively focused on professionals in the beginning.
Very thin on commission free ETFs.This broker is specifically geared towards options traders and offers professional grade tools for that genre.
A virtual trading platform where you can trade with virtual money to test the waters. 
Again, no minimum like TD, which is great for beginners.
Suitable for active traders as there is no penalty if minimum number of trades is not achieved.
Get 60 days of free trades by depositing $5,000 into a new account if you sign up through Stocktrades. (expires: June 30, 2018)



3rd best top online discount brokers in USA 2018 - Tradeking Review

Stocks: Flat rate of $4.95 and $0.01 per share on the entire order for stocks priced less than $2.00.
Options: $4.95 plus 65 cents per contract.
Offers a web based platform which means that you can trade from different computers with ease.
A highly customizable and user friendly interface without compromising on features.
$50 dollar inactivity fee will be charged if you don’t make at least one commission charged trade or have a minimum balance of $2500.
Limited commission free ETFs.
Ability to make charts and technical analysis, which is great for the visual learners.

A number of calculators to help you come up with the right numbers.

$1000 dollars in free commission when you fund an account with over $5000 and sign up with Stocktrades
A social network for traders where users can trade ideas and share strategies.
If you trade more than 10 times a month then you get customizable data and real-time streaming quotes.


Merrill Edge

4th best top online discount brokers in USA 2018 - Merrill Edge Review

Stocks & ETF’s: $6.95 flat rate
Options: $6.95 +$0.75 per contract and $29.95 + $0.75 per contract for telephone assisted trades
Two options: Website trading and an active trader platform called Merrill Edge Market Pro.
Both of these options are carefully created to provide an interactive and intuitive feel.
The MarketPro platform requires Java and is available to only those who maintain a balance of more than $50,000.
Level II quotes are available to only those who make 30+ trades per quarter.

Merrill Edge is a subsidiary of the Bank of America. As a result, if you have a BOA account then you can have benefits such as real-time transfers and checking balances with a single login.
Access to research from the broker’s own research house called BofA Merrill Lynch Global Research.
An ongoing promotion which gives 30 commission free stock and ETF trades each month to users with a balance of $25,000 or more.



5th best top online discount brokers in USA 2018 - Etrade Review

Stocks & ETF’s: $9.99 per trade; $7.99 with 150+ trades per quarter.
Options: $9.99 +$0.75 per contract


Two platforms: E-Trade 360 and E-Trade Pro.
Basic users and beginners who want to track their accounts, watch stocks, view steaming market data and make trades will be more than happy with E-Trade 360.
The commissions are among the highest and access to the advanced trading platform is contingent on requirements that a beginner cannot or may not want to afford. Users can install a Google Chrome plug-in which allows them to research and trade from their browsers. The extension is pretty intelligent as it can scan news stories and stocks symbols, process the information and then display the price and other data in real-time.Offers a number of educational resources such as online seminars on topics related to retirement planning, stock market basics and analyzing trade ideas.
Great interactive widgets for retirees that work with user’s actual financial information

$600 dollars free when you open an IRA with 250k+, or transfer your IRA from another firm to Etrade.

Plus get 60 days of commission-free trades when you open an account with $10k or more


Our top pick among US brokers is TD Ameritrade.

TD’s fees are among the highest in the industry, but the customer service offered along with the platform are hard to beat. Their research and trading tools are excellent and cater to the needs of everyone, whether it be a beginner or a seasoned investor. Also, TD recently acquired Scottrade which would make the conglomerate the biggest in terms of number of brick-and-mortar customer service outlets.

Optionshouse and TradeKing are tied at number two. OptionsHouse is an excellent discount broker with an exceptional user interface, but it might be a bit overwhelming for a newcomer. Also, it lost points to Ameritrade in the customer service and education for beginners departments. However, the low fees offered by the company are hard to beat, and the platform will become a lot more enjoyable once you get a feel of the interface.
Tradeking is a broker that has the potential to finish at the top, but goes down in the ratings because of its inactivity penalty – accounts without any commission-generating trades in the past 12 months and a combined household value of less than $2,500 are subject to a $50 inactivity fee. If this inactivity fees is not a deal breaker for you then Tradeking should be your first choice.

At number three we have Merrill Edge. Merrill Edge has an excellent and informative interface but a higher fee structure than those of other brokers. However, investors who have more than $25,000 to invest can take advantage of 30 commission free trades per month – an excellent bargain!

For Canada, the top online discount broker in 2018 is Questrade.


Questrade wins our broker review again. With our Questrade review, we have found it is a very well-rounded broker accessible to most investors. Furthermore, it has the second lowest prices, no minimum deposit and free ETF’s – this is a HUGE plus for the average investor. We aren’t the only ones either. Most Questrade Reviews rank them number one of all the discount brokers available.


In our Interactive Brokers review we found they were a very a close second to Questrade. They score high on affordability but loses on functionality to Questrade’s platforms as well as the $10,000 minimum which is a tough pill to swallow for those new to investing.

Should I stick with a big bank instead of a discount broker?

In the year 2016, Royal Bank of Canada was our top pick among the big banks. It had made drastic changes and reduced its fees significantly, a reduction of 66% from $29.95 to $9.95. Furthermore, RBC was pouring huge amounts of money into further developing its trading platform, and we expected things to continue in a positive direction. However, that has not been the case. As a result, we do not have RBC Direct Investing on the list anymore.
TD and Scotia ITrade were honourable mentions in 2016, but now, Scotia Itrade is among our top picks. The reason – an extremely easy-to-use and intuitive interface that cannot be matched by any of the big banks, and a competitive free structure. CIBC has a rate at $6.95 but is lagging behind in terms of functionality and interface. BMO InvestorLIne, another great trading platform with a state-of the art user interface, but extremely high fees. Unless you make a good amount of profit on each of your trades, the fees will always eat into your profits.

However, in the end, big banks are no match for other discount brokerages on our list for one big reason – a complicated fee structure. Even though the fee may be advertised as “flat-fee”, that is true only when you make a certain number of trades. For instance, with Scotia you enjoy a $6.99 rate only when you make 150+ trades per quarter. Hence it would be best to shy away from the big banks for now but keep a close eye on the changes that they are making to their platforms and fee structures


In the end, your broker all depends on your preferences


In the end, we want to point out that what may be the best for a retiree may not be the best for a young college student. However, you should not get bogged down in an attempt to pick the perfect broker.
The longer you wait the more opportunities you miss. Imagine being someone who had invested in Microsoft or Netflix at the right time. Many people did it, and made a huge profit! Why not you?
Still not certain? Below are some more criteria that you can use to make a decision.


  • Availability of an amazing mobile app or desktop platform.
  • Access to more than the US/Canadian Markets.
  • Ease and speed of transfer in-between brokerage/bank accounts.


Again, Questrade and TD Ameritrade win in all of these categories.

But you may be someone who wants specific order routing, and in this case Virtual Brokers is the right choice. Scottrade may have a low rating in our table but no one can compete with them in terms of the number of local branches they have and the personalized service. If you are a social butterfly then TradeKing has an online network where you can interact, learn and make friends with other traders.

Just like buying everything in life, whether it is a car, or a meal at a restaurant, you have to weigh in the pros and cons of each of the options.

If you want even more information then we encourage you to register for an account and get a feel of what these brokers have to offer. You can do so by clicking on the logo of the broker of your choice in the above tables.

Take the car for a spin before making a choice!

After that, make your first trade! You don’t have to be a millionaire to do that. There are plenty of penny stocks that you can trade with just a small amount of capital.
That’s it folks! The top 5 brokers in the US and Canada. We hope that you found this article useful and if you think that someone else could benefit from it then click on one of the buttons below to share.


    1. Any minimum on that drizzy? Questrade offers penny a share trading but of course the minimum kind of takes that feature away.

  1. I’d like to see how the brokers handle trade orders when there aren’t sufficient funds in that trading account in future comparisons.

    Some brokers only care that the account is funded by the settlement date while others will cancel the order before it gets executed regardless of the total funds available in one’s other accounts.

    It’s hard to set out a bunch of buy limit orders for once-a-year corrections or other reason with such funding restrictions while I’m off working or vacationing especially when the likelihood of all of them being executed are slim to none (and even if they did, that would be great!).

    It’s something I overlooked when switching online brokers and am now regretting it.

  2. It’s odd that rbc direct investing is the best canadian bank brokerage here when other sites have it ranked the worst of the big 5. Unless this were from years ago, TD and Scotia should be the top 2 for banks

  3. Hey Lerne! Thanks for the input. RBC has made some drastic changes to its pricing and trading platform(although still outdated). Along with its solid platform and it’s public investing community we felt it was the best place to start for a new trader. Our broker review will be updated in mid January for the 2017 version and you’re welcome to check back,they may very well drop off the list.

  4. Hey Wade! Thanks for commenting. Stay tuned for our completely revised 2017 edition of our broker review. It should be coming out probably in late January. We did some very intensive research on all the discount brokers and the big banks, and this list is sure to change.

    1. Thanks for the input Sunny Jack’s. We definitely agree BMO just couldn’t make the cut. Unless you have a ton of capital they just aren’t good enough right now

  5. @WADE: I have BMO Investorline (since 2 yrs), Questrade (since 5 yrs) as well as TD Direct Investing (ssince 1 yr).

    – BMO platform; their free platform is garbage, unless you have 250,000 (for streaming quotes) or 500,000 or trade 30 (for market pro level 2). Not suitable if you do not qualify under above 3 conditions. They do not have any option to buy data feed or change platform if you do not qualify (above 3 conditions). Very rigid and not recommended.

    – TD: i just use their free web interface which i use and their graphs had bugs where price doesn’t change and just ticker changes, cannot change colours of all moving avgs and looks so similar, that even with 5 inchs closer to the screen, it’s hard to differenciate which is which MA. The chart does not fill the entire screen! Very premitive program. It is total grabage with bugs and very user unfriendly.

    They do have Advanced platform, which starts at $30 (free for 30 trades / qtr) for streaming quotes and charts else a 15 min delayed plus $10 for each exchange’s level 2 feed.

    Questrade’s data package starts at ($19) and free if you spend around $50 on trading commission.

    I find questrade platform very easy to use and very user friendly. Apart from their commission price, data package, i find their commission free ETF (one sided only ie when you buy). You still have to pay ETF commission when you sell it.

    Other than trading commissions, platform, data package there are other fees for options i.e. when you are assigned option, BMO charges $61 or 62 something and Questrade is $24/25

    TD and Questrade: they offer multi leg options so and they both charge only 1 time transaction fee for multilegs. Lot’s of savings.

    BMO does not support multileg and they charge commissions for each leg.

    Over all, i would say, BMO ends up very rigid and expensive, TD – cheaper for options but the free platform is total GARBAGE Questrade: cheaper commissions, cheaper options, better platform, cheaper level 1 data package (streaming quotes). However, for level 2, they charge $89 and it’s free if you spend (if i am not mistaken) it’s around $400 .

    BMO is good if you have more than $250,000 or do 30 trades per quarter or just have 500,000 in your account.

  6. The information wrt Questrade is incorrect. Only BUY on the ETFs is free. You pay fees when selling. Also there is ECN fees. Both these costs don’t apply thru’ Qtrade 60 Free ETFs

  7. I have used Questrade for the last 6 months or so and am not very impressed. I miss features on the platform that would make keeping track of profit/ losses. I have been trying to set up a corporate account for months and weeks go by without any response. Even after the last document were sent in, after talking with service reps, I get more emails that more info is needed, and when I ask what, I receive no response for weeks, despite renewed mails. Very frustrating, but from reviews I see no better platform, otherwise I would be long gone.

    1. Alex, that is so disappointing! We are huge advocates of Questrade, I have been a client of theirs for over 5 years. You have tried to contact them via phone? I have never once had any problems with Questrade customer service, often getting the problems I have had solved within the hour.

  8. Questrade sucks. Based on this and other reviews I opened a Questrade account. I installed the app on my iPhone to see how that would go and upon opening the app was greeted by a message saying the developer need to update the app because it’s slowing down my phone. Not a great first impression. Immediately after when trying to use the app it would just crash over and over, rendering it completely useless. I tried all the usual tricks, nothing worked, and after a few minutes the app was deleted. Ain’t nobody got time for that.

    Then I tried to do some research on the Questrade website, but every time I tried to look up a fund or stock, the page would freeze and crash. A quick Google search revealed that the webpage was written using Microsoft Silverlight. My browser (Google Chrome) no longer supports Silverlight because there are too many security holes, so Questrade’s answer to those who use Chrome is to use another, less secure browser that will still run the Silverlight plugin. It appears they have been talking for a long time about updating their website to conform to modern internet standards, but when (or if) that will drop is anyone’s guess. Part of the reason I went with Questrade is because of the low fees, but I will pay a little more if I have to for something that actually works. After 1 day and no transactions I withdrew my funds and closed the account. The whole experience was a big waste of time.

    If they can’t be bothered to update their code to keep it current on the exterior of their platform then I can’t be bothered to give them my business.

    In the review above, this is what it says about the Questrade user interface: “Amazing user interface for both mobile, desktop and web based.

    Clean, modern and friendly with a rich set of features. Definitely wins this category.”

    Really? If I was to review the reviewer using the same criteria as above, this one would get ★.

    1. Sorry to hear that Larry. Me personally, I have never had a problem with the Questrade mobile app( I have a Samsung S7) and Chrome is the only browser I use, and have never had a single crash on my computer.

      I was going to say contact customer support but I assume you’ve already done that. Everyone has bad experiences with certain companies, I had a Virtual Brokers account and had nothing but problems with it before I switched to Questrade, and a lot of people love VB.

      If you have the capital, maybe you could go to Interactive Brokers. In my opinion, they would be number one IF their account minimums weren’t so high.

  9. As a new “want to be” online investor, which is the better company so I can get advise on how to online invest?? Do any one of them tell you how to go about it??

    1. Hey Bruce. Questrade offers professional help obviously at a cost, but they have a promotion right now where you get your first month free when you open a professionally managed account with them. But that is them managing your funds. As far as teaching you how to invest, that is a very broad spectrum. Lot’s of them will have free guides and such but if you want in-depth knowledge most of them are going to want money, or manage your funds themselves for a fee.

  10. Hi, I am a beginner penny stock trader ($0.50-$10 stocks is what I will be trading) and am having difficulty picking a broker. I was going to go with Interactive Brokers but in their application you have to have a net income >$40000 USD to open a margin account (I live in Canada so that would be about $50k for me) and I currently don’t make that. Minimum deposit doesn’t matter as I can deposit over $10k need be. I am mostly concerned with 5 things: 1)Cost per trade, 2) quick executions, 3) available shares to short, 4) Being able to easily see real time P/L, 5) Since I will be depositing in $CAD and trading the NASDAQ and OTC markets I believe I will have to convert to $USD, so I will need a low conversion rate.
    I have the software StocksToTrade so I don’t need any research features. Just a good broker for strictly orders.

    1. Hey Justin! This really depends on the number of trades you will be making. Scotia Itrade if you make 150 trades a quarter has a very reasonable $4.95 flat fee, and their exchange rates are fairly decent. That being said, Questrade pretty much wins in every single point you have asked about. With their Questrade advantage program, you can save a ton of money on commissions(either choose 1 cent a share 6.95 max or 4.95 flat fee) and depending on how much you trade, you can also get their advanced market packages for free(this is what you need to initially get the advantage package commissions). I don’t short sell too many stocks, but I can’t imagine you would have any difficulty with Questrade in that area. Questrades IQ Edge platform has a live P/L ticker at the top of it that updates whenever there is a price change in a security you own. I’ve been with Questrade for over 5 years since coming from IB and I have never had any problems.

    1. Hey Gene, thank you for commenting! As far as stocks and etfs in Canada and the USA, you can 100 percent purchase those through Questrade. As far as international stocks outside of North America, I am 99 percent positive you cannot do so through Questrade. Check this article out from the Globe and Mail though on how you can work your way around it

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