our exchange rate calculations

We update the exchange rate used in our calculations daily. To reflect a more "real life" number, we devalue the Canadian dollar by 3%. This reflects the average foreign exchange fees paid to your bank or credit card company. We think this is the most honest way of presenting the exchange rate.

As of midnight Thursday, September 2, 2010, one US dollar equals 1.0524 dollars Canadian. Thus, for our calculations we are using 1.0824, which is (1.0524 + 0.03).