CONTENT 03-04 About iinta MUSIC 07-14 Whigfield: Having Fun on Saturday Night SPORTS 16-21 NHL's Walt McKechnie: Hockey to Politics Aviation 24-29 Helicopters: An Introduction to Rotary Wings Business 31-35 Break-Up the Banks: Too Big to Fail? Wellness 38-41 Autumn Immune: Protect Your System Beauty 43-55 Bring My Skin to Life: Benefits of Exfoliation Cuisine 58-60 Zaher's Test Kitchen: Pumpkin+Apple+Bacon Soup Wine 62-64 CB Wine Program: Wine & Cheese At Your Fingertips
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Previous Edition
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PAGE 04
Photography
Acrylics
Indigenous Artwork
Music
Literature
Travel
Aviation
Automobiles
Yachting
Sports
Wellness
Beauty
Live Edge Wood
Real Estate
business
Cuisine
Wine
Fashion
Trendy Memorabilia Arrivals
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IINTA CREATIVE ARTS MUSIC
PAGE 07
WHIGFIELD HAVING FUN ON SATURDAY NIGHT
All Photos provided by Sannie Carlson
Sannie Carlson Radiates Joy & Love By Jennifer J. Lacelle October 29, 2021
A melody echoes through the air,
Chart (1994); selling over 1-million
dancing with the wind and rippling
copies of Saturday Night
through time, as the music makes
became
its way around the globe and
across the world.
an
overnight
as
she
sensation
eventually into the history books. Shape of the World Whigfield, Sannie Carlson, found her
Carlson’s father was a civil engineer
place in the Guinness Book of
and he obtained a job out in West
Records for being the first debut
Africa along the Ivory Coast when she
singer to reach #1 in the UK Singles
was six years old.
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PAGE 08
The whole family ended up moving
whatever I was listening to,” she
and the world changed before their
chuckles. “I think when you’re a child,
eyes.
if you’re lucky enough to have parents that listen to their kids and let them
The Danish school system was much
do what makes them happy, you’ll
freer, which was very different from
play
the French schools Carlson and her
doing what you love.”
throughout
your
life.
You’re
brother were now attending. “The school days were so long,” Carlson says. “I mean, really long!” Due to her father’s job, they moved every 2-3 years and this meant seeing
different
regions
and
countries in Africa. She remembers learning a number of languages, getting to see the way other people live and taking it all in like a “sponge.” She
also
comes
from
a
rather
musical family; her father was in a country and jazz band and her mother was a trumpet player. When she was four, her grandpa — a
She also says she was lucky to have a
violinist — built her one to play as he
great deal of love and affection from
thought it was a good idea to learn
her family growing up. But things
instruments. However, Carlson was
aren’t always as easy in life as we
more
would like to them to be. Carlson lost
interested
in
singing
melodies.
and
her mother at only 14 years old and recalls
“I would change the melody of
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becoming
constantly
“very
angry.”
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Being a teenage girl is hard enough
Surprise, Surprise
with
Carlson signed up for the Smirnoff
hormones
raging
and
she
recalls questioning if life was any
Fashion
Awards,
an
international
good and decided life sucked.
fashion design competition that is run by students, in Copenhagen in 1991.
“This happens to other people,” she
She created a futuristic wedding
remembers thinking.
dress and obtained a number of headlines for the design. It gave her enough confidence to head on over to Italy and show people her skills. She went to multiple fashion houses to show them her drawings and books. Carlson was asked for her measurements and became a model. It paid well and let her find other jobs. It was by total chance that Carlson stepped into the music industry. She was working as a model by day and PR in various clubs at night where she
At that point, she and her brother
just so happened to meet a DJ. As
were sent off to boarding school,
they were talking, she said she didn’t
where she remained for two years.
think she could support herself in
Afterward, she struggled deciding
music so he invited her to meet his
what
producer.
her
next
steps
were
and
needed to attend post-secondary. Having always been creative, into
It took a few days but she went to
music
several
meet the producer, Larry Pignagnoli.
languages, she considered becoming
She listened to some demos and was
an interpreter instead of a musician.
asked to perform. Within seconds he
However,
told her to stop and Carlson thought,
and
knowing
within
six
months
business classes she was bored.
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of
“Shit! This is not good…”
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PAGE 10
While Pignagnoli said she wasn’t the
the name of the city. Pignagnoli
best singer, her sound was a little
suggested writing the name down on
different (which can be good in the
her palm but she sweat through the
music industry — unique stands
ink and only the first name of the city
out). So, they asked her to do a few
was legible. She managed to say the
demos over the next little while and
first
eventually a working relationship
However, the adoring fans completed
was formed.
the name of the city for her.
When Saturday Night’s demo hit her
Carlson was still modeling at this
ears she recalls thinking it was very
point, on top of traveling for the
different,
it
concerts, so Carlson found herself
anyway. It took several months for a
working 24/7. Eventually, she couldn’t
very small label, which used to be a
handle the stress and dropped from
record store, in Spain to pick up the
modeling to focus solely on music.
but
they
recorded
part
but
not
the
second.
single. A DJ in Madrid heard the song and began playing it at his regular Saturday gig and the song blew up over
the
airways!
An
aerobics
teacher got a hold of the song and created a dance, sort of like the macarena, for it and the general public’s
interest
grew
stronger.
Carlson’s song was surged to #1 in Spain for 13-14 weeks. “I remember the first time I had to perform it [live],” she laughs. “I nearly pooped my pants.” She was so nervous that she forgot
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By the late 1990s, she had released a couple albums, but they were selling fewer and performing less shows so she decided it was time to take that vacation. The Path Unseen While on a Christmas Holiday visiting her father, she rekindled a romance with a childhood sweetheart and became pregnant, so she decided to take a longer break. She changed her lifestyle entirely over the next several months. Unfortunately, she gave birth prematurely and her daughter didn’t Soon she received a call from BBC in
survive beyond two days.
London, after a show in Portugal, where they informed her Saturday
Instead of “going crazy,” she thought
Night had flown to #1 in the UK,
that her time would be better spent
putting her in the Guinness Book of
working. Her manager organized a
Records. She began travelling the
small tour in the UK and began slowly
world at this point and flew on that
releasing
path for a number of years, releasing
couldn’t get that momentum back.
singles.
However,
they
single after single with multiple small labels.
“You know, when you’re away, in an instant you’re gone,” explains Carlson.
“That
was
madness,
complete
“Everything had to be almost like a
madness,” chuckles Carlson.
press release.”
She was welcome to take a holiday
Instead of continuing to make music,
but chose to continue this road
she decided to try the other side of
because they didn’t know how long
the business and began producing
the hype would last.
until something came along.
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PAGE 12
In 2012, Carlson released another
While she’s back to touring in 2021,
album in two versions: pop and
she says depending how things turn
electronic. But she says nothing
with COVID, she might have to go
happened on its release so she took
back to her living room performances.
another break and moved to Milan, where she met her current boyfriend
Radiating Love & Positivity
(also a producer).
Carlson was diagnosed with bi-polar disorder (which is now controlled with
The
discussion
of
revamping
medication) in 2015. She finally visited
Whigfield came up and she tried to
a
psychiatrist
because
she
knew
rebrand using her real name, but
something was off, but didn’t know
people continued to put the puzzle
what was happening to her as some
pieces together and question of her
days would be fine and others should
age.
shift dramatically. She didn’t visit a professional sooner because it felt like
“It’s not easy to try and reinvent
a taboo topic, but she’s happy she
yourself,” she says.
finally went.
But, eight years later (2020) she
“I want people to talk about it, to
released a new single called Suga
come out of your shells,” she says.
and it reached #1 in the UK’s dance
“There’s nothing wrong with you. It’s a
charts. She didn’t realize the release
disease, and if there’s something
would happen during lockdown but
wrong you can fix it. Maybe that’s why
it still reached the pinnacle of the
I’m so creative?”
charts on a “white” label and no name.
Carlson believes in remaining positive and bright in her daily life and social
When she re-released it under her
media as she interacts with her posts
name, Whigfield, it soared to #1
and fans, removing the negative ones
again!
to keep the space safe and clean for everybody who interacts.
This is when she began doing live shows from her living room.
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“We need positivity,” she says.
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PAGE 13
“We all have different problems… some can’t reach the end of the month with money or don’t have a job, but you have to give yourself some love.” Another
way
Carlson
remains
so
bright is through her sports (she’s an avid runner), good eating habits and simply
enjoying
life
itself.
She
mentions a butterfly in your garden as a small example of a tiny joy someone can find in life. “If you’re looking for problems… it must be very stressful.”
Sannie Carlson, Whigfield, is truly as bright, cheery and radiant as the bubbly music she delivers to her fans. Her latest single is complete but she’s holding onto it a little longer, however, she promises, “It will be worth the wait!”
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IINTA LIFESTYLE SPORTS
PAGE 15
WALT MCKECHNIE: HOCKEY TO POLITICS
All Photos provided by Walt McKechnie
Careers Over the Years By Jennifer J. Lacelle September 16, 2021
The city of London, Ontario has a
McKechnie, who was born on June 19,
fascinating
the
1947. He grew up in the London area
birthplace of several infamous actors
where he learned how to skate and
and musicians like Justin Bieber,
play hockey. Eventually, he would go
Rachel McAdams, Ryan Gosling, and
on to play for the National Hockey
Amber Marshall (to name a few).
League and have a career longer than
history
and
is
the majority of players. London has also raised several major NHL players like Joe Thornton, Eric
Ponds, Rinks & Playing the Game
Lindros, Jeff Carter, and Walt
All great stories have a beginning. For Walter McKechnie, it started at six
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PAGE 16
six years old when he began to skate
It was such a wonderful memory that
on ponds and outdoor rinks around
McKechnie
his community where he learned to
photos decades later when he owned
skate. He says fathers around the
his own store.
publicly
posted
the
neighbourhood would build outdoor rinks, meaning there were a number of them to play on. “I was so keen whenever there was ice time,” he says. “Whenever the guys were going, I’d go.” In the initial stages, being fairly young, he and his friends would stay off to the side of the rinks and play their own game. But as they got older, they began mingling with the others on the ice. McKechnie recalls being on those outdoor rinks with upwards of 20 players all sharing a
Traveling Teams & Gaining Skills
puck.
By the time McKechnie was 12, he was playing in both Peewee and Bantam
It didn’t take long to start Peewee
leagues,
level
while
teams. He was also playing in the
simultaneously playing in his public
Midget league, but not their travelling
school’s hockey team. The Ryerson
team. So, all at once he was playing
Public School’s team had never won
on five separate teams.
a
at
nine
years
championship
old
and
including
their
travelling
when
McKechnie was in his final year
McKechnie says to make it work with
playing with them they finally won
the travelling teams, he would play
the All Ontario Championship!
the Peewee level game and then head to the changeroom. From there,
“It was a great thrill!”
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the Bantam coach would have him
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PAGE 17
him take off the Peewee uniform
You had to work and earn your ice
and off the Peewee uniform and put
time, especially if you didn’t get as
the
much time as you wanted.
Bantam
McKechnie
sweater
would
on,
head
to
then that
team’s changeroom and get ready
Getting Noticed
to play the next game.
By the time McKechnie was 14 there was a callout from the National
It’s very different nowadays since
Ontario Western B Junior Hockey
back then there was more of an
League for all local boys to tryout for
emphasis on winning competitions,
the team.
although he notes it wasn’t at all costs. McKechnie says players and
He hadn’t thought much of it apart
coaches wouldn’t be able to play in
from getting ice time for a day, and
both leagues in today’s era.
hopefully up to a week. So, he and some friends geared up and headed
Also in those days, there wasn’t
for the tryouts. McKechnie notes he
always
between
was a pretty tall kid and that helped
teammates. If players were dogging
him stand out. But having some skill
it
also brought him to their attention.
(not
equal doing
ice
time
well),
they’d
be
swapped out for other players. The general manager approached and told him they wanted to talk to his mom and dad, but McKechnie wanted to know why. They told him they were interested in having him play for the team, but he was a minor and they needed permission from his guardians. McKechnie informed them it would be his mom and grandma, as they were who raised him. When they did meet the family, his mom asked what the problem was.
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PAGE 18
So the general manager explained that given his age they not only needed his mom’s permission, but at 14 he would be playing against people 18-20 years old. That alone came with its own risks: a higher chance of injury. McKechnie recalls his mom looking at him and asking what he thought, to which he replied, “I wanna play.” So, off he went to the Western Ontario Junior B Hockey League (WOJBHL). Within a year he and his mom
received
notice
that
the
Toronto Maple Leafs’ had drafted
This was when McKechnie decided he
him in the first round, sixth pick for
would play in the NHL and told his
midget in the overall draft.
mom not to worry.
They wrote his mother a check for
“All of us that made it, we had some
$100 and he became the “property”
God given talent and were extremely
of
dedicated,” he says. “We were just
the
TML.
However,
he
was
informed that a requirement was
committed
to
quitting his other sports, McKechnie
hockey players.”
being
professional
was a quarterback in football, and a pitcher in baseball, so that he could
Playing the Big Leagues
focus solely on hockey.
McKechnie
played
in
the
junior
leagues for six years. During that It was also around this time he was
time, they won the Junior B Nationals
kicked out of school. His mother was
and he says they had a great team set
upset and crying as they walked the
up. While he could have continued
steps out of the school.
playing in the juniors for his last year
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PAGE 19
the Toronto Maple Leafs took him to
While at a training camp in Winnipeg,
their official training camp for the
Wren Blair called him to his hotel
first year of expansions (1968). He
room and informed McKechnie they
was eventually signed for a total of
were signing a new contract with him
$8,000 Hockey
to
play
League,
Phoenix,
in
the
Western
for one year and a solid $20K — with
which
included
no more minor leagues.
Los
Angeles,
Seattle,
Portland, etc, and was shipped out.
“I remember going back to my hotel room and calling my mother, and I said, are you sitting down… I just signed a contract for $20,000,” he says. “She couldn’t believe it.” From there he went to Minnesota, then Oakland before being traded to Boston, then Detroit, followed by Cleveland and then eventually his dream team: the Toronto Maple Leafs. “The
greatest
thing
that
ever
happened to me in my career,” he says. “I played there for just over two years. There’s a saying; once a leaf, He only spent a couple months
always a leaf.”
playing when he was traded to the Minnesota North Stars: they now
After those two years he was traded
had all the rights to McKechnie. He
out and played for five more seasons
completed several games that year
on various teams before retiring after
and says he did well in the playoffs,
a strong, 17-year career.
scoring
a
goal
with
only
two
minutes and thirty-one seconds left,
After the Ice
however, they still lost the game
In 1986, McKechnie opened his own
during over time.
restaurant/pub in Haliburton, Ontario.
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PAGE 20
He called it McKeck’s Place and
“My two great careers I had that were
initially had 65 seats. By the time he
same years and length, roughly, 6
sold it in 2009, after 24 years, there
years
were
That
professional hockey and 24 years in
peewee championship photo was
the restaurant. Neither one did I make
hung up on the wall when he
any money at, but I had a hell of
opened the pub, and when his old
time.”
close
to
300
seats.
in
junior
hockey,
17
in
coach came in he was surprised McKechnie still had the picture and
What’s he been up to since selling the
even posted it publicly! When he
pub? Well, McKechnie’s currently in
decided to open McKeck’s Place, he
his third run as a counsellor for his
wanted to keep the same ideals as
municipality. He plans on running
when he played hockey.
again at the end of the term for a total of four terms, which would
“We tried to adopt the same theory
culminate 16 years.
as we always had in hockey, I always wanted to be a team player, so we
When asked about why he chose that
always called the staff as part of the
route,
team,” he says.
different from the first two, he says a
as
it
seems
particularly
friend thought he’d be good at it. He had two fantastic careers and it
Turns out that friend was right.
was being surrounded by wonderful groups of people that helped him
“I’m
get
people,” McKechnie says, which is
there.
From
coaches
to
very
all
politicians — municipal, provincial or
role
in
bringing
McKechnie to success.
job,
my
part
a
the
about
teammates, family and friends, they played
of
passionate
especially
for
federal. On that note, he believes the provincial
and
federal
levels
of
“I was very fortunate and had a lot of
government should be held just as
help along the way with a lot of
every bit accountable as municipal.
great coaches and teammates, my mom and my family,” McKechnie
“We can’t just spend money and
says.
make promises…”
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PAGE 21
IINTA INTERESTS AVIATION
PAGE 24
HELICOPTERS
An Introduction to Rotary Wings By Michel Treskin Editor Jennifer J. Lacelle October 11, 2021
One of the most difficult aircrafts to
Sikorsky, and his first helicopter was
fly
helicopter.
designed in 1912. His father was a
However, once you have mastered
doctor and psychologist while his
the controls, a whole new world
mother
awaits you. I remember my ground
professional (though never worked
school instructor telling us to believe
professionally). His inspiration came
in how a helicopter flies. That’s how
at a young age, and often theorized
aerodynamics works when a million
through
parts are working all at once. You
Leonardo da Vinci. When Sikorsky
had to be a believer!
was 12 years old, he built his first
is
definitely
the
was
his
also
mother’s
a
medical
interest
in
helicopter model (rubber-powered) The father of helicopters was Igor
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that could actually “fly.”
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PAGE 25
Pull
on
the
collective
and
the
helicopter will climb upwards. Lower the collective and you will descend. By using the combination of all three (pedals, collective and cyclic) you can manoeuvre the helicopter any which way you want. The
helicopter
forward
speed
is
limited by the speed of the rotor. different
Once the rotor speed reaches the
controls than the one of an airplane.
speed of sound then the helicopter
Helicopters have two sets of primary
will have reached its maximum speed
controls. One is called the cyclic, the
forward.
Helicopters
have
totally
control column in front of the seat, while the other one is located next to
Helicopters are complex machines
the seat (the collective). They also
but they are also quite safe. If you
have pedals so they can turn — spin
have an engine failure, the helicopter
— around to the left or right. On the
will be able to autorotate safely to the
collective, you will normally find the
ground. The autorotation principle is
throttles which are like bicycle grips.
easy to understand. Basically, when the power is removed from the main
The cyclic is the one that controls the
rotor the inertia from the rotor, with
whole rotor system; its basically like
the help of the airstream flowing in
an aircraft control. You push forward
the rotor, will keep on turning and
and you will move forward. You pull it
provide lift until the aircraft is on the
back and you will move backwards.
ground.
You move it left and you will move left. Sounds easy so far, right?
During an engine failure, the pilot will maintain a safe rotor RPM and control
The collective is a control that moves
the descent to execute a safe landing.
up or down. The collective controls
As long as the helicopter maintains a
the pitch of the main rotor blade.
forward speed during autorotation,
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PAGE 26
the more inertia the rotor has. You could say that a helicopter can glide if it suffers from an engine failure. All helicopters can autorotate, and some have special characteristics but for the most part all of them are quite safe. The cost for a helicopter licence is higher than the one of a fixed wing (private
pilot
licence).
The
complexity of the machine makes it expensive to maintain and therefore the courses are expensive. Using 50 hours
as
a
minimum
time
of
Flying
medical
evacuation,
fire
instruction on a basic helicopter, the
fighting, hydro support, agriculture or
cost could be close to $30,000
even traffic watch for a news channel
Canadian
are all possible.
dollars,
compared
to
$10,000 for a fixed wing licence. Nowadays you can buy a brand new Once you have your private licence,
very light helicopter built in Europe
you can rent a helicopter by the
for just over 100k. It will hold two
hour and enjoy the exciting rotary
people and can last 300 miles on a
world
your
tank of gas. If you have a big
commercial licence will open lots of
backyard, you might be able to keep
job possibilities.
it and use it right there.
of
flying.
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Getting
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IINTA HOME & BUSINESS BUSINESS AFFAIRS
PAGE 28
BREAK-UP THE BANKS
Too Big to Fail? By Fred Lazar October 21, 2021
Are we on the verge of another
Why am I so confident that there will
major financial crisis? Yes! When will
soon be another major crisis? As a
this one occur? If I knew the answer,
cynic, I could answer this question by
I could make a fortune. But alas, I
pointing to John Meriwether.
am just a humble sceptic who strongly believes we will soon see
He headed Salomon Brothers’ bond
another major crisis.
arbitrage desk until he resigned in 1991 amid a trading scandal. In 1994,
However, I do not know what will
he
precipitate this next crisis and when
Management (LTCM), a hedge fund
it will occur.
that went down in flames in 1998.
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created
Long-Term
Capital
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PAGE 29
After
helping
he
However, in 1998 it lost $4.6 billion in
launched JWM Partners using many
less than four months due to a
of LTCM’s trading strategies. The
combination of high leverage and
financial crisis in 2008 led to the
exposure to the 1997 Asian financial
demise of this hedge fund. Showing
crisis and 1998 Russian financial crisis.
phenomenal faith in his trading
The master hedge fund, Long-Term
strategies and the talents of the
Capital Portfolio L.P., collapsed soon
people he attracted, he launched a
thereafter, leading to an agreement
third hedge fund in 2010 called JM
on September 23, 1998, among 14
Advisors Management. This fund
financial institutions for a $3.6 billion
uses the same investment strategy
recapitalization under the supervision
from his time at LTCM. Obviously, he
of the Federal Reserve. The fund was
has
liquidated and dissolved in early 2000.
a
unwind
fixation
on
a
LTCM,
particular
strategy, one that has twice led to failure. I see no reason why his latest
Two questions arise:
fund will not meet the same fate.
A) Why did LTCM and its proprietary
The trading strategy is no longer
trading model, partially developed by
unique, and the major central banks
Myron Scholes and Robert C. Merton
are still oblivious to the systemic
(who shared the 1997 Nobel Memorial
risks in the financial markets.
Prize in Economic Sciences) fail? B) Why did the US Federal Reserve
But other than betting against John
and several other major central banks
Meriwether, I am certain that we
around the world step in to organize a
face another major crisis because
bailout and an orderly liquidation of
we have not learned from the most
the hedge fund’s positions?
recent two — the implosion of LongTerm Capital Management, and the
While
mortgage market collapse in 2008.
proprietary trading model was unique and
LTCM superior
believed to
that
those
its
of
its
LTCM was initially successful, with
competitors, the reality was much
annualized returns (after fees) of
different.
around 21% in its first year, 43% in its
developed their own “proprietary”
second year and 41% in its third year.
trading models, which happened to
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The
major
banks
had
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PAGE 30
share similar characteristics. These
Because LTCM was not the only fund
trading models used historic data to
pursuing
try predicting future asset price
because the proprietary trading desks
movements.
of the banks also held some similar
such
a
strategy,
and
trades, the divergence from fair value As
long
as
price
movements
was made worse as these other
remained within a narrow range, the
positions
models appeared to work. When a
Because these losses reduced the
shock occurred that pushed prices
capital base of LTCM, and its ability to
outside
maintain
the
historic
range,
the
were
the
also
liquidated.
magnitude
of
its
models failed. With trades being
existing portfolio, LTCM was forced to
automated,
model
liquidate a number of its positions at
triggered selling, the other models
a highly unfavorable moment and
did the same, exacerbating the
suffer
downward pressure on asset prices.
caught in the downward spiral to hell
Unlike standard economic theory
and there was no exit ramp.
that
when
implicitly
one
assumes
further
losses.
LTCM
was
orderly
adjustments to prices when there is
LTCM failed due to a combination of:
a demand or supply shock, the real
Hubris — they thought they were
world of hyper-competitive markets
the best and brightest
does
orderly
The lack of any contingency in
adjustments. When a fire breaks out
case real world events fell within
in a crowded venue, panic ensues,
the
not an orderly exit process. The
probability distributions — they
same happens in hyper-competitive
downplayed the possibility that
markets, such as financial markets.
the future might not turn out to
Mainstream economic theory has
exactly replicate the past
yet to recognize this serious flaw,
The lack of any contingency in
although there are circuit breakers
case an economic or financial
in
regulated
shock ignited a panic run for the
a
exits
not
several
financial
produce
public markets
and —
partial
tails
by
of
their
their
implicit
competitors
—
acknowledgement of the defect in
Merton and Scholes should have
economic theory.
known about the serious flaw in
indulge in the arts
iinta.ca
PAGE 31
the theoretical adjustment model
With only $5-billion in assets, LTCM
for hyper-competitive markets
had positions whose total worth was
A very high degree of leverage
over
$1-trillion.
LTCM
had
also
borrowed more than $120-billion. The Fed and other central banks feared, as did Wall Street and the too big to fail financial institutions, that LTCM’s failure would cause a chain reaction in
numerous
markets,
causing
catastrophic losses throughout the financial system and even jeopardize the stability of the global financial system. The Federal Reserve Bank of New York organized a bailout by the major creditors to avoid a wider collapse in Now for the second question, why
the
financial
markets.
did the Federal Reserve and several
supervision of the New York Fed, the
other important central banks step
positions
in stop a fire-sale of assets by LTCM?
liquidated slowly, thus preventing a
At the fund’s height, LTCM had only
collapse in financial asset prices and
approximately $5-billion in assets.
major
The hedge fund seemed to be a
central banks intervened to save the
minnow in the cesspool of financial
major banks and the global financial
institutions.
system,
held
by
financial
not
Under LTCM
were
institutions.
to
save
the
The
LTCM’s
shareholders and employees. However, LTCM did business with nearly every important institution on
The actions of the Federal Reserve
Wall Street. Much of LTCM's capital
Bank of New York did raise concerns
was composed of funds from the
among some market observers that it
same financial professionals with
could create a moral hazard since,
whom it traded.
even though the Fed had not directly
indulge in the arts
iinta.ca
PAGE 32
directly injected capital, its use of
prices
of
assets
well
beyond
moral suasion to encourage creditor
theoretical equilibrium prices.
involvement emphasized its interest in supporting the financial system.
Downward price spirals could quickly
Some
wipe out the capital of major financial
financial
institutions
were
considered too big to fail.
institutions, in particular the banks.
What were the lessons that the
The banks played multiple roles in the
regulators should have learned from
pursuit of profits, but they lacked the
this fiasco?
ability
to
fully
understand
and
quantify their real risks. There
was
growing
a
large
and
opaque
unregulated derivatives
and
market and
rapidly largely
in
other
exotic financial
There appeared to be no limit to the amount
of
debt
that
the
major
players in the financial markets were
assets. The central banks had no
able
data on who was involved, the inter-
claimed that there are optimal debt-
relationships
to-equity ratios for companies.
among
the
many
to
attract.
Finance
courses
participants, and hence, the risks inherent in the balance and off-
But the reality seemed to be much
balance sheets of all of the major
different than the theory. Was there a
financial
institutions.
Many
market failure in the debt markets,
derivatives
served
useful
and if so, what were the implications
no
economic or financial function other
for
than to facilitate gambling.
markets and the economy in general?
The so-called proprietary trading
Some
models were quite similar and the
become too big to fail. As a result,
resulting
computer
intervention by the Fed and other
financial
central banks created a moral hazard
algorithms
trading made
via the
the
financial
of
the
financial
institutions
markets even more unstable when a
for
shock occurred. The adjustments to
markets
a shock could quite easily drive
might have been encouraged.
indulge in the arts
the
stability
functioning —
excessive
of
had
financial
risk
taking
iinta.ca
PAGE 33
Fast
forward
the
This strategy worked as long as
mortgage market fiasco. At the end
investors had confidence and were
of August 2008, there were five
willing to continually rollover the
major investment banks in the US.
company’s short-term debt and short
Bear
rates did not rise.
Sterns
to
2008
was
the
and
first
to
disappear. But this company was bought by JPMorgan Chase after the Fed agreed to take over the most toxic assets. Lehman was the next to be targeted. In order to stem the sharp drops in their share price and
prevent
bankruptcy,
the
company released its third quarter results early — September 10. The
results
indicated
that
the
company was profitable and did not face any credit crunch. This time the Fed was not able to orchestrate a buy-out, thus the company filed for bankruptcy on September 15. While Lehman was imploding, the So much for supposedly robust
Fed was able to find a buyer for Merrill
financial results. Investors knew that
Lynch, the third largest investment
Lehman’s balance sheet contained a
bank.
lot of near valueless assets, and that Lehman
would
not
to
When financial markets in the US
rollover its short-term debt. Lehman
opened on the Monday following
had taken advantage of an upward
Lehman’s
sloping yield curve by borrowing
prices
short-term at low interest rates and
markets
investing in longer-term assets with
Bernanke was the Chair of the Fed at
higher interest rates.
that time.
indulge in the arts
be
able
bankruptcy
went
into
froze.
a
news, freefall
Fortunately,
asset and Ben
iinta.ca
PAGE 34
He acted quickly and introduced the
Commercial banks discovered there
most
innovative
was more money in fees than in
change in the activities and role of
interest rate spreads. Banks could
the Fed. The global financial system
originate and fund mortgages and
was on the precipice of the abyss.
keep them on their balance sheets. In
Bernanke was prepared to write a
this
blank check to buy all types of
depend on the interest rate spreads
financial assets in order to put a
between rates on deposits and rates
floor on the prices of these assets
on
and prevent massive sell-offs and
losses. The profits would also be
drastic
limited by the need to hold capital
dramatic
price
and
cuts
that
would
jeopardize the entire global financial
model,
their
mortgages,
profits
adjusted
would
for
loan
against mortgage loans.
system. On the other hand, banks could Financial
markets
did
stabilize
charge fees for originating mortgage
during that week, and the two
loans,
remaining
mortgage-backed securities that they
investment
banks
—
packaging sell,
them
and
into
Morgan Stanley and Goldman Sachs
could
managing
the
— were allowed to get bank licenses
mortgages on behalf of the investors
and attract deposits to replace the
in these securities, and since the
short-term debt that matured.
mortgages disappeared from their balance sheets, they faced no limits to
The same two questions arise:
the
Why did the mortgage market almost
destroy
the
quantum
of
mortgages
they
could originate.
global
financial system fail?
Then there were the rocket scientists
Why did the US Federal Reserve
who created the mortgage-backed
step in so aggressively to bailout
securities
and
major financial institutions?
diversified
portfolio
showed of
that
a
mortgages
greatly reduced expected loan losses. There is no simple answer to the first
Risk
question, but the following did play
Furthermore,
important roles.
producing this result was that
indulge in the arts
could
be a
diversified key
away.
assumption
iinta.ca
PAGE 35
housing
prices
would
continue
What could go wrong? The rocket
rising every year, so even when a
scientists forgot an important lesson
family could not pay its mortgage
from the LTCM fiasco — once panic
obligations, the rising equity would
sets in asset prices can go into a
ensure that creditors would suffer
freefall. With increasing numbers of
no losses.
defaults, the upward trajectory of housing prices came to an abrupt
Credit default swaps (CDS) were
end,
another
rocket
mortgage-backed securities — just
scientists. The theory behind CDS
another type of derivative — faced
was that financial markets were
significant losses. When faced with
pricing risk incorrectly; in particular,
losses and cash outflows, investors
risk was overestimated. Lobbying of
start selling, driving down all types of
the US Congress ensured that CDS
asset prices, and financial markets
would not be considered as a form
might not have overestimated risks
of insurance so that no collateral
after-all.
creation
of
the
and
more
investors
in
the
would be required to support the sale of CDS.
Why did the Fed intervene?
Go ask AIG how this turned out for
Unlike
them?
significantly more assets — $639
LTCM,
Lehman
had
billion — so it was a much larger In
order
to
generate
continued
player in the financial markets. The
in
new
mortgage
Federal Reserve did not step in to bail
originations, banks were willing to
out Lehman and its shareholders. The
accept ever declining credit scores.
Fed had become sensitive to the
Bonuses
argument
growth
were
increasingly
that
dependent on growth, and the key
exacerbated
assumption
problem
regarding
future
this
the for
would
moral large
have hazard
financial
housing prices assured investors
institutions. However, the freezing of
that there was no reason to be
financial markets on September 15
concerned about increasing credit
(inter-bank
risks.
complete stop) and the fear of a
indulge in the arts
lending
came
to
a
iinta.ca
PAGE 36
collapse in asset prices that would
I do not have an exhaustive list of
drag down all the major banks and
possible interventions. But let me
possibly the entire global financial
suggest some of the more obvious.
system, the Fed had no choice but to step in aggressively and prevent a
The derivative markets, especially the
disastrous free-fall in asset prices.
private, unregulated segments, have continued
to
grow
since
2008.
The Fed had not anticipated the
Unfortunately, the Fed and other
panic following the announcement
major central banks have not created
of Lehman’s bankruptcy. The central
a database that would enable them to
banks intervened to save the major
know
banks
connections
and
the
global
financial
system.
in
financial
real-time
the
inter-
among
the
major
institutions
around
the
world. Such a database would enable What were the lessons that the
the
central
banks
regulators should have learned from
regulators
this fiasco? They were exactly the
dominoes might fall if an economic or
same as in the LTCM case.
financial shock occurred anywhere in
to
and
predict
other
how
the
the world. They would be able to step Fast forward again to the present.
in quickly to stop the fall of the
Has the Fed done anything to
dominoes
address the lessons from these two
engulfing more of the global financial
financial crises? Has any regulatory
system. Blockchain technology would
body done anything?
be a useful tool for creating and
from
accelerating
and
maintaining this database. The answer to both is the same — no
one
has
seemed
to
learn
Thus, 13 years after the last financial
anything, and no one has done
crisis, central banks around the world
anything.
still have no idea how a shock might play out and which institutions would
Once more, two questions arise:
be most vulnerable. There will be
What could be done?
another shock, and the Fed and other
Why hasn’t anything been done?
major central banks will be forced to
indulge in the arts
iinta.ca
PAGE 37
intervene quickly after the fact and
any losses as tax write-offs against
improvise to prevent a calamitous
income from other activities. There
free-fall is asset prices.
should not be any favourable capital gains
treatment
for
any
profits
derived from these casinos. Circuit breakers should have been mandatory
in
all
financial
asset
markets, and they should come into play for price changes of 5% in any one day. Wild price swings should not be tolerated. The Fed and its counterparts should have stepped in to regulate all
A virtual company with access to
private
other
experienced
traders
Opaqueness
accountants
should
derivatives
financial
and
markets.
created the preceding problems, while
transparency
could
and
forensic
have
been
created by the major central banks.
help
central banks anticipate problems.
This
Collateral
internalize
take over any financial institution that
more of the risks. The financial
suffered major losses pushing the
institutions would have more at risk,
institution to the brink of insolvency.
rules
could
company
would
immediately
and a Tobin tax on transactions could
reduce
volatility
to
some
degree.
This virtual company would supervise an
orderly
unwinding
of
all
the
trading positions of the insolvent Further, to discourage the casinos in
institution.
derivatives, the US, the EU and Japan could change the tax rules for
To lessen moral hazard, the financial
losses and gains in the derivative
institution would be liquidated, with
markets
shareholders
designated
as
casinos.
receiving
little,
if
Investors should not be able to use
anything, and all employees being
any losses as tax write-offs against
terminated.
indulge in the arts
iinta.ca
PAGE 38
Finally, why not break up the banks
from
—
the
activities. But the Volcker rules have
commercial and consumer retail
never been fully implemented. It is
activities from everything else? The
most unlikely that the US Congress
commercial and retail banks would
would ever approve breaking up the
be
banks
separate
completely
prevented
from
engaging
engaging
into
in
two
risky
trading
separate
and
directly in any of the derivative
independent companies — a retail
markets
and
bank and everything else. It’s also
indirectly
by
anyone
from lending
participating
engaging money in
to
highly unlikely that Congress would
these
approve any of the other suggestions
markets. Breaking up the banks also
I have made.
should prevent banks from being too big to fail.
In the seven election cycles between 2008 and 2020, commercial banks in
This latter idea is not novel. Paul
the
US
have
made
political
Volcker, a former Chair of the Fed
contributions totalling $272-million.
and a brilliant individual, made a similar
suggestion
in
2010.
The
Volcker rule, which was listed in Section 619 of the Dodd-Frank Act, would have limited two main types of activities by large institutional banks. Banks would be prohibited from engaging
in
proprietary
trading
activities and from owning interest in covered funds, generally defined as hedge funds and private equity funds. The rule was designed to prevent banks that receive federal and taxpayer backing in the form of deposit insurance and other support
indulge in the arts
iinta.ca
PAGE 39
Money can buy the legislation that
So, will there be another financial
companies desire. If the banks were
crisis? Absolutely, yes! When?
broken
up,
I
doubt
that
even could
Not sure. Will the global financial
justify anything approaching the
system collapse? Depends on how
total compensation received last
quickly the Fed and other central
year by the CEOs of the five largest
banks can intervene. Always good to
US
know
compensation
banks
consultants
(about
$113-million
in
total). It’s highly unlikely any of these
banks
would
favor
that
global
financial
and
economic stability depends on luck!
being
broken into two. Why would the CE0s of the retail banks be paid
*The views and opinions contained within subjects,
even a fraction of what the CEOs are
necessarily reflect those of iinta, iinta’s staff, or iinta’s
currently being paid?
indulge in the arts
content,
information,
data
and
imagery
does
not
affiliates. For full disclosure statement, please visit our Disclosure Page.
iinta.ca
IINTA LIFESTYLE WELLNESS
PAGE 42
AUTUMN IMMUNE
Protect Your System By Anna Rhymer Editor Jennifer J. Lacelle October 22, 2021
‘Tis the season to be mindful of
a weakened immune system and
boosting our immune systems as
make us more susceptible to illness.
colds and flus become front and centre in society.
What can we do to combat this? Well, there are a number of things we can
Mother Nature starts to toy with us
do to help ourselves:
and our regulation of temperature,
1.Food
which can lead to poor planning of
2.Sleep
the proper clothing to stay warm
3.Exercise
and cozy.
4.Stress Reduction 5.Limit Alcohol
These factors, in unison, can result in
indulge in the arts
6.Supplements
iinta.ca
PAGE 43
Food is about getting the right
Remember, sleep is when our bodies
nutrients, which are provided by a
heal and reset. We push so hard
whole food diet to keep all systems
everyday that it’s imperative we allow
firing and boosting the immune
our cells to repair.
system.
Some
examples
of
the
“Trojan” immune booster foods are:
Exercise
is
important
garlic, lemon and citrus, green leafy
reasons:
mental
vegetables, ginger, and turmeric
retention and growth, cardiovascular
(among others).
and
pulmonary
for
health, health,
many muscle
lymphatic
movement, and much more. Motion is By eating unprocessed foods, our
magic! Even a brisk 20-minute walk is
bodies will thank us for the ease of
shown to improve overall health,
digestion and retrieval of nutrients
including
to fuel all systems!
stronger
uplifting memory
your
mood,
retention
and
weight loss. Don’t be scared to get out in nature and move your body for all good things to happen, including reducing your stress levels. Reducing stress is hard in today’s world
of
fast-paced
lives,
busy
families, pressure at work and add a Sleep is essential for better health
pandemic. But stress raises cortisol
and most people require between 7-
levels and when we have a surplus of
9 hours nightly. If you’re struggling
cortisol, we are prone to adrenal
to fall asleep, perhaps try a gentle
fatigue. This hampers our sleep and
and
therefore
natural
supplement
like
melatonin to aid in resetting your
weakens
our
immune
systems.
biological clock. If you’re waking up in the middle of the night regularly,
See the slippery slope we are on?
it’s worth finding out if maybe your
Meditation can be an easy tool to
adrenals are taxed and need some
implement
supplement support.
meditations on YouTube and just be
indulge in the arts
daily.
Search
up
iinta.ca
PAGE 44
mindful for a moment. They could be 5, 10, 20-minutes or however much time you can dedicate. It’s about slowing your mind. You can add gratitude lists and positive self affirmations to the list as well. Eliminate
and
avoid
stressful
situations and people the best you can. You can always find a way to breathe deeply and release stress. Not only is alcohol a depressant, but it causes poor sleep, bad gut health and is a waste of calories! What you consume in calories should be in a nutrient dense form.
of
alcohol
has
detrimental effects on your liver, heart, general behaviour, can cause muscle
weakness,
create
further
complications with diabetes, etc. Enjoy your alcohol as a treat but be mindful not to overdo it as it does not serve you.
maintain
‘hack’
to
get
all
the
trace
minerals is to utilize pink Himalayan salt as its rich in them all. As for a basic immune boost, try vitamins, D, C, zinc and magnesium as a great regime. Health food stores are often a great resource with knowledgeable staff who can chat with you and lead you through the education process of choosing
the
right
vitamins
and
supplements for your goals. While there is no magic pill to protect you from all things out there, we sure can take as many steps as possible to
Supplements can be a useful tool in helping
One
starting point to add to your current
Apart from needing nutrients, overconsumption
daily intake of nutrients and vitamins.
immunity.
Our
keep our bodies in optimal health! *The views and opinions contained within subjects,
food today has 70% fewer nutrients
content,
information,
data
and
imagery
does
not
than it did in 1930. Therefore, even
affiliates. This article is not intended to be a replacement
necessarily reflect those of iinta, iinta’s staff, or iinta’s
with a stellar whole food protocol,
for medical diagnosis, information or treatment, etc.
we often don't get our suggested
statement, please visit our Disclosure Page.
indulge in the arts
ALWAYS see your medical provider. For full disclosure
iinta.ca
IINTA LIFESTYLE BEAUTY
PAGE 46
BRING MY SKIN TO LIFE
Benefits of Exfoliation By Nigelle Fredette Editor Jennifer J. Lacelle October 27, 2021
A dull hum from my furnace assists
In essence, along with the cold air is
me
colder
the increased presence of eczema,
temperatures that arrive with the
sensitive, dry or itchy skin and various
change of seasons. It’s only a matter
factors contribute to this.
in
welcoming
the
of time until your furnace begins to warm your house in response to the
The
frigid cold. Not only does cold
temperatures differs because of how
weather cause our home heating to
unique everyone is. Some individuals
awaken, but it also affects our skin.
might experience struggles with their
indulge in the arts
skin’s
reaction
to
colder
iinta.ca
PAGE 47
skin annually, and for others, it’s more of a seasonal occurrence. In every
case,
the
symptoms
of
troubling skin could be alerting you of something missing from your daily routine. Dry skin may be due to inadequate water consumption or a simple lack of a proper skincare routine, to name a few. Dry Skin: False Starts Often, when dealing with dry skin, some will naturally think that it can be remedied by slathering your skin with
an
oily
over-the-counter
moisturizer. Many believe a skincare routine can be very time-consuming, but only a few steps are usually needed to properly care for your skin to ensure
Step 1. Exfoliation
it’s getting the love it deserves.
This process helps to remove dead skin cells that prevent your skin from
You
should
esthetician
definitely and
visit
remove
an
naturally glowing. Dead skin cells
the
often present as slough and give your
guesswork; get a routine tailored to
skin
your skin’s specific needs, and see
tone. Many of us don’t do that
actual results sooner than you think!
enough, and some might simply think:
an
undesirable
“My
skin note
too that
dry.”It’s
The key to a beautiful complexion is
important
a skincare professional who knows
contributes to the appearance of fine
and understands the skin in-depth
lines, which are another sign of
and can customize your experience.
dehydration.
indulge in the arts
to
is
grey-looking
dry
skin
iinta.ca
PAGE 48
Step 2. Serums & Creams
reduce the appearance of fine lines
Once the dead cells are gone, you
and wrinkles. At the same time,
should use the correct serums and
antioxidants protect from free radical
creams — specific to your skin type
damage.
— that will help maintain your youthful-looking skin. Furthermore,
Visit Nigelle Medi Esthetics in office
ensure they consult with you to
for
establish a personalized skincare
pampering
treatment.
They
routine. It may include a deep
different
Alumier
Professional
cleanser
weekly
sessions that can help transform your
desired
dull-looking
and
exfoliating
possibly
until
the
Nigelle Medi Esthetics & AlumierMD moisturizers
highly
recommended
skin
into
a
skinoffer
beautiful
natural glow that everyone desires.
outcome is achieved.
AlumierMD
a
are
guaranteed to nourish and improve skin texture. Its products are made with powerhouse peptides that firm
*The views and opinions contained within subjects, content,
information,
data
and
imagery
does
not
necessarily reflect those of iinta, iinta’s staff, or iinta’s affiliates. This article is not intended to be a replacement for medical diagnosis, information or treatment, etc. ALWAYS see your medical provider. For full disclosure statement, please visit our Disclosure Page.
and strengthen the skin, and help
indulge in the arts
iinta.ca
PAGE 49
indulge in the arts
iinta.ca
PAGE 50
Here is a recipe which will guide you
blues or struggling through life for
to one of my favorite flavours... ever.
various reasons. First, know that you are not alone and I see you. Trust me
Hands down, this is my favorite
on this, make this soup. I guarantee it
soup! It's quite simple and fun to
to warm your heart when you need it
make (intermediate skill required at
to help you get through times like
most) and virtually fail-proof, but it
these. It won't solve your problems,
will be sure to impress you and your
but it will take you somewhere you
guests this holiday season. I hope it
want to be for a few minutes. This
will become one of your favourites.
recipe is that potent, and that good. Food is mood! Got fresh baked bread
Off the record, this season isn't
or biscuits? Even better! It truly is that
"great" for everyone. If you are alone
warm hug you might need.
for the holidays, I suggest making this soup. It's a lot of soup, but it's
For those who simply love amazing
great when portioned, jarred or
soup, or plan to celebrate with family
even frozen. Trust me when I say
and friends this holiday season, this is
that you will eat it all and the entire
my gift to you and I hope you love it.
experience is worth it. Without further adieu, let the show Many are also simply down with the
indulge in the arts
begin!
iinta.ca
PAGE 51
Recipe ·Suggested pairings:
Tools Required
Wine: Chardonnay
2 x baking sheets (recessed with
Beer: Amber Ale
raised edges)
Spirits: Brandy
Parchment paper Tongs
Getting Started·
Spoon
Method: Oven & Stovetop
Knife
Overall Time: 90 minutes
Cutting board
Prep: 20 mins
Large pot
Oven Roasting: 40 mins
Wooden soup spoon
Simmer: 30 mins
Immersion blender Instructions
Ingredients
The Roasting Part
1x Pie pumpkin (quartered, cored
1.Pre-heat the oven to 425F and line
and innards removed)
both baking sheets with parchment
1x
Butternut
squash
(halved,
paper. *Note: for this recipe, you will
cored and innards removed)
be using two racks in the oven. Both
2x White onions (chunks)
of these baking sheets should go into
6x McIntosh apples (peeled and
the oven at the same time and cook
cored)
for 40 minutes.
1x 375g Bacon (chopped) 1x 900ml Mushroom stock
2.Baking
sheet
1:
Onions,
bacon,
4x Cups water
apples, chilis, thyme. Spread these out
8x Sprigs of thyme
evenly on the baking sheet and place
2x Thai chili peppers (chopped)
on the top rack inside the oven.
Sea salt Cracked black pepper
3.Baking
Extra Virgin olive oil
butternut squash. Place the pieces,
Brandy
or
Crème
(optional finishing)
indulge in the arts
Fraîche
sheet
2:
Pumpkin
and
with the skin on, facing down. I cook with the skin on as it's easier to peel it
iinta.ca
PAGE 52
off once it's cooked. Coat the cut
If you wish for a thinner soup then
pieces of pumpkin and butternut
add two cups of water to help dilute
squash in a drizzle of extra virgin
the texture.
olive oil, salt and pepper. Bake for 40 minutes on the bottom rack.
3.Simmer
for
medium-low
30
minutes
setting,
then
at
stirring
serve.
a as
4.Once cooked, remove the skin
needed,
Garnish
(caution: hot) from the pumpkin and
individual bowls with a sprig of
butternut squash (discard skin). As
thyme or loose leaves.
these pieces retain heat quite well, allowing them to cool would take a
A splash of brandy or a dollop of
while so I always get right to it and
crème
prepare the pumpkin and squash
highlights and are a nice touch
immediately. Use a fork and tongs,
when added tableside, impressing
even a small knife if needed, to do
your guests!
fraîche
are
also
optional
this. My hope is that you absolutely love The Soup Part
this soup (if you intend on sharing
1.Use tongs to put the cooked
it). Further, I also hope that this soup
contents from both baking sheet
brings joy and conversation to your
into a large pot. Do not use the
table,
liquid from the apple and bacon
holiday season!
bringing
you
closer
this
tray, just use the solid content. Expect the apples to be mushy, it’s perfectly fine and it will blend well.
Cheers, Chef Deke Zaher
2.Pour in mushroom stock, add
Zaher's Test Kitchen
thyme, sea salt and cracked black pepper to taste. Blend well with immersion blender. This soup is
Instagram/Facebook:
meant to be thick enough that you
@ZahersTestKitchen
can stand a sprig of thyme in it (like
@ZahersSmallBatch
photo).
@ChefDekeZaher
indulge in the arts
iinta.ca
PAGE 53
Want to be featured in the next IINTA Magazine and social media? Try this recipe and show us a photo of the end result on Facebook, Instagram, or TikTok by tagging @IINTA and @ZahersTestKitchen! The selected winner’s photo will be posted alongside the next recipe.
IINTA CUISINE FINE WINE
PAGE 56
CB WINE PROGRAM
Wine & Cheese at Your Fingertips By Douglas Landsborough Editor Jennifer J. Lacelle November 1, 2021
Are you tired of the same, boring
month, your bottles of wine from the
wines available at the LCBO or
CB Wine Program will not be found
supermarkets?
on
Do
you
long
for
any
shelves
near
you.
These
bottles wine that aren’t just delicious
carefully curated wines are found
but are just as rich in history as they
across
are in tasting notes?
specifically for CB members.
Enter the CB Wine Program.
This month, you’re being taken to
the
globe
and
curated
Tuscany and the Poggio Nardone Hand-delivered to your door each
indulge in the arts
winery.
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PAGE 57
Specializing in Sangiovese and its relatives,
Poggio
Nardone
was
founded in 1996 when newlyweds Tizziano and Alessandra inherited the
property
from
Tizziano’s
the
property’s
grandfather. Upon
finding
historical documents (while still on their
honeymoon
couple
spent
no
the
less),
next
the
decade
cleaning and revitalizing the original vines found on the property. By matching the growing layouts and property lines to those historical documents, Tizziano and Alessandra truly embraced the history of the Featured Wine #1
vineyard. That
tradition
continued
as
the
2016 Brunello di Montalcino
couple forayed into winemaking,
An enormously impressive wine, this
utilizing traditional techniques to
is a shining example of what makes
create wines that tasted as good as
people fall in love with Brunello. The
their forebearers would have made.
patient aging and mix of old and new French oak give this a deep and
In this month’s delivery, you will find
subtle character, with black truffle,
three bottles of wine ranging from
violets and porcinis blending in the
bold, complex flavours to a 100%
glass.
Ciliegiolo—a Sangiovese
close that
is
cousin usually
to only
Vinification:
100%
added in small amounts to Chiantis.
fermented
Here are some of the finer details of
malolactic fermentation and three
these three wines:
years of aging in French oak.
indulge in the arts
in
Sangiovese,
stainless
steel,
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PAGE 58
Tasting Notes: Dark ruby robe, with
palate, this wine resembles an aged
an intense, earthy nose of black
Chianti in some ways with its delicate
truffles
structure and slight notes of dried
and
porcini
mushrooms.
Deep and complex palate with these
fruit. Subtle and lovely.
earthy notes alongside dried and tart cherries and violets, finishes
Food:
Steaks,
with balsamic and a long fading of
mushrooms, game.
hard
cheese,
tannins. Cellaring: Will cellar for five to ten Food:
Risottos,
braised
meats,
years, but drinks beautifully now.
mushroom pastas, anything with truffles. Cellaring:
Featured Wine #3 Will
cellar
comfortably
until 2030.
2019 Ciliegiolo Maremma Toscana A very rare example of a 100% Ciliegiolo, a close genetic relative of
Featured Wine #2
Sangiovese usually only seen as a very small percent added to Chiantis. Here
2018 Rosso Toscana Il Probiolo
it stands alone as an elegant and
A
bright wine perfect for cheese and
great
example
of
a
"lesser"
Sangiovese, this wine is made from
charcuterie.
two local varietal variants of the noble grape, ones that lead to a
Vinification: 100% Ciliegiolo from the
softer, subtler wine, and one with a
heart
little less need for long aging.
stainless steel before six months in
of
Tuscany.
Fermented
in
French tonneaux. Vinification: 60% Pugnitello, 40% Prugnolo
gentile,
fermented
in
Tasting Notes: Ruby robe, with bright
stainless steel before six months in
red fruit on the nose and palate, very
French tonneaux.
integrated tannins and a lovely fresh finish.
Tasting Notes: Bright ruby robe, dark red fruits and a bit of spice on the
indulge in the arts
Food: Cheeses of all sorts, ideally
iinta.ca
PAGE 59
Italian, along with any cured meats,
Other Benefits for Members
this is a perfect wine for snacks
Working with the Cheese Boutique
before a meal.
and Maître Fromager (Cheese Master) Afrim Pristine, the CB Wine Program
Cellaring: Will cellar comfortably for
puts together a selection of delicious
up to five years, but we would drink
cheeses every month, available to CB
sooner.
members for an exclusive discount. This month’s selection includes:
If you’re ready to indulge in some of the best wine that Tuscany has to
Caciocavallo,
Baby
offer, just click here to learn more
Mammoth Cheddar, Austrian Bacon,
about the CB Wine Program.
Speck,
Milano
Julius
Salami,
Gouda, Panforte,
Walnuts in Syrup, 1 Jar Mushroom Trio in Olive Oil, 1 Jar of Artichokes in Olive Oil, 1 Jar of Mixed Olives. This selection is guaranteed to pair well with this month’s wines and is available for $105 (versus the $130 retail value) with free delivery in the GTA. For those interested, please email Julia at: Julia@Cheeseboutique.ca. Finally, as restrictions are lifted more and more, we encourage you to go out and support local restaurants. This month, we want to highlight some incredible local places that will taste exceptional when paired with this month’s wines.
indulge in the arts
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PAGE 60
Here at the CB Wine Program, we
Restaurant Pearl Morissette's outdoor
highly
dining
recommend
Gia,
whose
authentic and delicious plant-based
is
back
in
Niagara,
book
through Tock.
Italian food will go beautifully with this month's wines. 1214 Dundas St.
El Rey Mezcal Bar is open at 2A
West, pickup and delivery available
Kensington Ave. with a great front
through their website at:
patio, no reservations.
gia.ambassador.ai. All three Piano Piano patios are open Other restaurant recommendations
at 88 Harbord, 623 Mount Pleasant
include:
and 1230 Thomas Street, and all
Le Phénix is open for takeout six
serving amazing pizza.
days a week (closed Wednesdays) with a great back patio at 1263
Enoteca
Sociale
is
open
for
Queen St. West. 416-342-1587.
reservations on Tock, as well as offering delivery through Ubereats.
Osteria Rialto's is open at 1006a
Tutti Matti's patio is open for great
Bloor St W. for reservations, and
pasta and classic Tuscan dishes at 364
their beautiful rooftop patio is taking
Adelaide St. West 416-597-8839.
walk-ins only from 4pm-9pm every Friday & Saturday evening: 416-306-
If you want to get your hands on
8124.
incredible,
exclusive
bottles
every
month, click here to sign up for the Il Covo is open at 585 College St. for
CB Wine Program.
food, wine and cocktails, as well as offering takeout, and their incredible
The wines curated from around the
Mort's is still available for takeout
world are unlike anything you will
and delivery on Ubereats: 416-530-
find
7585.
discounted
on
store
shelves,
price
all
through
at
a our
program. Pompette is open for elegant French food and an incredible wine list at 597 College St. 416-516-1111.
indulge in the arts
iinta.ca