I am a professional engineer in Alberta (P. Eng.) so I hope other P. Engs and P. Geoscience folks read this. TD was Meloche Monnex back in the 1980s. Service was pretty good on the phone with their general guys. However, I made the MASSIVE mistake of switching to their Concierge service because our account was substantial. BIG MISTAKE. ZERO STARS for this service. What is supposed to be a personalized service is nearly non existent - phone in and get voice mail (no default to another human ever). Then I tried going to their normal service and they left me on hold for 15 minutes to divert back to the concierge service. HAD to beg on the next call NOT to go to concierge and that took 10 more minutes. Something that would take 5-10 minutes to complete, took almost an hour with the so called concierge service. NEVER use them.