"2"^^ . "Customer service has gone downhill since Scotia took over.... wait times during non-peak hours during the day have increased from a couple of minutes to 20 minutes!\n\nING Direct clients were right to worry that Scotia would destroy it with the takeover... new name Tangerine, not so sweet service!"^^ . "0"^^ . . "1"^^ . . . "2014-05-03T00:00:00"^^ . "1"^^ .