As a related question, currently the banks have been raising their primes. You haven't. I think the Royal Bank has raised its prime three times, as have others.
The issue is that the Government of Canada, the people of Canada, the taxpayers of Canada, have been extraordinarily generous with the banking community. Yet when the first opportunity comes to put some space between what the Bank of Canada charges for their money and what the banks generally charge for their money, there doesn't seem to be some recognition of that.
Does that disturb you?