The Scotiabank ad where the couple are talking to a financial advisor that the bank sent them money by accident. This commercial implies two themes:
a) They are stupid enough to think the bank sent them money and could not determine it was a transfer from their own accounts
b) They schedule a formal appointment to discuss the matter
In my eyes these two items are mutually exclusive. No one can be that dumb but still meet with the bank to discuss it.
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