Public Search Page - www.VirtualRealtyTours.com and Virtual Tour Canada Edmonton Alberta

<body bgproperties="fixed" leftmargin="0" topmargin="0" style="background-image: url(http://www.virtualrealtytours.com/images/bg.jpg);" marginheight="0" marginwidth="0"> <p><br> </p> <table cellpadding="5" cellspacing="5" width=100%> <tr> <td colspan="2" align="left"><font color="#000000" face="Arial" size="2"> <b>Please select the fields you would like to search by.</b> <br> Field selection is <b>Optional</b></font></td> </tr> <tr> <td width="150" valign="top" align="left"> <table cellpadding="5" cellspacing="5" > <tbody> <tr> <td align="left"> <form action="http://www.virtualrealtytours.com/servlets/GetSearchInterface" method="get"> <table border="1"> <tbody> <tr> <td><b>Detailed Search</b> </td> </tr> <tr> <td> <center> <table border="0" cellpadding="0" cellspacing="0"> <tbody> <tr> <td bgcolor="#e0e0e0">List Price</td> <td bgcolor="#e0e0e0"><input name="List Price" checked="checked" type="checkbox"></td> </tr> <tr> <td bgcolor="#ffffff">Bedrooms</td> <td bgcolor="#ffffff"><input name="Bedrooms" type="checkbox"></td> </tr> <tr> <td bgcolor="#e0e0e0">Bathrooms</td> <td bgcolor="#e0e0e0"><input name="Bathrooms" type="checkbox"></td> </tr> <tr> <td bgcolor="#ffffff">Class</td> <td bgcolor="#ffffff"><input name="Class" type="checkbox"></td> </tr> <tr> <td bgcolor="#e0e0e0">City</td> <td bgcolor="#e0e0e0"><input name="City" type="checkbox"></td> </tr> <tr> <td bgcolor="#ffffff">Zone</td> <td bgcolor="#ffffff"><input name="Zone" type="checkbox"></td> </tr> <tr> <td bgcolor="#e0e0e0">MLS Number</td> <td bgcolor="#e0e0e0"><input name="MLS Number" type="checkbox"></td> </tr> <tr> <td bgcolor="#ffffff">Size</td> <td bgcolor="#ffffff"><input name="Size" type="checkbox"></td> </tr> <tr> <td bgcolor="#e0e0e0"><font face="Arial">VRT Listing ID</font></td> <td bgcolor="#e0e0e0"><input name="Listing ID" checked="checked" type="checkbox"></td> </tr> <tr> <td bgcolor="#ffffff">Remarks</td> <td bgcolor="#ffffff"><input name="Remarks" type="checkbox"></td> </tr> </tbody> </table> <br> <input type="submit"> </center> <input name="ShowFSBOwner" value="false" type="hidden"> <input name="ShowSold" value="false" type="hidden"> <input name="redirect_blanksearch" value="http://www.virtualrealtytours.com/query/search.html" type="hidden"></td> </tr> </tbody> </table> </form> </td> <td align="left" valign="top" width="250"> <p><b>Quick Searches <font color="black" face="Arial" size="2"> </font></b></p> <ul> <b><font color="black" face="Arial" size="2"> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?&AddFields=ListingID&ShowFSBO=false&ShowSold=false">Newer Listings - 30 days or less</a></li> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?remarks_kw=reduced&AddFields=ListingID&TitleOverride=Hot%20Properties&ShowFSBO=false&ShowSold=false">Hot Properties</a></li> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?listingid_gle=GreaterThanEqual&listingid_gle_val=6660&AddFields=ListingID&remarks_kw=360tour&TitleOverride=Virtual%20Tour%20Listings&ShowFSBO=false&ShowSold=false">360 Virtual Tour Listings</a></li> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?hiddenkeywords_kw=home&AddFields=ListingID&TitleOverride=Homes%20Listings&ShowFSBO=false&ShowSold=false">Single Family Homes</a></li> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?remarks_kw=condo&AddFields=ListingID&TitleOverride=Condo%20and%20Townhouse%20Listings&ShowFSBO=false&ShowSold=false">Condo and Townhouse Listings</a></li> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?class_dd=farm&AddFields=ListingID&TitleOverride=Farm%20and%20Acreage%20Listings&ShowFSBO=false&ShowSold=false">Farm and Acreage Listings</a></li> <li><a href="http://www.virtualrealtytours.com/servlets/ShowListings?listingid_gle=GreaterThanEqual&listingid_gle_val=1&AddFields=ListingID&TitleOverride=All%20Listings&ShowFSBO=false&ShowSold=false">All Listings</a><br>Warning: Some Listings may no longer be available</li> </font></b> </ul>  <script type="text/javascript"></script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script>  </td> </tr>  <tr><td colspan="2"> <form method="get" action="http://www.google.ca/custom" target="google_window"> <table bgcolor="#ffffff"> <tr><td nowrap="nowrap" valign="top" align="left" height="32"> <a href="http://www.google.com/"> <img src="http://www.google.com/logos/Logo_25wht.gif" border="0" alt="Google" align="middle"></img></a> <input type="text" name="q" size="31" maxlength="255" value=""></input> <input type="submit" name="sa" value="Search"></input> <input type="hidden" name="client" value="pub-1270638862004811"></input> <input type="hidden" name="forid" value="1"></input> <input type="hidden" name="channel" value="3369020648"></input> <input type="hidden" name="ie" value="ISO-8859-1"></input> <input type="hidden" name="oe" value="ISO-8859-1"></input> <input type="hidden" name="safe" value="active"></input> <input type="hidden" name="cof" value="GALT:#0033FF;GL:1;DIV:#66CC99;VLC:9966FF;AH:center;BGC:C5DBCF;LBGC:73B59C;ALC:000000;LC:000000;T:003333;GFNT:333333;GIMP:333333;LH:100;LW:100;L:http://www.virtualtourcanada.ca/picts/VTCa_logo.gif;S:http://www.virtualtourcanada.ca;LP:1;FORID:1;"> </input> <input type="hidden" name="hl" value="en"></input> </td></tr></table> </form> <font size=1 color="#FFFFFF"> //--> </font> <script type="text/javascript"></script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </td></tr>  </tbody> </table> </td> <td width="160"> <script type="text/javascript"></script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </td></tr></table> <font size=1 color="#ffffff">  insurance - mortgages - banking - financing Access to Insurance Information Enhancing consumers’ ability to make informed insurance choices At issue Canada’s insurance marketplace has undergone significant changes in recent years. Over the past decade, most restrictions regarding what banks and insurers can do in each other’s lines of business have been removed, but only partially with respect to banks’ insurance business. The government maintained these restrictions to protect a once-smaller insurance industry, and to address certain concerns regarding coercive tied-selling, privacy and consumer redress. Since then, insurers have grown to be as large and profitable as the major banks, and consumer protection measures for coercive tied-selling, privacy and consumer redress are now in place. What remains is a federal regulatory structure that has grown outdated with the massive structural change in the industry, inconveniencing consumers by limiting access to the information they need to make informed choices, and by disrupting the continuity of trusted relationships. Far from being consumer-friendly, these restrictions negatively affect individuals’ and families’ ability to acquire insurance protection. Consumers should be able to get the insurance information or referral they need when and where they want it… The banking industry recognizes that the government’s approach on this issue has been cautious. That is why the industry is proposing focused, specific measures that would correct some of the inequities in the current system, and would empower consumers, making it easier for them to shop the market and make the choices that work best for them: * Consumers should be able to have ready access to specific information in bank branches about the full range of insurance products relevant to their needs and circumstances. * Consumers should have the ability to obtain a referral from their bank branch to an insurance professional outside of the branch who could provide further advice and access to particular insurance products. * Consumers should have the ability to give their bank permission to provide them with insurance information tailored to their individual and family circumstances. * Consumers should have the ability to give their bank permission to pass on relevant client information to an insurance professional to make it easier to obtain information and advice on insurance matters. Consumers voicing strong support for change, saying it just makes sense A recently released poll conducted by The Strategic Counsel on consumer attitudes towards access to insurance information shows that Canadians find existing regulations outdated, unnecessary and a barrier to enhanced information options for consumers. Here are some of the results: * 90 per cent agree that it is important to have as many choices as possible when it comes to information about the insurance products available, including in bank branches. * 88 per cent agree that consumers benefit from increased competition and choice in the marketplace for insurance products. * 85 per cent of people support making insurance product information available in bank branches. * Almost eight-in-10 (77%) indicate support for changes to regulations that would allow banks to market their insurance products to clients based on client information, with client permission. * 83 per cent support being able to get a referral from branch staff to a qualified insurance professional. * Nearly three-quarters of Canadians say that not having information available at bank branches just doesn’t make sense. * 95 per cent believe that it is important to review regulations to ensure that they are relevant. There is no doubt: It’s time to enhance consumers’ ability to make informed insurance choices When the federal government last looked at this issue, they thought some time was needed to resolve some issues. Today, all of the pre-conditions set by the government have been met: * The Financial Consumer Agency of Canada – a new federal regulator since 2001 monitoring bank compliance to consumer protection provisions of the Bank Act is in place. * A Bank Act prohibution on coercive tied selling is in place and there is proof that banks are complying - since 2001, there has been one regulator-confirmed case of coercive tied selling out of tens of millions of transactions where coercive tied selling could occur. * Federal and provincial private sector privacy legislation is in place. * Today, the insurance industry is a transformed one, for example: * Demutualization has encouraged substantial growth, to the point that now the largest life insurers in Canada are all well-capitalized stock companies. * Three of the eight largest financial institutions in Canada by market capitalization are insurance companies. The Bank Act restrictions are an anomaly: * Countries around the world, including the United States, let banks provide information about insurance, leaving Canada to stand alone in the restrictions it imposes. In fact, all three of the largest Canadian life insurance companies make use of bank channels in the United States to serve their customers. * Within Canada, as well, there are provincial jurisdictions – Quebec and British Columbia – that have adopted a more flexible approach to consumer access to information, advice and insurance products through caisses populaires and credit unions. It’s time to enhance consumers’ ability to make informed insurance choices. Consumers say it just makes sense. And, we agree.  </BODY>