You tell us when you turned to By Now Pay Later and whether it's helped or hurt your finances. Our guest for the hour is Liz Mulholland, CEO of the charity Prosper Canada. We also hear from Rebekah Smylie, manager with West Neighbourhood House in Toronto.

We hear from parents, teachers and other people with a connection to their local school board and we hear from Sabrina Nanji, journalist and founder of Queen's Park Observer for the hour. We also hear from Toronto District School Board Trustee Debbie King, she represents Ward 7 Parkdale—High Park.

You weigh in with Marion Nader, NDP strategist and CEO of Nexus Strategy Group.

Whether it's a fresh bouquet or a poinsettia, you might be wondering how to shield your plants or cut flowers from harsh winter weather on the trip home from the grocery store or florist. Paul has tips on that and answers your gardening questions.

We hear about your relationship with coffee and other caffeine sources and we hear from Michael Chaiton senior scientist at CAMH's Institute for Mental Health Policy Research, co-director of the Collaborative Specialization on Addiction Studies at the University of Toronto.

Your stories of encountering scams online and elsewhere and we speak with expert Vanessa Iafolla, principal with Anti-Fraud Intelligence Consulting. We also hear from OPP Det. Const. John Armit with the Economic Crimes and Corruption Unit.

Conservative voters weigh in on the future direction of the party and the leadership of Pierre Poilievre with conservative commentator, Shak Chambers. He is vice president of external affairs for the Peoples' Group. We also hear from pollster David Coletto, founder and CEO of Abacus Data.

This Remembrance Day comes 80 years after the end of the Second World War. We hear about the memories and stories you're trying to keep alive. Our guest for the hour is Jeff Noakes Second World War historian at the Canadian War Museum and Allan Paige, a pilot with the Canadian Harvard Aircraft Association.