That's how a recent IMF* paper characterized Canada's mortgage market. 5 O. N- Z: n+ c- Q( Q! U & M- c; U, q& e/ W1 MAmong other things, it compared Canadian and American mortgages and listed several key differences. Here are the big ones:' l8 E& h+ J3 J1 }* C/ I3 E* u: k, r