Canada and the US are different. Canadians (and Americans) love to point out this fact. According to a recent report by COLLOQUY, on average, Canadians are active members of fewer loyalty programs when compared to Americans, 6.4 and 7.1 respectively. Is it because Canadians are less frugal or value-driven than our American friends? I think not. A good sale is a good sale anywhere. In fact Canadians frequently cross the border to cash in on the strength of the Canadian dollar and capitalize....