Task: Toxic Language Detection
Input (English): Comment: 1) you told me yesterday you did not invest in banks

2)Utilities have hard assets so are not as volatile as banks (2008) but
at "an average of 4 to 1"...they are (still)way too leveraged when rates rise.
Banks may have leveraged loans (fully hedged) but the do not have " a debt to equity ratio that on average, exceeds 20 times"...
A ridiculous misstatement/misrepresentation.
They can accommodate rising rates (and even benefit from them eventually)
Utilities suffer (two ways) when rates rise and are fee regulated

3)BMO NEVER cut its dividend in 2008......

4)given no option but to invest in the TSX today,I would invest  in the banks before the pipelines

5)The consistency with which you are "talking up your book" here is wearing thin
Output (English): Non-identity-attack