Toronto-Dominion Bank has just come off one of its most profitable years ever. Its shares have nearly regained the ground they lost in the financial crisis and the country’s second-biggest bank is riding high on the Canadian consumer’s apparently insatiable appetite for debt. But how much longer can it go on? TD chief executive Ed Clark recently sat down with Financial Post reporter John Greenwood to talk about the shaky state of household finances, the frothy housing market and what it all means for the banking sector. Here is an edited version of the interview.

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