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A study by mobile payments company Square of transactions made in Vancouver, Toronto, Calgary, Montreal and Ottawa shows that diners in the nation's capital tend to be the most benevolent when it comes to tips at restaurants, bars and spas, on average. The most miserly in Canada? Calgary. Montreal comes out well in the analysis, however. The data shows that we tip on average 70.4 percent of the time, at 14.5 percent. [CBC]