In the world of Canadian finance, Francis Chou is the proverbial “little guy”. He’s not well known and maintains a low profile. But there are three things about him that are remarkable. First, he makes money for his investors – a lot of it. Second, when he does make a rare public pronouncement, he calls it like it is. And third, he sometimes does things that are unheard of in the world of money, like returning fees to his investors when he feels his performance has been sub-par. When did you ever hear of anyone doing that?