AM 640: Toronto Radio, Home of the Leafs - The John Downs Show The story starts at I think 7:30 pm Toronto TIme zone..lol 11:00 Lt. Troy Kelly, Canadian Armed Forces Recruiting Randy E-mailed John with a problem. Apparently his application to the armed forces was denied due to a heavy debt load. As it turns out a big Visa balance raises a few red flags. thats me, "Randy".