Got lucky yesterday with the last day for TD 20,000 + FYF offer. It ended Jan4 not Dec 31 like I assumed. Anyway applied yesterday for my wife, took too long as I had to restart the application as there wasn't a continue button on the first page (bad IT I guess).

Instant approval and I'm glad I remembered as they are reducing the offers bit by bit each offer cycle (no surprise, it's TD after all).