code: def load_frame(url, skiprows):
      
      return pd.read_csv(
          url,
          skiprows=skiprows,
          skipinitialspace=True,
          na_values=["Bank holiday", "Not available"],
          parse_dates=["Date"],
          index_col="Date",
      ).dropna(how='all') \
       .tz_localize('UTC') \
       .rename(columns=COLUMN_NAMES)
docs: Load a DataFrame of data from a Bank of Canada site.