Load a DataFrame of data from a Bank of Canada site.

def load_frame(url, skiprows):
    """
    Load a DataFrame of data from a Bank of Canada site.
    """
    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)