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Solve the following problem using Python, implementing the functions described below, one line at a time
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Description:
 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)