interesting reading indeed. thanks Paul.

btw, may I ask you about something I have read in various postings and must be something specificly Canadian: RRSP

is this something like a pension fund, savings for old age, a bonus from the employer or the government? I am really curious because from the context I can't figure it out. it seems to be money people receive, but it is not salary. somebody (Herbertwiebe) wrote he pays interest on it.

I give up. pls tell me what this is.  lol

thanks. gerdon