may play substantively different roles. The findings suggest that university-going is less common among lower-income … students and members of a visible minority group in the U.S. than among their Canadian counterparts. Some possible reasons are …

Discussions of pension adequacy for elderly Canadians have used the rate at which income falls with age; the income … replacement rate or the ratio of post-retirement income to pre-retirement income. Use of income streams to assess post … example, work-related expenses) can be expected to fall after retirement, a declining income stream does not necessarily …