1500 word argumentative research paper, No grammar errors and plagiarism

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I need a 1500 word argumentative research paper , No grammar errors and plagiarism. This paper is university level so i expect a tutor with excellent English and good flow.

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UNIV 101 Fall 2018 Argumentative Research Paper Purpose The purpose of this assignment is to allow you to practice writing a university level argumentative research paper. It will help to develop your research skills, report writing skills, persuasive writing skills, and attention to detail. You will receive support from university services, including the Writing and Communication Centre and the Library, to help you research and write your paper. Learning Outcomes By the end of this assignment, students will: • • • • Be able to use journal databases to find relevant and reputable research articles Be able to write persuasively using research as evidence to support their claims Have practiced writing in a format suitable for the university level Have practiced developing proper and full citations using APA format Instructions Write an argumentative essay on one of the topics listed below using research from journal databases, books, and other reputable sources. Your essay should be 1500-2000 words. Part of the assignment involves writing concisely, so make sure to adhere to this word limit. Do not include your name anywhere on the assignment. Your assignment should include the following information: • • • • • • Student number Course name and number Title Date Page numbers Word count Topics 1. Some university students have existing physical or mental disabilities that make it more difficult for them to succeed in their studies. As a result, Canadian universities have been mandated to provide accommodations to these students to ensure fairness. Do Canadian universities provide enough support, too much support, or too little support to these students to ensure fairness? Support your response with evidence from journal articles, books, and other reputable sources. 2. Should the Canadian government pay the tuition for all students’ post-secondary education? Explain why or why not. What are the consequences of your response? Use references to journal articles, books, and other reputable sources to support your argument. Deadline The deadline for this assignment is November 11 at 11:59 pm. Submit your assignment in doc, docx, rtf, or pdf form only. You must submit your assignment to the Argumentative Research Paper dropbox on LEARN. Assignments will not be accepted by email except under exceptional circumstances. Consult the course syllabus for information on late assignments. Citations Part of the assignment involves practicing the use of proper citation. Cite all of your materials in APA format (more information will be provided in class). Submissions with improper or missing citations will be given a penalty of up to 10%. More Information What is a research paper? A research paper is a written piece of work that is intended to showcase research that has been done in the relevant subject area. It identifies key findings and/or key arguments in the literature. What is an argumentative paper? An argumentative paper is a written piece of work that is intended to persuade the audience into taking a certain position on a topic. Argumentative papers give reasons for the reader to agree with the writer. What is an argumentative research paper? An argumentative research paper combines a research paper with an argumentative paper. It uses research as evidence to persuade the reader to take a particular position. For example, an argumentative research paper might use the results of clinical interviews with gender non-conforming individuals to argue that society is neglecting to treat gender non-conforming individuals with the dignity that they deserve. An argumentative research paper is not a reflective essay. Generally, personal anecdotes and personal experiences are not accepted as research. Toward an End to the Problematic Exploitation of Payday Loan Users 20600000 UNIV 101 November 11, 2018 Word count: 2108 1 Payday loans are short-term loans for less than $1500 that are due on or around the borrower’s next payday. Payday lenders usually offer good customer service and convenience, as they require little more than a recent pay stub, current bank statement, personal cheque, and ten minutes of the borrower’s time (Ben-Ishai, 2008). However, payday loans are extremely expensive when compared to traditional credit products, such as credit cards and lines of credit. Since payday lenders typically serve low-to-middle income individuals, many are concerned that the industry problematically exploits vulnerable individuals. This paper will show that payday loan users are problematically exploited because of their level of vulnerability and positive of disadvantage. I begin with a brief background of the current federal and provincial regulations on payday lending. I then establish that many payday loan users are vulnerable and show that these individuals are problematically exploited according to Mayer’s (2003) sufficiency standard for problematic exploitation. From there, I argue that preventing this problematic exploitation should not involve banning payday loans. Payday Loans in Canada The Canadian payday loan industry is regulated by federal and provincial governments. Currently, Canada’s criminal interest rate is any effective interest rate above 60% per annum (Criminal Code, R.S.C., 1985, c. C-46, s. 347). However, loans for less than $1500 for a period of less than 62 days are exempt from this criminal interest rate, as long as the lender is authorized and regulated by the province in which they operate (s. 347.1). This exemption effectively transfers responsibility for payday loan regulation to individual provinces. The Canadian government decided to allow this exemption because payday loans were increasingly popular, thereby suggesting that many Canadians were willing to pay interest rates above 60% per annum for access to cash. If the payday loan industry were not regulated, a number of class action law suits against 2 payday loan companies could succeed and result in payouts to consumers that “could potentially bankrupt the payday loan industry” (Library of Parliament, 2006). Provincial regulation would prevent this outcome and allow payday lenders to continue providing a seemingly valuable service to Canadians. Most provinces have chosen to regulate the payday lending industry. Current regulations usually require full and accurate disclosure of the borrowing terms and conditions, set interest rate caps, and limit rollovers, which occur when a loan is extended for another period in exchange for additional interest and fees. Current interest rate caps range from $15 per $100 borrowed in Alberta (Fair Trading Act, RSA 2000 cF-2, s. 124.61) to $25 per $100 borrowed in Prince Edward Island (Payday Loans Act, R.S.P.E.I. 1988, Cap. P-2.1, s. 24). For reference, a payday loan that costs $21 per $100 borrowed results in an annual interest rate of 546% (“Payday loans: Market trends”) and the maximum interest rate of 60% per annum translates to $2.30 per $100 borrowed on a 14-day loan (“Provincial Government Will Not Regulate Payday Loan Companies”). Payday Loans and Vulnerability The extremely high interest rates on payday loans are a cause for concern. These loans become even more concerning when we consider the individuals who use them. A recent study by the Financial Consumer Agency of Canada (“Payday loans: Market trends”) found that over half of the payday loan users surveyed had household incomes below $55,000, were repeat payday loan users, and did not know that payday loans were more expensive than traditional credit products. Most obtained payday loans of $500 or less. 86 percent of respondents typically used the loan to cover necessary expenses, with 41 percent using it to cover necessary and expected expenses, such as rent or utility bills. Compared to the general Canadian population, survey respondents had little 3 in savings and limited access to a credit card or line of credit. 27 percent were denied loans from banks or credit unions and 74 percent reported that payday loans were their best available option. These demographics suggest that most payday loan users lack sufficient financial resources, as they cannot cover necessary and recurring expenses, such as rent and utility bills, without taking out loans. These individuals turn to payday loans when they have few good options for obtaining necessary cash. Further, the data suggests that many payday loan users lack financial literacy, as the majority do not know that payday loans are more expensive than traditional loans. These circumstances leave users susceptible to payday lenders’ promises of fast cash with few conditions and raise serious concerns about the problematic exploitation of vulnerable individuals due to high interest rates. Payday Loans and Exploitation Mayer (2003) offers a compelling account of problematic exploitation as it relates to payday loans. He argues that individuals are problematically exploited when they meet two conditions. First, they must begin in a position of disadvantage. Second, they must pay too much or gain too little from a transaction. He claims, “[w]hat one should get is what one would get if one did not begin the transaction at a strategic disadvantage” (p. 200). Mayer then identifies two standards of problematic exploitation: sufficiency and relative advantage. On the sufficiency standard, individuals are in a position of disadvantage when they lack sufficient resources. They are then problematically exploited when they pay more than those who are not disadvantaged when obtaining these resources. Applying the sufficiency standard to payday loans, disadvantaged individuals are those without sufficient financial resources and they are problematically exploited when they pay more for a loan than those who are not disadvantaged 4 with respect to financial resources. Mayer states that the criminal interest rate is a reasonable benchmark for determining when one pays too much for a loan. Therefore, according to Mayer’s sufficiency standard, payday loan users are problematically exploited when they lack sufficient financial resources and take out payday loans, as all such loans charge more than the criminal interest rate. The sufficiency standard advocates for regulation on interest rate caps to ensure that payday loan users do not pay more than the criminal interest rate. On the relative advantage standard, individuals are again considered to be disadvantaged when they lack sufficient resources. However, different from the sufficiency standard, individuals are not problematically exploited until their short-term and long-term interests conflict. The relative advantage standard recognizes that an expensive payday loan may still be the best shortterm option for disadvantaged individuals who would otherwise have to pay even higher fees for bouncing cheques or late bill payments. On the relative advantage standard, payday loan users are problematically exploited only when they pay more for a payday loan than they would have for the next best alternative. Therefore, the first few payday loans will be permitted under the relative advantage standard, as these loans may cost the user less than, for example, bouncing a cheque. However, once the cumulative cost of payday loans exceeds the cost of bouncing a cheque, additional payday loans become problematically exploitative. Thus, the relative advantage standard permits short-term payday loans, but advocates for regulation against rollovers. Mayer argues that the sufficiency standard is highly intuitive, but it recommends restricting access to cash for those who most desperately need it. This result is problematic because one could reasonably accept the unfairness of a payday loan transaction when this unfairness is the best available option. Mayer suggests that the relative advantage standard avoids this problem. 5 Ultimately, he settles on a hybrid view, whereby we adopt the sufficiency standard but allow shortterm exceptions when payday loans are in the best interests of the borrower. The Unfairness of the Relative Advantage Standard There is much that is correct about Mayer’s analysis, especially as it pertains to the sufficiency standard. However, the relative advantage standard is too permissive. It points out that expensive payday loans can be in the borrower’s best short-term interest because the alternatives are even more expensive. This point is simply a fact. However, this fact does not lead to the conclusion that short-term payday loans are not problematically exploitive, as the best available option can still be a problematically exploitative one. Instead, the fact that payday loans are often vulnerable individuals’ best option highlights the unfairness of a market that permits desperate individuals to become further disadvantaged. The unfairness involved with payday loans has been argued to be predatory (Johnson, 2002), unconscionable (Bruch, 2001) and as severe as a Charter violation of the security of the person (Davidson, 2011). This unfairness is the result of a market that does not offer cheaper credit options for individuals who need them. By permitting disadvantaged individuals to access payday loans, the relative advantage standard allows the disadvantaged to bear the burdens of this market failure. This outcome is morally unacceptable. As a result, I adopt only the sufficiency standard of exploitation and reject the relative advantage standard. Adopting only the sufficiency standard means that most Canadian payday loan users meet both conditions for problematic exploitation. First, they are disadvantaged because they do not have sufficient financial resources to cover necessary expenses, such as rent and utility bills. Second, they are problematically exploited because they pay too much for loans. That is, they pay more than somebody without a disadvantage would pay. 6 Against an Effective Ban on Payday Loans To prevent problematic exploitation, the sufficiency standard advocates for matching the maximum payday loan interest rate to the criminal interest rate. This solution would prevent disadvantaged individuals from paying more for loans than individuals who are not disadvantaged. While this solution sounds simple enough, consider the compelling evidence that lowering payday loan interest rates would drive payday lenders out of business. Flannery and Samolyk (2005) find that it costs payday lenders $11 to $14 per $100 borrowed to provide a loan, without including significant general and administrative expenses that each payday loan shop must pay to its parent company. Given that payday loan regulations permit maximum interest charges of $15 to $25 per $100 borrowed, payday lenders operate on small profit margins. Lowering the annual interest rate from approximately 500% per annum to just 60% per annum shrinks profit margins substantially, such that it would effectively drive payday lenders out of business. A proponent of the sufficiency standard might accept this effective ban on the basis of problematic exploitation. Such has been the position of the provincial government of Newfoundland and Labrador. In a 2010 news release, the Honourable Kevin O’Brien, Minister of Government Services, stated that “‘we could not in good conscience implement regulations that potentially could result in annual interest rates equating to nearly 550 per cent being charged to consumers in our province’” (“Provincial Government Will Not Regulate Payday Loan Companies”). However, this application of the sufficiency standard could have devastating consequences for the same disadvantaged group that it seeks to protect. One negative effect of restricting access to payday loans is that some borrowers will turn to other expensive loan options, including online options that are more difficult to regulate (Bhutta et al., 2016; Edmiston, 2011). This effect is 7 unsurprising, given that many payday loan users have already been denied loans from banks and credit unions. Some express worries that borrowers may even resort to loan sharks, who threaten violence if loans are not repaid on time (Edmiston, 2011; Kitching and Starky, 2006). Banning payday loans can also lower consumer credit scores. Since payday loans are not usually tracked by credit companies, borrowers can use these loans to pay other loans that are tracked. When payday loans are inaccessible, individuals do not have this option and make late payments more often (Edmiston, 2011). Due to lower credit scores as a result of these late payments, disadvantaged individuals are even more limited in their loan options and must pay higher interest rates on the loans that they are able to obtain. Additionally, bans on payday loans can increase rates of bankruptcy filings (Morgan and Strain, 2008), which limits one’s loan options even further, though the causal connection between payday loans and bankruptcy is generally unclear (Bhutta et al., 2015; Martin and Tong, 2010; Skiba and Tobacman, 2011). Overall, effective bans on payday loans do not address problematic exploitation because its users are likely to turn to worse solutions for obtaining cash. Therefore, these bans should not be supported, which means that interest rates on payday loans should not be further reduced. We must look elsewhere to reduce problematic exploitation in the payday loan industry. Conclusion Payday loan users lack sufficient financial resources and pay far more for loans than individuals who are not similarly disadvantaged. As a result, they are problematically exploited by the payday loan industry. However, the solution is not to ban payday loans, as doing so will likely result in even worse outcomes for current payday loan users. 8 Works Cited Ben-Ishai, Stephanie. "Regulating Payday Lenders in Canada: Drawing on American Lessons." Banking & Finance Law Review 23.3 (2008): 323-76. Bhutta, Neil, Jacob Goldin, and Tatiana Homonoff. "Consumer Borrowing After Payday Loan Bans." Journal of Law and Economics 59.1 (2016): 225-59. Bhutta, Neil, Paige Marta Skiba, and Jeremy Tobacman. "Payday Loan Choices and Consequences." Journal of Money, Credit and Banking 47.2-3 (2015): 223-60. Bruch, Charles A. "Taking the Pay Out of Payday Loans: Putting an End to the Usurious and Unconscionable Interest Rates Charged by Payday Lenders." University of Cincinnati Law Review 69.4 (2001): 1257-88. Criminal Code (R.S.C., 1985, c. C-46). Government of Canada. http://laws- lois.justice.gc.ca/eng/acts/C-46/page-77.html#docCont ed., 2016. Davidson, Mark A. "No Conscience to Shock: The Ethical Dimensions of Non-Discretionary Personal Debt Assumption." International Journal of Applied Philosophy 25.2 (2011): 13149. Edmiston, Kelly D. "Could Restrictions on Payday Lending Hurt Consumers?" Economic Review - Federal Reserve Bank of Kansas City (2011): 63-93. Fair Trading Act (RSA 2000 cF-2). http://www.qp.alberta.ca/documents/Acts/F02.pdf ed., 2016. 9 Province of Alberta. Flannery, Mark, and Katherine Samolyk. "Payday Lending: Do the Costs Justify the Price?" FDIC Center for Financial Research Working Paper No. 2005-09 (2005): 1-40. Johnson, Creola. "Payday Loans: Shrewd Business Or Predatory Lending?" Minnesota Law Review 87.1 (2002): 1-152. Kitching, Andrew, and Sheena Starky. "Payday Loan Companies in Canada: Determining the Public Interest." Parliamentary Information and Research Service (2006): 1-17. Library of Parliament. Legislative Summary of Bill C-26: An Act to Amend the Criminal Code (Criminal Interest Rate) (LS-541E). Government of Canada, 2006. http://www.lop.parl.gc.ca/Content/LOP/LegislativeSummaries/39/1/c26-e.pdf Martin, Nathalie, and Koo Im Tong. "Double Down-and-Out: The Connection between Payday Loans and Bankruptcy." Southwestern Law Review 39 (2010): 785-806. Mayer, Robert. "Payday Loans and Exploitation." Public Affairs Quarterly 17.3 (2003): 197-217. Morgan, Donald P., and Michael R. Strain. "Payday Holiday: How Households Fare After Payday Credit Bans." Federal Reserve Bank of New York Staff Reports (2008): 1-47. "Payday Loans: Market Trends." Financial Consumer Agency of Canada. 25 Oct 2016 2016. . Payday Loans Act (R.S.P.E.I. 1988, Cap. P-2.1). Government of Prince Edward Island. https://www.princeedwardisland.ca/sites/default/files/legislation/p02-1g.pdf ed., 2015. 10 "Provincial Government Will Not Regulate Payday Loan Companies." Government of Newfoundland and Labrador - Canada. 15 June 2010. . Skiba, Paige Marta, and Jeremy Tobacman. "Do Payday Loans Cause Bankruptcy?" Vanderbilt University Law School Law & Economics Working Paper Number 11-13 (2011): 1-50. 11 Excellent (8-10 points) Cogency: How compelling is this paper? (10 points) The thesis is directly supported by at least one argument that is valid and free of errors. All claims are justified as well as space allows. Points of contention or objections are dealt with effectively. The paper demonstrates insightful and sophisticated analysis The paper masterfully uses journal articles, books, and/or other reputable sources to Comprehension: How well does this paper justify its claims. The analysis of these engage and explain its sources? (10 sources is highly skilled. All explanations points) are helpful and properly detailed. Sources and quotations are integrated into the paper highly effectively. The thesis is clear, explicit, and located appropriately. The paper includes a road Composition: Does this paper's structure map in the introduction. The paper uses enhance its readability and argumentative excellent signposting and has excellent force? (10 points) organization. The purpose of each section is abundantly clear. Each section of the paper transitions smoothly to the next. Clarity: How easy is it to read and understand this paper? (10 points) The writing mechanics are flawless. Ideas are expressed concisely - every word has been carefully chosen. The writing style is sophisticated and exceeds expectations. Citations (up to 4 points off) Proper APA citation style is followed at all times. All words and ideas that are not the student's are cited. In-text citations and reference list citations are properly formatted. The Works Cited page is properly formatted. All sources in the reference list have a corresponding in-text citation and vice versa. (0 marks deducted) Note: If your submission shows no signs of attempting to cite properly, your paper will receive a grade Good (7 points) Satisfactory (5-6 points) The thesis is directly supported by at least one argument that is valid. Claims are generally plausible and supported well. Important objections or counterpoints are anticipated but not fully dealt with. The arguments may not get to the core issue at hand. The thesis is indirectly supported by at least one valid argument. There may be leaps or gaps in reasoning. Claims are clearly stated but inadequately justified. Important objections or counterpoints are not anticipated. The paper uses journal articles, books, and/or other reputable sources to justify its claims. The analysis of these sources adds credibility to the author's claims. Some explanations require more detail. Some interpretations of the sources require more charity. Sources and quotations are integrated mostly effectively. The paper uses journal articles, books, and/or other reputable sources to justify its claims. The analysis of these sources is limited. Most explanations require more detail. Interpretations of the sources require more charity. Sources and quotations are sometimes used ineffectively. The thesis is identifiable but could be more explicit or better located. The paper includes a road map in the introduction. The paper is generally organized in a way that enhances logical flow of the ideas. Signposting and transitions could be better used. Each section of the paper provides important explanations that support the thesis. The thesis is identifiable but could be more detailed. It could also be more explicit or better located. The paper includes a road map but it is integrated ineffectively. The paper is somewhat organized in a way that enhances logical flow of ideas. Signposting and transitions are inappropriately placed or missing. Some sections of the paper could be omitted. There are spelling/grammar issues, but they do not impact clarity and are infrequent. There are some questionable word choices or stylistic issues. The writing is mostly easy to read and understand. There are issues with grammar and/or spelling that sometimes hinder clarity. The writing style is somewhat academic. Some sentences are hard to parse. Some sentences are confusing solely because of the way they are written. Proper APA citation style is followed most times. All words and ideas that are not the student's are cited. In-text citations and reference list citations are usually formatted correctly. The Works Cited page is properly formatted. Most sources in the reference list have a corresponding in-text citation and vice versa. (1 point deducted) Citation style is sometimes in APA format. Some citations are missing where they are needed. In-text citations and reference list citations are sometimes formatted correctly. The Works Cited page is formatted incorrectly. Sources in the reference list sometimes correspond with sources in in-text citations. (3 marks deducted) to cite properly, your paper will receive a grade of 0 and your work will be referred to the Associate Dean under Policy 71. Below Expectations (< 5 points) The thesis is not supported by a valid argument. There are leaps and gaps in reasoning, logical errors, and/or fallacies. Claims may be irrelevant, confusing, or unjustified. Important objections or counterpoints are not anticipated. The analytic goals of the paper are unclear. The paper uses journal articles, books, and/or other reputable sources but does not demonstrate how the sources justify the paper's claims. The analysis of these sources is inaccurate, confusing, or missing altogether. Interpretations of the sources require more charity. Sources and quotations are not integrated effectively. The paper has no thesis, or the thesis requires intense work to locate or interpret. The paper is disorganized. The purpose of the paper is unclear. Large sections of the paper should be omitted. There are issues with grammar and/or spelling that impact clarity. The writing style is too casual and/or inappropriate for the university level. Some sections are confusing solely because of the way they are written. Citation style is not in APA format or citations are usually missing where they are needed. In-text citations and reference list citations are usually formatted incorrectly. The Works Cited page is formatted incorrectly or is missing. Sources in the reference list do not correspond with sources in in-text citations. (4 marks deducted) he Associate Dean under Policy 71.
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Why the Canadian Government should make Post-secondary Education Free
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14th November 2018

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Why the Canadian Government should make Post-secondary Education Free
Why the Canadian Government should make Post-secondary Education Free
Low tuition fees are not an unfair advantage or privilege to students in Canada but rather
a public policy that is geared towards positive change in the nation. In the year 2012, Quebec
students were protesting against their institution’s tuition fees while in fact their institution offer
the lowest tuition fees. The media coverage at the time portrayed these protests as protection of
unfair privilege by students who are spoiled(McKenzie, 2015). This goes to show that Canada
has serious problems when it comes to access to high education. This therefore raises the
question whether the Canadian government should make post-secondary education free. There
are many factors that show that the Canadian government should indeed make post-secondary
education free. This paper will examine some of the research conducted regarding this matter.
When post-secondary education tuition is made free and affordable for all, more people
would be able to access it. Post-secondary education is a social mobility tool that puts one on the
path to high earnings later in life. The income inequality ladder in Canada has been on rapid
increase therefore making post-secondary education available to only a section of Canadians
while others are left out (Livingstone, 2018).When the government covers all the post-secondary
education tuition fees, all Canadians would be able to access it and therefore the income
inequality ladders would be reduced.
The economic wellbeing of Canada is impacted by the financial barriers that hinder
access to post-secondary education (McKenzie et.al, 2015). Canada needs a workforce that is
highly skilled and educated for its continued social and economic growth. However, when
financial muscle becomes the deciding factor on who gets access to university education, the
country loses the potential skills and labor from the people who miss out on this. This in turn
leads to high cases of social mobility whereby people move from Canada. Inequality in the

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Why the Canadian Government should make Post-secondary Education Free
society will also increase and this is associated with high costs of health services and access to
the justice system (McKenzie et.al, 2015) As a result, there is increased social tension in the
country and these conditions are not favorable for economic growth. In order to avoid all these,
the Canadian government should cover all the tuition fees for post-secondary education to make
it accessible to all its citizens.
In the labor market, higher education has become a standard job requirement in most
cases. This is because people have increasingly become more educated (Livingstone, 2018). As a
result, those who are unable to access higher education due to financial constraints are not in a
position to compete in the job market with others. This therefore determines the types of jobs one
gets and the level of income that one earns. Estimates in Canada show that three quarters of new
jobs in the country will require applicants to have post-secondary education as a minimum
qualification. This therefore necessitates free post-secondary education with funding from the
government. However, even with the increased need for post-secondary education in the job
market, the Canadian government has been reducing funding to advanced education rather than
increasing it. In the last 30 years, funding from the government has reduced from 84% to 58%
(McKenzie et.al, 2015). It is therefore high time that the Canadian government reviewed this
reduced funding for university operating budgets in order to ensure that the jobs I the country are
held by qualified staff and the government does not have to be pushed to the point of having to
import labor from other countries.
The Canadian government has legally committed itself to revoking university tuition fees.
This was done in the year 1976 in an international treaty that is legally binding (Manisuli, 2017).
This treaty is the United Nations International Covenant on Economic, Social and Cultural
Rights. The parties that signed this treaty committed themselves to ensuring that they introduce

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Why the Canadian Government should make Post-secondary E...


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