Thank you so much Nine! Yes you are absolutely right about points cards! Data is crucial for companies to gather so they can heavily target consumers. You have brought up some very solid points about RRSP! Its best to always do research about it and see what works for people.
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You're welcome! I think it's pertinent to always do one's own research, think for themselves, and decide for themselves, and not give up one's personal power to any authority.