Immigration Canada

Our country needs more people

Canadian parliament from the Musée Canadienne ...

The Montreal-based Association for Canadian Studies poll found a slim majority of Canadians think that Canada's population (34 million) is just right.

Size does matter! Our population is comparable to California's, yet we have the world's second-largest land mass.

Immigration must be a priority - you can't run a country this size without it. The United States prospered because it opened its gates - now it's 10 times our size.

Canadians love Canada's space, but Canada needs at least 150 million more people - preferably more. Sixty per cent of our population live within a few hundred miles of the U.S. border. A large part of Canada remains unused.

Many think our north can't be populated. It can with investment and new technologies. Switzerland fits inside Algonquin Park! France and England take up Ontario (with room left over Liechtenstein). We're definitely under-populated.

People want Canada's postcard look, but don't want anyone else to live here. If Canada doesn't increase its population the quality of life for will fall exponentially. There's a definite and important correlation between a country's population size and the health of the economy.

Canada needs a 'Statue of Liberty" effect - more assertive and industrious attitudes to attract hard-work-ing immigrants. Canada has been called the largest hotel in the world - that should be changed to one of the largest houses in the world. People should be enticed, so they can work hard, build a good life and adopt enviable Canadian values of dignity, tolerance, and fairness.

Canada is not "just right" with only 34 million people. If this attitude persists, taxes will increase, and some otherwise needless social programs will prosper.

A land mass of almost 10 million square kilometres with only 34 million people will carry that burden.

Bring me your hardworking, your ambitious, your visionaries.

Let the immigration revolution begin.

DOUGLAS CORNISH, Ottawa

Minister Kenney launches national consultations on immigration levels and mix

Calgary is the largest metropolis in the Calga...

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Calgary, July 12, 2011 — Citizenship, Immigration and Multiculturalism Minister Jason Kenney has launched a series of cross-country consultations on immigration issues, beginning today in Calgary.

The Minister is meeting with stakeholders and the public to discuss the important issue of immigration levels and mix. Following the Calgary session today, the Minister will meet with stakeholders in Vancouver on July 18, Toronto on July 20 and Montreal on July 22. Online consultations will take place later this summer and will be open to the public.

The purpose of the consultations is to seek feedback on immigration levels, including the appropriate level of immigration for Canada, and the most suitable mix between economic, family class and protected persons. Discussions on system management to provide improved services, such as reasonable processing times, and addressing issues such as fraud, will also be included.

In planning for the total number of people to admit as permanent residents, CIC not only balances immigration objectives but also considers several other factors, including broader government commitments, input from provinces and territories, and current and future economic conditions. The Department must also consider its operational ability to process applications in a timely manner, as well as the capacity of communities to welcome newcomers.

In addition to presenting an opportunity to gather input from stakeholders and the public on key questions facing CIC, the consultations also allow the Department to share with stakeholders and the public some of the considerations and difficult choices involved in managing a global immigration system.

The consultations present an important opportunity to generate greater understanding of the trade-offs involved in setting immigration levels. There are competing visions and diverging goals for the future of the immigration program, and there is no single right answer on what the focus should be. Engaging stakeholders and the broader public in that conversation is a key part of developing a plan that will work for Canada going forward.

Invited stakeholders represent a variety of perspectives, including those of employers, labour, academia, learning institutions, professional organizations, business organizations, regulatory bodies, municipalities, settlement provider organizations and ethnocultural organizations.

A report on the consultations will be available on the CIC website once stakeholder and public consultations have been completed.

More information about the online consultations will be available on the CIC website.

Be emotionally prepared - Newcomers to Canada offer move-in advice: RBC poll

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TORONTO, July 13, 2011 /PRNewswire/ - The best advice newcomers to Canada have for anyone looking to follow in their footsteps is to be mentally prepared, including being ready for any sacrifices involved in settling in this country, according to an RBC poll.

More than half (58 per cent) say mental preparation is key, with almost a third (30 per cent) noting that sacrifices or tradeoffs may need to be made and 28 per cent saying being positive and patient will help achieve long-term results.

"Moving to a new country is a life-changing decision and being mentally prepared for the challenges of a different culture can really help ensure a successful move," said Camon Mak, director, Multicultural Markets, RBC. "Many newcomers focus on the physical and financial changes that come with a move, but establishing a support network and connecting with the community can be just as important."

According to the RBC poll, 47 per cent conducted online research to understand more about life in Canada, while more than half (54 per cent) said they prepared themselves for the social aspects of moving to Canada before they came to this country, by:

Informing relatives/friends already in Canada of their intentions to come here so relatives/friends could provide help and advice (33 per cent)
Refreshing their language skills (33 per cent)

"There are a number of ways RBC helps potential immigrants prepare before moving. For example, our Beijing branch offers advice on life in Canada and what to expect on arrival, assists in setting up a bank account and whenever possible, introduces clients to local branch staff," added Mak. "Through our website, anyone around the globe can be connected to someone at RBC who speaks their language, as we now offer banking assistance in over 180 languages."

Established newcomers also noted that success in Canada is not just measured in financial or career terms. Almost half (46 per cent) of newcomers who have already settled in Canada define success based on "mind/spirit", including inner peace and strength, enjoying small daily events of life, and love. In fact, female newcomers were more likely than male newcomers to use mind/spirit measurements (54 per cent compared to 39 per cent), while male newcomers were more likely than female newcomers to define success based on their career (57 per cent compared to 47 per cent).

About the Environics Poll
The findings were conducted by Environics Research Group on behalf of RBC in April 2011. Environics conducted a total of 608 interviews among Chinese and South Asian immigrant residents in British Columbia and Ontario who are first generation and have lived in Canada for 10 years or less. Interviews were conducted online and respondents were recruited from an online consumer research panel. Quotas were applied to represent the different regions and tenure in Canada. Data was weighted according to population data from 2006 Census to represent the population as closely as possible. A survey with an unweighted probability sample of this size and a 100 per cent response rate would have an estimated margin of error of ±4 percentage points 19 times out of 20 of what the results would have been had the entire population of Chinese and South immigrants in Canada been polled. All sample surveys and polls may be subject to other sources of error, including, but not limited to, coverage error and measurement error.

About RBC Welcome to Canada Package
For more than seven generations, RBC has been supporting newcomers by providing them with resources and tools that make the transition to a new country seamless. The RBC Welcome to Canada package helps newcomers who have been inCanada for less than three years with key financial decisions and includes advice and discounts on products and services. Details on The RBC Welcome to Canada banking package can be found at www.rbc.com/settlequick. Consumers around the world can access information on moving to Canada, including financial advice checklists and more, at www.rbc.com/canada. From 2005 to 2009, 14 per cent of all immigrants were Chinese (including those from Hong Kong and Taiwan) and 18 per cent were South Asian (from India, Pakistan, Bangladesh and Sri Lanka). These two groups represent one-third of recent (past five years) newcomers and are the largest sources of immigration in this time period.

Videos:

1)     http://www.newswire.ca/en/releases/mmnr/smr/Naverdoo.flv
2)     http://www.newswire.ca/en/releases/mmnr/smr/Ola.flv
3)     http://www.newswire.ca/en/releases/mmnr/smr/Ash.flv
4)     http://www.newswire.ca/en/releases/mmnr/smr/Elaine1.flv
5)     http://www.newswire.ca/en/releases/mmnr/smr/Joanna.flv

Minister seeks input on immigration issues

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BY CLARA HO, CALGARY HERALD JULY 13, 2011

Immigration Minister Jason Kenney kicked off a series of national consultations in Calgary on Tuesday, asking shareholders to provide input on issues and programs in hopes of better determining appropriate immigration levels for Canada.

"We want people's views on what is the right mix of our various immigration programs, how do we ensure that immigrants succeed economically, because when immigrants get good jobs, Canada succeeds," Kenney said.

About a dozen attendees from immigrant settlement organizations, employers, industry groups and community associations joined the minister in a private meeting to discuss everything from which programs to focus on, how to ensure skilled workers are selected to fill job shortages, and how to reduce backlogs and maintain reasonable processing times.

Kenney will hold similar sessions with stakeholder groups in Vancouver, Toronto and Montreal later this month, as well as online consultations later this summer, which will be open to the public.

The input will then be fed into the federal government's multi-year immigration levels plan, which determines how many people should be admitted to Canada and into which programs.

For the past several years Canada has admitted between 240,000 to 265,000 permanent residents. Last year the government exceeded the planned maximum, admitting 281,000 permanent residents.

"There's always a maximum to the number of immigrants we bring. We're maintaining very high levels, but we want to make sure that immigration is actually working for newcomers and newcomers are working in Canada," he said, adding that increasing the maximum number was a possibility. "We don't want to be bringing people here to face unemployment or underem-ployment, we want them to fill the job shortages that exist, particularly in this region."

Recently, Premier Ed Stelmach and other western premiers blamed the federal government for hurting western economic growth by setting a cap on the number of immigrants admitted through the Provincial Nominee Program, which allows provincial governments to choose immigrants based on their economic needs.

But Kenney said the government has been very generous in letting the program grow nationally almost tenfold, from 5,000 admissions six years ago to 45,000 this year, and actually reduced federal immigration programs to give more spots to provinces.

In turn, Alberta saw its immigration grow from 18,000 immigrants five years ago to more than 32,000 this year, Kenney said.

Deciding which programs to emphasize is a difficult process, as any increases in one program come at the cost of another, he said.

cho@calgaryherald.com

Canada's 25 favourite companies for 2011

Which Canadian company's brand has the strongest reputation among shoppers?

Recently, Canadian Business magazine and Reputation Institute teamed up to compile a survey of Canadians' favourite companies in 2011. The survey is based on corporate governance, innovation, workplace environment, innovation, products and other factors.

The survey also evaluates a company's brand value in the minds of consumers.

The following are the top 25 finishers in the survey.

----------------------------

1. Jean Coutu Group (drug store, Quebec)

2. Tim Hortons

3. Shoppers Drug Mart

4. WestJet

5. Research In Motion (Blackberries creators)

6. Bombardier

7. Yellow Pages

8. Alimentation Couche-Tard (Mac's)

9. Canadian Tire

10. Saputo

11. Rona

12. Canadian Natural Resources

13. TD Bank

14. Metro (Ontario supermarket chain)

15. Loblaws

16. Rexall

17. Manitoba Hydro

18. Sobey's

19. PotashCorp.

20. Frozani Group

21. Manulife

22. National Bank of Canada

23. Sun Life Financial

24. Royal Bank of Canada

25. Scotiabank

Immigrants Outnumber Temporary Foreign Workers by 22 to 1. So What’s the Big Problem?

The May 14th Globe and Mail article on the release of 2009 immigration statistics led with the headline, “Leap in temporary foreign workers will hurt Canada long-term, critics say,” and went on to opine that this “marked a major shift in policy for a country that historically was built through permanent immigration.”

The article continued in an alarmist tone suggesting that Canada’s immigration policy was becoming similar to “European guest-worker programs, which spawned years of social unrest in countries such as Germany.” This betrays a fundamental misunderstanding of Canadian immigration policy and German immigration policy.

Here’s the truth for Canada. On December 1, 2009, there were 282,771 temporary foreign workers in Canada. In 2009, Canada admitted 252,124 permanent residents (immigrants). (CIC, Facts and Figures 2009). Sounds like we have more temporary workers than permanent residents? This is what those who oppose temporary foreign workers claim.

But wait! They are comparing apples and oranges. They are comparing the total number of temporary foreign workers in Canada with the annual intake of permanent immigrants. If we compare total immigrants to total temporary foreign workers in Canada, we have a dramatically different picture. The 2006 Census of Canada reported that there were a total of 6,186,950 immigrants in Canada. (Statistics Canada, Immigrant population by place of birth, by province and territory - 2006 Census).

Therefore, the fact is that immigrants in Canada outnumber temporary foreign workers by 22 to 1! And this figure doesn’t include the roughly 860,000 permanent immigrants Canada has welcomed in the three and a half years since census day in 2006. (CIC, Facts and Figures 2009 )

The truth of the matter is that Canada remains a country dedicated to permanent immigration. In fact recent changes to the immigration legislation creating the Canadian Experience Class, have now made it possible for most temporary foreign workers, who have a permanent job offer in Canada, to apply for immigrant status without leaving Canada, which had not been the case before. It is unfortunate that the legislation excludes temporary foreign workers in lower-skilled occupations but in 2008, they numbered 96,673 or about only 38.5% of the total. (CIC Facts and Figures 2008 Digital Library (available only on CD on request from CIC.)

Now what about Germany? Does the presence of less than 100,000 persons who are not eligible for permanent residence put Canada on a par with Germany? Not by a long shot. In the first place, until 2005, Germany had no legislation allowing permanent residents. Gastarbeiter (guest workers) were admitted on the basis of bilateral agreements with Italy in 1955, then with Spain (1960), Greece (1960), Turkey (1961), Portugal (1964), and Yugoslavia (1968). By 2003, there were over seven million foreigners in Germany. There were 1.9 million Turkish citizens alone, of which 654,000 had been born in Germany but were not eligible for citizenship. It was only in 2000 that Germany’s citizenship legislation allowed any of the guest workers’ children born in Germany to claim German citizenship. (Migration Policy Institute, Germany: Immigration in Transition)

When 8.5% of your population is excluded from qualifying as an immigrant and, in time, obtaining the benefits of citizenship, social unrest is surely likely. When less than one third of one percent are ineligible to apply for immigrant status, it is a different situation entirely.

So, by all means, let’s debate the merits of temporary foreign workers as a means to meet Canada’s labour market needs, but let’s get our facts straight first. Canada is not abandoning its traditional policy of welcoming permanent immigrants in large numbers; nor is Canada creating a mammoth guest worker ghetto. Having said that, let’s focus on an effective program that both meets Canada’s needs and respects the human dignity of all temporary foreign workers in Canada.

Robert Vineberg is a Senior Fellow with the Canada West Foundation. He was, formerly, the Director General, Prairies and Northern Territories Region, Citizenship and Immigration Canada.

Ranks of foreign workers growing: StatsCan 2006

The number of foreign workers admitted to Canada on a temporary basis more than doubled in a 10-year period, census data shows.

Similar growth in temporary worker programs was seen in many industrialized countries, Statistics Canada said Tuesday. .

More than 112,000 foreign-born nationals were working in Canada on census day in 2006, according to census figures. That number was 118 per cent higher that the figure from the 1996 census. About 94,000 were working full-time.

Where Canada's non-resident workers came from
South East Asia: 15.9%
East Asia: 11.5%
West Europe: 10.7%
South Asia: 9.9%
United States: 9.1%
Africa: 8.1%
U.K./Ireland: 6.2%
Mexico/Central America: 6.2%
Source: 2006 Census

Many of these workers were admitted under the Temporary Foreign Worker Program, which is designed to help employers address labour shortages in Canada. The program restricts non-permanent resident workers to a specific job or location as a condition of entry.

There are a variety of programs that allow foreign-born nationals to come to Canada to work. Some programs bring in skilled workers, while some target unskilled workers. Other programs allow some non-resident students to work for up to six months while on an exchange program..

A minority of non-permanent residents — mainly refugee claimants — are granted work permits that allow them to accept almost any job with no restrictions.

"The increase in the number non-permanent residents working in Canada may be a result of increased labour market requirements during the economic expansion which ended in the latter part of 2008," Statistics Canada said.

Diverse lot

Who are these foreign-born non-resident workers? Statistics Canada's analysis of the 2006 census data shows they are diverse, depending on the program that brought them to Canada.

While many came from developing parts of the world, including South East Asia, Latin America and South Asia, many others came from high-GDP areas like the United States and western Europe.

Where are they working?
Toronto: 33%
Montreal: 15%
Vancouver: 12.5%
Calgary: 5.5%
Edmonton 3.7%
Source: 2006 Census

Women made up 40 per cent of all non-resident workers, most often working as caregivers or domestics — many from the Philippines.

Men who hailed from Mexico, Central America and the Caribbean were more often employed in agriculture. In Leamington, Ont. — the greenhouse capital of Canada — non-resident foreign nationals account for 9.1 per cent of the town's full-time labour force.

Non-resident workers from high-GDP economies like the United States and western Europe were more likely to be working as university professors, post-secondary teaching and research assistants, computer programmers and senior managers.

The census analysis notes that non-permanent residents account for less than one per cent of the total full-time workforce in Canada. In some occupations, however, they represent a much bigger share.

For instance, more than 20 per cent of all full-time nannies or parents' helpers in Canada in 2006 were non-permanent residents. More than 13 per cent of post-secondary teaching and research assistants were non-residents — many also going to school in Canada, too. Nine per cent of farm labourers, eight per cent of nursery workers and six per cent of all physicists and astronomers working in Canada were also non-permanent residents.

Not to compete

Generally speaking, non-resident workers are not supposed to compete with permanent residents for jobs. Employers are often required to obtain a federal certificate stating that no qualified Canadians are available to do the work.

Still, the presence of non-resident employment programs in times of higher unemployment has attracted some criticism over the years, even though employers like them and some international treaties like NAFTA sometimes oblige Canada to admit non-resident workers.

On Monday, the federal government cancelled a program that makes it easier for foreign workers to fill vacant technology jobs in Canada — especially in software development.

Federal officials say the shortage of highly skilled technology workers in the late 1990s no longer exists. Employers will now have to show that no suitable Canadian is available to do a job before a foreign national can be brought in.

Expenses in Canada: Taxes and other expenses.

Taxes in Canada

Canadians enjoy many government-funded benefits, such as healthcare, education systems, interconnecting highways, clean drinking water and sanitation systems. Canadians pay a variety of taxes to the federal and provincial governments to support these benefits.

Each year, you determine your final tax obligation. On the return, you list your income and deductions, calculate federal and provincial or territorial tax, and determine if you have a balance of tax owing for the year, or whether you are entitled to a refund of some or all of the tax that was deducted from your income during the year.

Sales Taxes

When you purchase an item or a service one or more types of tax may be added:

Goods and Services Tax (GST) - A 5% federal tax applies to most goods and services sold in Canada.
Provincial Sales Tax (PST) - With the exception of Alberta, the provinces also tax many new and used items (but not services). The rate varies by province.
Harmonized Sales Tax (HST) - In Nova Scotia, New Brunswick, and Newfoundland and Labrador, the GST and PST are combined into a single tax - the HST. The HST is 13% (5% GST plus 8% PST) and is added to the cost of the goods or services for the final total price.

Provincial/Territorial tax rates (combined chart)*
Provinces/Territories	Rate(s)
Newfoundland and Labrador	7.7% on the first $31,061 of taxable income, + 12.8% on the next $31,060, + 15.5% on the amount over $62,121
Prince Edward Island	9.8% on the first $31,984 of taxable income, + 13.8% on the next $31,985, + 16.7% on the amount over $63,969
Nova Scotia	8.79% on the first $29,590 of taxable income, + 14.95% on the next $29,590, + 16.67% on the next $33,820 + 17.5% on the amount over $93,000
New Brunswick	10.12% on the first $35,707 of taxable income, + 15.48% on the next $35,708, + 16.8% on the next $44,690, + 17.95% on the amount over $116,105
Quebec	Contact Revenu Québec
Ontario	6.05% on the first $36,848 of taxable income, + 9.15% on the next $36,850, + 11.16% on the amount over $73,698
Manitoba	10.8% on the first $31,000 of taxable income, + 12.75% on the next $36,000, + 17.4% on the amount over $67,000
Saskatchewan	11% on the first $40,113 of taxable income, + 13% on the next $74,497, + 15% on the amount over $114,610
Alberta	10% of taxable income
British Columbia	5.06% on the first $35,716 of taxable income, + 7.7% on the next $35,717, + 10.5% on the next $10,581, + 12.29% on the next $17,574, + 14.7% on the amount over $99,588
Yukon	7.04% on the first $38,832 of taxable income, + 9.68% on the next $38,832, + 11.44% on the next $48,600, + 12.76% on the amount over $126,264
Northwest Territories	5.9% on the first $36,885 of taxable income, + 8.6% on the next $36,887, + 12.2% on the next $46,164, + 14.05% on the amount over $119,936
Nunavut	4% on the first $38,832 of taxable income, + 7% on the next $38,832, + 9% on the next $48,600, + 11.5% on the amount over $126,264
* Source: http://www.cra.gc.ca as of September 18, 2009

Pay Deductions

The following deductions are standard for all employees in Canada. The deductions are automatically taken out from your paycheck before you receive your pay.

Income taxes
Canada Pension Plan or Quebec Pension Plan
Employment Insurance
Union dues - if you belong to a union
Contributions to a retirement or pension plan
Any other necessary or agreed upon deductions between you and your employer

The above deduction could reduce your pay by as much as 25% to 35% of your total income.

Source:Going to Canada

Transportation

If you plan to live in a city and will not have a car, budget for public transportation. Public transportation in Canada is reliable and safe, and is reasonably priced.

If you will be buying a motor vehicle, budget for gasoline, maintenance, and repairs and automobile insurance, along with the cost of the vehicle.

Insurance

Canadians purchase a number of different types of insurance. Some are required by law and some are purchased to provide financial security. Common types are:

Automobile insurance (required to drive a vehicle)
Property insurance (to protect your home and your belongings from theft or damage)
Medical insurance (addition provincial health coverage)
Life insurance (to protect your family if anything should happen to you)
Creditor's insurance (to cover outstanding debts if you are unable to work)

Expenses in Canada: Comunications, Education and Healthcare.

Various cellular phones from the last decade

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Communications

Telephones - You can buy your own telephone, or rent one from the telephone company. Major home phone companies are: Rogers, Bell and Primus
Average Cost of Telephone (Monthly): $20 - $40 plus long distance charges.
Cellular phones - Many Canadians have a cellular (cell), or mobile, phone instead of or in addition to a land-line. You will need to purchase a phone and pay for the monthly phone service. Major cell phone retailers are: Rogers, Bell, Fido, Telus, Virgin Mobile, Solo and Koodo.
Average Cost of Cell Phone (Monthly): $40 + Cost Initial Cost of Phone
Cable or satellite television - you may need to purchase cable or satellite service. There is a monthly fee for such service, and it usually varies depending on the provider, the scope of the package and the options you choose.
Average Cost of Cable (Monthly): $25 - $50
Internet - Many Canadians subscribe to an Internet service, which allows them to surf the web or send emails from their home computer. You can purchase Internet service from most cable or telephone companies.
Average Cost of Internet (Monthly): $20 - $60

To keep in touch with your relatives abroad, get a free $5 calling card when you sign up for the Scotiabank StartRight Program

Education

Education is important to Canadians, and attendance is mandatory for children between the ages of six and 16. In Canada, children are eligible to receive free elementary and high school education through the government-funded public education system. Budget for additional expenses such as school supplies, some books, sports equipment and musical instruments.

A Scotia® RESP (Registered Education Savings Plan) will help you to provide for your child's post-secondary education, especially when you invest early and regularly. Find out more.

Average costs for Undergraduate or post-secondary education
Province	2008-2009 Undergraduate tuition fees (avg. per academic year)*
Newfoundland and Labrador	$2,632
Prince Edward Island	$4,530
Nova Scotia	$5,932
New Brunswick	$5,590
Quebec	$2,167
Ontario	$5,643
Manitoba	$3,276
Saskatchewan	$5,015
Alberta	$5,361
British Columbia)	$5,040
* Source: Statistics Canada as of March 26th, 2009

About Canada's Health Care

One of the most important things you need to do as soon as you arrive in Canada is to apply for a health insurance card. All members of your family, even newborn babies, must have their own card. You can get an application form from the provincial ministry of health office, any doctor's office, a hospital or a pharmacy.

To apply for a health card, you will need your birth certificate or Confirmation of immigration status in Canada (IMM 5292) and passport. Your Permanent Resident card may also be presented. In most provinces, you will receive coverage as soon as you apply.

Health-care services covered by medicare include:

examination and treatment by family doctors;
many types of surgery;
most treatment by specialists;
hospital care;
X-rays;
many laboratory tests; and
most immunizations.

Health-care services not covered by medicare, and for which you will have to pay, include:

ambulance services;
prescription drugs;
dental care; and
glasses and contact lenses.

ScotiaLife Financial™1 can help protect you and your family from life's unexpected events. Find out more.

Medical Expenses

Canadian residents enjoy a healthcare system that is publicly funded. Many health services are paid for from taxes and are free to all residents of Canada who hold a provincial health card.

However, not all medical expenses are covered. Depending on the province in which you live, you may have to pay for services such as:

Dental care
Eye examinations and prescription eye wear
Treatment provided by psychologists, chiropractors, physiotherapists, massage therapists, acupuncturists, dietitians and naturopaths
Cosmetic or elective surgery

Immigration Canada

Our country needs more people

Minister Kenney launches national consultations on immigration levels and mix

Be emotionally prepared - Newcomers to Canada offer move-in advice: RBC poll

Minister seeks input on immigration issues

Canada's 25 favourite companies for 2011

Immigrants Outnumber Temporary Foreign Workers by 22 to 1. So What’s the Big Problem?