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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 05:28 PM
Original message
Canadian benefits and pensions
Edited on Sun Apr-17-11 05:31 PM by murphyj87
Canadian unemployment rate is 7.7% for March, 2011 (vs. 8.8% in the US).

Canada continues to have NO failed banks (vs. over 300 US failed banks since January 1, 2008).

The gap between rich and poor in Canada is 28% of the gap between rich and poor in the United States.

Canadians have more liberty, rights, and freedoms than Americans have, or ever have had.

Minimum wage in most parts of Canada is over $10.00 an hour. Most Canadians have 6 weeks of vacation with pay each year, and most Canadians retire at age 55 to 60.

The Canadian Government pays 65% of the university tuition of a Canadian university student (foreign students in Canadian universities pay full tuition). How much does the US government pay toward your or your kid's university tuition?

Canadian parents receive a Family Allowance cheque from the Canadian Government of $100 per month per dependent child under age 19. How much does your government pay you to cover expenses for your children? Why assist with child expenses? Because that is the way Canadians and other people in ADVANCED nations do things. The fact that the United States does not do this is because the US is a backward, reactionary society, made up of mostly uninformed, narrow minded people who want to go back to the a time between the 1950's and the Dark Ages.

100% of Canadians have access to health care, paid for through taxation, with no insurance costs, no deductibles, no copays, no out of pocket costs, and costing $1200 a month LESS than Americans pay for taxes + health insurance +deductibles + copays. 100% of Canadians have access to all the healthcare they need in Canada vs. 37% of Americans who have insufficient access to health care to meet their medical needs. Canadians have 82% of gross pay after taxes (which include health costs). US has 81.9% of gross pay after taxes (and then they pay health insurance, deductibles and copays). The largest survey on primary health care ever conducted in Canada found that most people have high praise for their family doctor, and a staggering 92 per cent would recommend their physician to a relative or friend.

Canadians, except those living in Nunavut have excellent access to primary health care: 85 per cent of Canadians aged 12 and older have a regular doctor (only 16% of Americans have a regular family doctor), and two thirds have been seeing the same doctor for five years or more, according to the Canadian Institute for Health Information (CIHI) study. 1200 Hip replacements in Canada last year were on people over 85. Do 100% of Americans have access to all the health care they need with no insurance costs, no deductible, no copay, no out of pocket cost of any kind as Canadians do? NO.

85.2% of Canadians reported that they were "satisfied" or "very satisfied" with the way health care services are provided in their country and an even higher number (89.8%) rated their physician in the same way though slightly lower ratings were awarded to hospitals (79.9% being "satisfied" or "very satisfied"). In a Canadian National Population Health Survey it was reported that only 0.5% of Canadians had sought medical care in the US in the previous year and that 0.5% of the patients treated in Canada by physicians and hospitals were Americans, who had crossed the border into Canada for Canadian medical care.

In 2007, Gordon H. Guyatt et al. conducted a meta-analysis, or systematic review, of studies that compared health outcomes for similar conditions in Canada and the U.S., in Open Medicine. They concluded, "Available studies suggest that health outcomes may be superior in patients cared for in Canada versus the United States, but differences are not consistent." Guyatt identified studies addressing conditions including cancer, coronary artery disease, chronic medical illnesses and surgical procedures. Of the 10 studies with the strongest statistical validity, 5 favoured Canada, 2 favoured the United States, and 3 were equivalent. Overall, results for mortality favoured Canada with a 5% advantage.

The extra cost of malpractice lawsuits is an insignificant proportion of health spending in both the U.S. (0.46%) and Canada (0.27%). In Canada the total cost of settlements, legal fees, and insurance comes to $4 per person each year, but in the United States it is $16 per person of the 63% of Americans who have sufficient health coverage (Insurance, Medicare, Medicaid, DVA or DoD) to actually be able to see a physician. Many Americans think that tort reform, as occurred in Texas, will lower U.S. malpractice lawsuits to Canadian levels, however, In spite of rhetoric to the contrary, the data show that the health care system in Texas has grown worse since 2003 by nearly every measure. For example:

The percentage of uninsured people in Texas has increased, remaining the highest in the country with a quarter of Texans now uninsured. The cost of health insurance in the state has more than doubled. The cost of health care in Texas (measured by per patient Medicare reimbursements) has increased at nearly double the national average. Spending increases for diagnostic testing (measured by per patient Medicare reimbursements) have far exceeded the national average

Members of Congress have conjured the supposed benefits of the Texas law out of thin air, said David Arkush, director of Public Citizen's Congress Watch division. the only winners have been the insurance companies and, to a lesser extent, doctors.

Defenders of the Texas law claim it has prompted a massive influx of new doctors into the state, especially in underserved rural areas. But this, too, is false, according to state data. The growth in the number of doctors per capita in Texas has slowed since the liability law took effect. Meanwhile, the number of doctors per capita in underserved rural areas has decreased since 2003.

The only improvement shown by the data is a decline in doctors' liability insurance premiums. But the reported 27 percent decrease in those premiums is dwarfed by the 67 percent reduction in malpractice payments, suggesting that liability insurance companies have pocketed most of the gains. The Texas data provide no evidence that patients or taxpayers have shared in the windfall at all.

As well, the prevalence of unnecessary surgery and cancer deaths caused by unnecessary CT Scans (500 times the radiation of an X-ray) in the U.S causes a large number of the 225,000 deaths per year caused by medical mistakes.

In 2005 Shona Holmes of Waterdown, Ontario, traveled to the Mayo Clinic after deciding she couldn't afford to wait the time that she falsely claimed she had to wait for appointments with specialists through the Ontario health care system . She had characterized her condition as an emergency, said she was losing her sight, and portrayed her condition as life-threatening brain cancer. In July 2009 Holmes agreed to appear in well paid television ads broadcast in the United States with here version of the "truth", warning Americans of the "dangers" of adopting a Canadian style health care system. After her ad appeared, critics pointed out many discrepancies in her story, including that Rathke's cleft cyst, the condition she was treated for, was not a form of cancer, and was in no way life-threatening, in fact, the mortality rate for patients with a Rathke's cleft cyst is zero percent and that she waited as long for treatment at the Mayo Clinic in Arizona as she would have waited in Ontario.

The cost of prescription drugs in Canada is 40% of what they are in the US because the Canadian Government negotiated a licensing deal with drug companies which gives the Canadian Government price controls on prescription drugs in exchange for longer patents for the drug companies. 51% of U.S. primary care physicians report that patients often have difficulty paying for medications, compared with 7% of Canadians who have difficulty paying for prescriptions. How do you Americans like paying 2.5 times what we do for prescription drugs?

In addition to Canada Pension Plan (like US Social Security, except that CPP is 20% more than US SS and can begin at age 60.Survivor benefit of CPP is $2500 while survivor benefit for US SS is only $255), Canadian Senior age 65 and above receives a $600 Old Age Security Pension cheque per month. I retired at age 55, and the total of my pensions, (company pension, Canada Pension, and Old Age Security) is the same as if I were working for $23.45 CDN ($24.23 US) an hour

PLUS an additional means tested Guaranteed Income Suppliment. Do you get Social Security at age 60 as Canadians do? How much does your American government pay you as a pension over and above your Social Security?

The bureaucracy and cost of a Canadian government system is 1/50 of that of an American "for profit" business (like a US health insurance company or hospital). For example, the overhead of US health insurance companies is 41%. Canadian universal single payer health system overhead 6%. Americans pay far more overhead to a "for profit" company than it costs to run a Canadian or American government service. Most of what Canadians pay in taxes is returned to them in goods and services. Most of what Americans pay in taxes and fees goes to overhead and profit of private companies directly or being contracted out to provide government services. Americans view of Canada is severely distorted and based on misinformation. (98.4% of Canadians have no complaint about the amount of taxes they pay, based on the goods and services they receive in return for those taxes.
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Cleita Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:33 PM
Response to Original message
1. I say that Canada should annex the West Coast
and liberal East coast states. The rest of the red states can become Tealand States of America
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RKP5637 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:47 PM
Response to Reply #1
5. I would pick up and move for that in a nanosecond!!! n/t
Edited on Sun Apr-17-11 05:48 PM by RKP5637
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Billy Burnett Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:34 PM
Response to Original message
2. AND, Canadians have ... wait for it ...
... poutine!



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Duer 157099 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:37 PM
Response to Original message
3. OK OK I'm sold, now tell me how I can become Canadian?
My ancestors are from there, but too far back (1600s) to grandfather me in.
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Mon Apr-18-11 12:51 AM
Response to Reply #3
28. Citizenship and Immigration Canada
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virgogal Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:40 PM
Response to Original message
4. What liberty,rights,and freedoms do they have that we don't have?
This is NOT an argument,I'm just curious.
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PDJane Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:49 PM
Response to Reply #4
6. Ah........well, we don't have the Patriot Act,
if that counts.
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virgogal Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 05:55 PM
Response to Reply #6
7. Right,but that's fairly new. I was wondering what they HAVE. My
late mother was Canadian and I love the country but I always figured we were in the same boat in the rights and freedoms department

and I never heard any Canadian make that type of claim.
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 06:01 PM
Response to Reply #7
8. The main right that Canadians have...
Edited on Sun Apr-17-11 06:16 PM by murphyj87
The main rights that Canadians have that Americans do not is the universal, unalienable right to health care, the right to be free of arms, and equal marriage rights (aka gay marriage) nationwide. Canada also has a constitutional right for the deaf or non english or french speakers to be supplied a translator if they have to appear in court. The Canadian Charter of Rights and Freedoms, like your Constitution, was created in 1981 and enumerated several rights and freedoms not contained in the Canada Act of 1867 which it replaced.
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virgogal Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 06:21 PM
Response to Reply #8
13. Thanks for the informative answer. (Mom was from Cape Breton)
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 06:30 PM
Response to Reply #13
14. I'm in Halifax
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Zoigal Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-18-11 05:10 PM
Response to Reply #8
32. If i became a permanent residedent of Canada would i have to pay Canadian taxes on
my US social security and teacher's pension?...z
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Tue Apr-19-11 05:26 AM
Response to Reply #32
33. Canadian tax deductions.....
Edited on Tue Apr-19-11 05:31 AM by murphyj87
Generally speaking, any taxes paid in foreign nations are deductable on your T-1 Shedule 1 (T-1 is like your 1040)

Everyone filing a Canadian tax return has a personal deduction from total income, which for the 2010 tax year was $10,382 and if you have a spouse or partner, that deduction is an additional $10,382 minus a percentage of their income. If you do not have a spouse or partner, but have a child under 18, that child is deducted as a spouse would be (equivalent to married deduction), any child other than an "equivalent to married" child is a $2101 deduction.

You might also be eligible for the pension income deduction of $2000.

If you were born in or before 1945 (for the 2010 tax year) you have an additional age deduction of $6447.

Any additional medical expenses you or your family might have not covered by the health care system (vision care, dental care, perhaps some prescription drugs - depending on which province) the deduction is the total of the medical expenses minus 3% of your net income. If you have total income of say $50,000, the average net income for a senior with that income would be about $30,000, so, any supplimental medical expenses (vision, dental, etc.) over $900 (3% of the $30,000 net income) is tax deductable.

Canada Revenue Agency (like your IRS)

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whoneedstickets Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 06:04 PM
Response to Reply #4
9. Equal Marriage rights, for one..
nt
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ProgressiveProfessor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 07:03 PM
Response to Reply #4
17. Actually they have less in many areas
Many more speech restrictions and do not even think about firearms.
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provis99 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 07:22 PM
Response to Reply #17
18. Canada is one of the most heavily armed nations in the world.
And free speech is much more restricted in America: calling some an ethnic slur will DOUBLE prison time on any crime you commit against them. In Canada, you get a small fine for calling someone a name.

You don't have a clue of what you are talking about, as usual, "Professor".
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whoneedstickets Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 08:25 PM
Response to Reply #17
20. There are hate speech restrictions and limits on media prohibiting lying!
Not so bad in my book
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ProgressiveProfessor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-18-11 02:13 AM
Response to Reply #20
29. Hate speech has been used to muzzle dissenting opinions
to the point where some of the enforcement mechanisms are under serious review
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Mon Apr-18-11 03:11 AM
Response to Reply #17
31. Right about Firearms?
Edited on Mon Apr-18-11 03:24 AM by murphyj87
We Canadians have a right about firearms ... we Canadians have the right to be free of firearms. Only in the United States is it more of a priority to have a gun than it is to provide healthcare for the 45,000 Americans each year who die from lack of access to adequate health care, which they would be guaranteed in Canada, or in any ADVANCED nation, which the United States is definitely not, an advanced nation.

The "restrictions to speech" that you talk about are laws against incitement to violence, of a kind which will land you in federal court in the US as well. The highest profile case like that was the hate and violence merchant, Mark Levin, who was inciting violence against Muslims, and appeared before the branch of the federal court known as the Canadian Human Rights Commission, because a criminal compliant was lodged against him, in exactly the same way that it would be lodged in the United States. In actual fact, Canadians have as much freedom of speech, and in some ways, more freedom of speech than Americans have.

Some Americans say how much it costs for the American military to protect Canada. In actual fact, the greatest threat to Canada, to Canadians, and to the Canadian way of life, the only real enemy Canada has, is the United States, so, unless the American military attacks the United States, it is in no way not defending Canada from it's greatest enemy.
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Welibs Donating Member (125 posts) Send PM | Profile | Ignore Sun Apr-17-11 11:26 PM
Response to Reply #4
22. Canadians are live and let live people.
Edited on Sun Apr-17-11 11:31 PM by Welibs
I am married to a Canadian and I have lived both sides of the border. This is the most peaceful place on earth for me. People don't care who their neighbors are, where they come from, what colour they are or what religion they practice.

There are no pockets of the country that you really have to avoid because of crime FROM COPS. Yes, they have crime but not even close to one of our major cities.

You don't EVER have to be quiet about your politics or anything else. They have spirited conversations about everything and sometimes it gets out of hand but people don't swarm their opposition and intimidate them like Palin's supporters, tea partiers did in Wisconsin today. They wouldn't stand by if someone stomped on someone else's head as that tea partier did in Ky last year. They would not put up with this behaviour and it would not happen in Canada. They believe people have a RIGHT to the opinion and beliefs and Privacy that the tea partiers seem to think only They are allowed to not have the government intrude in their lives, THEY ARE DEMANDING THE GOVERNMENT INTRUDE IN OURS! just like the US Constitution says we have rights but the tea partiers don't seem to think we have a right to our rights.

I'm not saying it's perfect but I travel a lot, 2 decades all over the world for business and Canada is the most peaceful. It's the most like the US and while there are difference, our values used to be the similar.

They pay their essential services, police and fire fighter services etc, more than the US does and they get better services because they give the tools that the service providers need to do their jobs to their full potential. Their government works FOR the people and it doesn't take from them like the right is trying to do. They wouldn't think about it as the people would rise up and they know they would be bodily dragged from office.

Oh and they also get 1 WHOLE YEAR MATERNITY LEAVE! Either parent can take it. THIS IS HOW GOVERNMENT IS SUPPOSED TO WORK! THEY HAVE AWESOME MEDICAL!
I don't ever worry about anyone getting sick anymore. We can go to the doctor any time we want to. The only wait times are for non-essential elective surgeries and their government pays if they have to go out of the country for any services. There is NO ONE in between you and your doctor. NO ONE EVER sticks their noses in treatment orders or drugs or hospital stays or anything else. Insurance companies make life and death decisions for all Americans. THIS DOES NOT HAPPEN ANYWHERE ELSE IN THE WORLD. It's criminal. American health care sucks. My whole family is in the USA and I see it all the time!

It's a great country and my Cdn family loves the US and Americans. My parents sent me to school in Canada as well and I remember when the President of the United States spoke, it was mandatory viewing for everyone and no one missed it. The right makes a mockery of Obama speaking to school children to tell them to stay in school and excel so they can help the country grow and do great things! How has it become about indoctrinating children as when Obama spoke in 2009? Anyway, it always make me feel so close to a nation of tolerant and accepting people.
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whoneedstickets Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 06:06 PM
Response to Original message
10. And this is why FOX news has been so eager to get into Canada.
It drives them crazy that there is a solidly functional example of success using exactly the policies they abhor, right next door!

Universal Health Care
Equal Rights for Gay Marriage
Public School systems that work
Less guns & less violent crime
etc..

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tuvor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 06:17 PM
Response to Original message
11. This Canadian doesn't know anyone who gets six weeks' paid vacation.
It's usually two weeks after working for one year. Three weeks after working for five. Not sure how long one usually has to work in order to earn six weeks.
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 06:20 PM
Response to Reply #11
12. 19 years
Edited on Sun Apr-17-11 06:28 PM by murphyj87
19 years. We all had, and those still working still have, 6 weeks vacation with pay from 20 to 35 years. I retired at age 55 with 99.1% of a full pension after working for the same company for 34 years and 8 months.
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tuvor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 06:30 PM
Response to Reply #12
15. Hardly "most of Canadians".
Very few today are lucky enough to be able to stick with the same employer for 19 years. You start a new job, you start again at the bottom: two weeks paid vacation after a year.
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 06:34 PM
Response to Reply #15
16. Many..
Many other companies had better vacation policies than we had, longer vacations sooner.....
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Mon Apr-18-11 02:52 AM
Response to Reply #15
30. In the company I worked for....
0 to 4 years - 2 weeks vacation with pay

5 to 9 years - 3 weeks vacation with pay

10 to 14 years - 4 weeks vacation with pay

15 to 19 years - 5 weeks vacation with pay

20+ years - 6 weeks vacation with pay
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Festivito Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 08:01 PM
Response to Original message
19. Is there a link to this? /nt
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 11:59 PM
Response to Reply #19
25. Much if that is based on my own experience................
Edited on Mon Apr-18-11 12:01 AM by murphyj87
Much of that is based on my own experience, living in Canada for 65 years, but working for a Canadian multinational corporation which led me to have to work one day a week in the US for seven years. I got to see the US and particularly the pathetic US health care system, and comparing it to the health care I had and still have in Canada first hand.
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Festivito Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-18-11 12:38 AM
Response to Reply #25
27. Thank you for the response and for the opinion piece. /nt
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whoneedstickets Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Apr-17-11 08:26 PM
Response to Original message
21. You forgot mandadory maternity leave ...6 months.
In most provinces.
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Welibs Donating Member (125 posts) Send PM | Profile | Ignore Sun Apr-17-11 11:30 PM
Response to Reply #21
23. A YEAR!!! AND EITHER PARENT CAN TAKE IT!!!
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Sun Apr-17-11 11:55 PM
Response to Reply #23
24. I probably forgot quite a few..nt
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murphyj87 Donating Member (570 posts) Send PM | Profile | Ignore Mon Apr-18-11 12:06 AM
Response to Reply #21
26. and Pharmacare
Edited on Mon Apr-18-11 12:08 AM by murphyj87
In Nova Scotia, and maybe other provinces,anyone without a company drug plan, not only Seniors, pay for prescription drugs dispensed outside of a hospital until the amount reaches 3% of their net income. After that, the province pays 80% and the individual pays 20% of the remainder. Of course prescription drugs in Canada cost 30% to 40% of what Americans pay to begin with.
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