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Liberalization of Markets

Are Loyalty Programs Bad for Consumers?

Today, 89% of Canadians adhere to at least one loyalty program (also called a reward program), and 41% adhere to a program that is connected to a credit card. In other cases, such programs are connected to stand-alone loyalty cards or smartphone applications. Many critics maintain that these programs do not really offer any benefits for consumers, and suggest that they should be regulated. What is the truth of the matter, and what effects have such regulations had in countries that have adopted them?

Setting the Record Straight on Health Care Funding in Canada

Is the responsibility for financing health care services being increasingly entrusted to private actors? Is there more private sector funding of care here than in Europe, as some maintain? Contrary to what certain commentators declare, we are not witnessing the gradual privatization of health care funding in Canada. This Economic Note demonstrates that this is a myth, at least when it comes to medically required care, which forms the core of our health care system.

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