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    Canada’s post-graduation work permit: requirements and how to apply

    By PTE Author
    Reading time: 5 minutes

    Canada needs immigrants to grow its population. And there’s good news for students: foreign learners and people with a post-graduation work permit (PGWP) are some of the most important propellers of the country’s population growth.  

    So how does a PGWP work? In this guide, we cover what you need to know. You’ll learn about who’s eligible, how much it costs, and most importantly, how long you can stay in the country after graduation to gain Canadian work experience.  

    Canada’s post-graduation work permit: how does it work? 

    The PGWP lets international students who have graduated from an eligible designated learning institution to stay in Canada and work for up to three years. Not surprisingly, the program is a big draw to work and study in Canada for international students – and it’s grown in popularity over the last several years.  

    Just take a look at the numbers: between 2005 and 2016, the amount of permits issued to new graduates increased by 15 times – from 7,400 to 117,700 per year. By 2018, 143,000 permits were issued. And in the first quarter of 2021, PGWPs increased 160% year-over-year.  

    The PGWP is an open work permit, which means you can work for any employer in Canada. You also don’t need a job offer to apply. The length of your PGWP depends on how long you’ve studied in Canada. For example, if your program was: 

    • Under 8 months, you won’t be eligible for a PGWP. 

    • Less than 2 years, you may get a permit for the same amount of time as you studied (for example if your program was one year, you might get a permit for one year).

    • More than 2 years, you could be eligible for a 3-year permit. 

    If you studied more than 1 program, you may also get a PGWP that combines the length of each program.  

    Who is eligible?  

    To be eligible for a PGWP, you need to meet a number of criteria. For example, you need to have graduated from a program that was at least 8 months long at a designated learning institution – and have earned a degree, diploma, or certificate from that. 

    International students who were approved for a study permit and are studying online outside Canada due to the pandemic are also eligible for a PGWP.  

    However, people who’ve only studied English or French as a second language in Canada are not.  

    For a full list of criteria, make sure to check out the Government of Canada website.  

    How can you apply? 

    Before you begin the application process, you need to have proof that you’ve completed your studies. You need to show either: 

    • An official letter from your institution 

    • An official transcript  

    • A degree or diploma  

    After you’ve got one of these, you need to apply for a PGWP within 180 days.  

    Instructions for exactly how to apply depending on whether you’re applying from inside or outside Canada. You can find the step-by-step instructions on the Government of Canada website – including an official guide and a document checklist.  

    How much does it cost? 

    It costs $255 CAD to apply for a PGWP. Processing times differ, but it can take up to 73 days to be approved on average. However, the good news is that many graduates can work while they’re waiting on a decision.  

    Other visa options  

    Being able to work and study in Canada for international students around the world is often a dream come true. However if you’re not eligible for a PGWP, you do have some other visa options.  

    An employer-specific work permit 

    This type of work permit allows you to work for a certain amount of time for a specific employer. You might be eligible for this if you’ve gotten a job to be a researcher at a university, or a charitable worker at an NGO, for example.  

    Canada has a tool to help you learn more about what type of work permit you could be eligible for. You can check it out here.  

    Permanent residence  

    If you’ve worked full-time for 12 months after graduation in a skilled trade, a professional job that requires a degree, or a management-level job, you could be eligible for permanent residence.

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    10 part time jobs for international students in Canada

    By PTE Author
    Reading time: 6 minutes

    In Canada, the average cost of living for an international student is S12,000 CAD per year. So, it makes sense to both work and study in Canada to help cover some costs - as well as to enrich your professional experience abroad. 

    Now, what’s the job market like for international students? There are plenty of jobs out there that will allow you to work while you study. In this blog, we’ll outline our 10 top picks for part-time student jobs in Canada:  

    1. Jobs on campus   

    What you could make: about $11.45-$16 CAD/hour across Canada 

    Looking for a job close to university? Well, why not work right at your university? There are a whole range of jobs for international students on campus - such as at the athletic center, the library, or with an organization whose work you care about.  

    And, getting a job on campus isn’t just convenient. It also lets you become even more involved in the student community - as well as help you network with other students and professors you may not have otherwise met through your studies.  

    How much you make will depend on where you work on campus. However, you will make at least minimum wage. This is different in each province but ranges between $11.45 and $16 CAD/hour across the country.  

    2. Barista 

    What you could make: $13.26 CAD/hour on average across Canada 

    Canadians love coffee. In fact, Canada is actually one of the largest coffee-consuming countries in the world. So, what better place to experience Canadian culture than at a coffee shop? Working as a barista will not only teach you how to make some delicious hot drinks, but also give you the chance to practice your English skills as you chat with customers.  

    Canada’s famous coffee chain, Tim Hortons, is by far the most prevalent coffee shop in the country. There are more than 5000 Tim Hortons restaurants worldwide (and the big majority of them are in Canada!). 

    3. Snow Removal/landscaping 

    What you could make: $20 CAD/hour on average across Canada 

    If you don’t mind the cold, snow removal might be a great high-paying job for you. This involves shoveling snow from sidewalks and driveways, as well as putting salt down on walkways or stairs so people don’t slip and fall. Since it doesn’t snow all-year-round, snow removal companies often work with the same people to landscape in the spring and summer, or rake leaves in the fall - it’s a four-season job! 

    4. Sales assistant  

    What you could make: $17 CAD/hour on average across Canada 

    Being a sales assistant is a great way to practice your language skills in a fast-paced environment. As a sales assistant, you’ll operate the cash register and support customers in the store. It’s a job that requires you to be on your feet all day, but you likely won’t have to work very early mornings or late nights.  

    5. Server 

    What you could make: $12.20 CAD/hour on average across Canada 

    The restaurant industry is a great place to work in Canada. Tipping is part of Canadian culture - it’s common to tip 15-25% - so you can expect to get paid quite well. In fact, some servers at busy restaurants can make hundreds of dollars in tips a night! It’s one of the reasons being a server is so popular among students who work and study in Canada.  

    6. Tour guide  

    What you could make: $15.50 CAD/hour on average across Canada 

    Are you an energetic people person? Being a tour guide could be a great opportunity. Whether you work with a museum, walking tour company, or tourist attraction, you’ll get to share the knowledge you have of your new city. You also have the chance to meet interesting people from around the world, and perhaps even give tours in your own language to tourists from home.  

    7. Dog walker  

    What you could make: $13 CAD/hour on average across Canada 

    If you’re used to having a dog at home, it can feel weird to be without your furry friend while studying abroad - we get it! So, why not try out dog walking? It’s great exercise, and better yet, spending time with a dog can help reduce stress. Sounds like the perfect job to us.  

    8. Teaching assistant  

    What you could make: $25.15 CAD/hour on average across Canada 

    Being a teaching assistant is a popular job for university students in Canada - especially since it’s a position that gives you professional experience in your industry. As a teaching assistant you’ll help with lectures, marking, and support students in their studies, and professors usually require you to be a graduate student or have experience in the course.   

    9. Residence advisor 

    What you could make: about $7500-$9000 CAD/2 semesters  

    A residence advisor is an undergraduate student who lives in residence with fellow students (usually 1st years) and is responsible for their well-being on campus. They act as role models, help to build community, and plan team-building events for students. It’s an excellent job to put on your resume to demonstrate those important leadership skills. Plus, many residence advisors get a rent subsidy - which is a good benefit.  

    10. The National Research Council Student Employment Program  

    What you could make: $563-$1274 CAD/week (when working full time) 

    The Student Employment Program by Canada’s National Research Council (NRC) is an opportunity open to international students studying full-time at Canadian educational institutions. It offers you the chance to work at a Canadian research facility for four months. You will contribute to research and development projects in STEM (Science, technology, engineering, math), business, marketing, finance, and more. Learn more about the program here.  

    How many hours can I work? 

    If you are a full-time student at a designated learning institution, you can work up to 20 hours each week off-campus during the semester. Then, during scheduled breaks (like during summer vacation) you can work full time. Unlike in the UK, you can also be self-employed as an international student in Canada.  

    You might be interested in our blog: How to apply for a Canadian student visa 

    Where should I look for work?  

    There are plenty of websites that can help you look for work in Canada. The Government of Canada’s Job Bank is designed specifically for people aged 15-30 to look for both full-time and part-time jobs. There are also websites like Indeed, Workopolis, and Monster.  

    Overall, there are many job opportunities for international students in Canada. And after you graduate, you can also apply for a Canadian post-graduation work permit – which may allow you to stay in Canada to work for up to three years.  

    Read more about Canada’s post-graduation work permit our blog, and learn more about how PTE Academic can help you succeed in Canada today.

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    How to apply for a Canadian student visa

    By PTE Author
    Reading time: 6 minutes

    In recent years, Canada has carved out its place on the map as a destination for international students. In fact, the number of students from abroad has tripled over the past decade - and the country is now ranked third in the world for attracting international learners.  

    It’s no wonder. With top universities, multicultural cities, and incredible natural landscapes, Canada is an excellent place to call home and propel your career. So, what type of visa do you need to study in Canada? In this blog, we’ll go through Canada student visa requirements and learn what it takes to apply:  

    Why study in Canada 

    Want to study along the pacific coast with a mountain view? What about in a creative city close to incredible National Parks? Or a stone's throw away from the mighty Niagara Falls? Canada has it all. The country’s landscapes and cities are incredibly diverse - and people who study here will have the opportunity to explore all Canada has to offer. 

    Canada was named the best country for quality of life in 2020. And according to the QS Best Student Cities 2019 ranking, three Canadian cities are listed among the top in the world - including Montreal (6), Toronto (11),and Vancouver (16). Canada is also home to a number of world-class institutions, many of which are ranked in the top 50 globally by the same QS ranking. These include:  

    • University of Toronto (25) 

    • McGill University (31)  

    • University of British Columbia (45)  

    Finally, there’s a good job market for international students in Canada. Between 2009-2019, almost 1.8 million jobs were created in Canada for university graduates. What’s more, 80% of employers say hiring graduates with international experience enhances their companies.  

    Canada student visa requirements 

    To study in Canada, you need to apply for a study permit. This isn’t a visa, because alone, it doesn’t let you enter the country.  But if your study permit is approved, Canada will also grant you either a visitor visa or electronic travel authorization. This will allow you to travel to Canada. 

    Before applying for a study permit, there are a few requirements to keep in mind. For one, you need to already be enrolled at a designated learning institution, which has been approved by the government to accept international students. Check to see if your university or college is on the list.  

    You also need to prove you have enough money to pay for tuition, living expenses and travel costs associated with studying abroad. If you’re alone in Canada and aren’t settling in Quebec, you will need to have at least $10,000 per year - not including tuition. You can demonstrate this money through bank statements, loan information, or proof of a scholarship. Learn more about scholarships for international students in Canada. 

    Finally, you will also need to be in good health, have no criminal record, and be able to prove you will leave Canada when your study permit is no longer valid. 

    Read more in our article about the cost of living in Canada.

    How do you apply?  

    You can apply for your Canadian study permit online or on paper through the mail. You can also apply from outside Canada or inside Canada. You’ll have to make sure you have all your documents ready to submit.  This includes an acceptance letter from your institution, passport, and proof of funds. If you’re planning to study in Quebec, you’ll also need to apply for a Quebec Acceptance Certificate (CAQ).  

    After you submit your application, you’ll need to give biometrics. You will also likely need to provide a police certificate and pass a medical exam. If you apply from outside Canada, the application process will take about eight weeks. If you apply from inside Canada, it will take about nine weeks.  

    That said, there is a way to get your permit approved sooner. If you’re from Senegal, Vietnam, Pakistan, Morocco, India, China, or the Philippines, you can apply through something called the Student Direct Stream. You should get your permit in just three weeks.  

    Learn more about how to apply on the Canadian government website.  

    How much does it cost? 

    A Canadian study permit costs $150, and this usually includes biometrics. But don’t forget to budget in the price of a police certificate or medical exams, if you need them. Depending on where you currently live, these can increase your costs by quite a lot.  

    What can you do on a student permit?  

    If you’re a full-time student, you can work while studying in Canada (as long as your course  lasts longer than 6 months). But first, you’ll need to apply for a Social Insurance Number (SIN) - this can be done in just a few minutes online, for free. You can work either on-campus or off-campus. If you get a job off-campus, you’ll be able to work 20 hours per week - and full-time during school breaks.  

    And what about Canada’s publicly funded healthcare? Well, not all international students are eligible. Since each province administers their own healthcare, it depends on where you study.  

    For example, many international students in the province of Newfoundland and Labrador have access to free healthcare. But students in Ontario don’t. So, it’s best to reach out to your university or college to see what the situation will be for you. At the same time, you can learn about the insurance options available if you aren’t covered through your province.  

    Staying in Canada after graduation  

    Can you stay in Canada after graduating to work? Yes! International students who’ve finished a course longer than 8 months can apply for a post-graduation work permit (PGWD). This can be valid for up to 3 years.  

    Canada also has a number of streams for permanent residence, which you might be eligible for as an international student. To find out if you can apply, check out this tool on the government’s website.  

    Ready to move to Canada? We’ll help you hit the ground running.  

    Our computer- based language test at PTE Academic is accepted by 200 top Canadian institutions for proof of English proficiency -  including the University of British Columbia, McGill University, University of Waterloo, and McMaster University. 

    Learn more about PTE English tests for Canada.  

    Please note: we are not immigration agents. For all up-to-date information about visa rules and regulations, see the official guidelines on the Government of Canada website.   

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    Canadian scholarships: What international students need to know

    By PTE Author
    Reading time: 7 minutes

    For students wishing to study abroad, it doesn’t get much better than Canada. It is an incredible country with endless opportunities. Study in Canada and you’ll find a rich culture, world-famous universities, and generous Canadian scholarships to help you with costs and tuition.  

    It’s no wonder that the North American nation is a magnet for intelligent, international students. In fact, a Statistics Canada study of the 2018-2019 school year found that Canada hosts students from 225 countries. The study also found that Chinese and Indian students represent more than 50% of that population.  

    What’s more, Canada has been attracting more and more international talent in the past decade. The number of students from abroad has tripled in the past 10 years. International students account for 57.2% of the growth in all program enrollments.    

    Canada is a global leader in terms of university education. But, with more than 100 universities and 15,000 programs of study, it can be difficult to know which are the best and most reputable.  

    Read our guide about how to study in Canada. We’ll break down more about the best universities in Canada and their top programs. Most importantly, we’ll also explore ways to find a Canadian scholarship to fund your studies.  

    Canadian scholarships: What to look for 

    Of course, it’s important to have a plan to finance studies and the cost of living in Canada. That’s where Canadian scholarships come in. Whether you’re looking to fund your undergraduate program or you’re seeking a master's degree scholarship in Canada (or beyond), there are plenty of options.  

    The Canadian government, foundations, and not-for-profit organizations all offer a number of scholarships and grants. The most common place to score scholarships in Canada though is likely from the university itself.  

    Firstly, when looking for Canadian scholarships, international students need to know about the entrance scholarships. Most universities offer these scholarships, which are based on academic history. You’ll be pleased to read that entrance scholarships operate on an automatic consideration basis as part of the admissions process. This means you don’t have to apply for them.

    To understand what those scholarships look like, consider what’s offered by top universities in Canada: 

    The University of Waterloo

    The University of Waterloo in Ontario offers 20 entrance scholarships. These are worth $10,000 and are for international students who have at least a 90% average. In addition, you must demonstrate academic excellence and be starting year one of an undergraduate program.  

    McGill University 

    McGill University in Montreal, Quebec is another of Canada’s best universities. It gives entrance scholarships worth $3,000 to first-time university students starting their undergraduate program. The major entrance scholarship is worth more with some students being awarded as much as $12,000. These scholarships are renewable for three or four years for students who continue to meet scholarship criteria. International students can get this scholarship but short-term exchange students cannot.

    McGill’s in-course awards are awarded automatically by each faculty. Students with excellent academic merit may earn one of these after the academic year is completed.

    University of British Columbia 

    The University of British Columbia is another reputable school. It gives $30 million annually in grants to international undergraduate students. Study there and you could be up for its International Major Entrance Scholarship, which is renewable for three years.  

    Or you might even win its Outstanding International Student Award. This is a one-time award for a student with a strong academic background and involvement in activities beyond the classroom.  

    Government grants 

    The Canada-ASEAN Scholarships and Educational Exchanges for Development program gives support to students from Southeast Asian nations. To be eligible you need to be studying short-term at the college, undergraduate, and graduate levels.  

    They are awarded based on applications submitted by Canadian universities on a candidate’s behalf. These scholarships are part of Canada’s effort to reduce poverty and support sustainable development in the region.  

    The Canadian Commonwealth Scholarship Program is for academically talented students from Commonwealth countries studying at the masters or PhD level. The scholarship is worth $10,000. This helps students pay for transportation, cost of living fees, and any expenses related to their studies in Canada.  

    For students studying in Ontario, the Ontario Graduate Scholarship Program is for those at the masters or doctoral level. To qualify, you must be attending a participating Ontario university, be enrolled for at least two consecutive terms and be studying full-time. Students can get $10,000 for two consecutive terms or $15,000 if they are enrolled in three consecutive terms. This scholarship is funded by the province of Ontario and the participating universities.

    A glimpse at the top universities in Canada 

    One of the best sources that ranks Canada’s best universities is Maclean’s magazine. Each year, the Canadian publication surveys faculty members, senior administration, and successful business people across the country.  

    The aim of the report is to find out their opinions in regards to quality and innovation at Canada’s academic institutions. The result is a published list of rankings of the best overall universities in Canada. In addition, it shares the best programs and best schools based on students’ experiences.  

    In 2021, Maclean’s found the top five Canadian universities to be: 

    Top-ranking specialist schools in Canada 

    Of the international students in Canada, 47% study in the province of Ontario. Their most popular areas of study are business and management, followed by engineering. Considering this, it’s worth looking at the top-ranked schools in those categories as well.  

    After the in-depth surveying of 1,000 professors, deans, and chairs at 80 Canadian institutions, Maclean’s found The University of British Columbia to be the best school for business. The University of Toronto followed in second place. As for engineering, University of Waterloo and The University of Toronto tied for first place.

    How PTE can help you apply for a Visa 

    Canada’s student visa requirements for international students include proof that you have: 

    • a university placement; 

    • the financial ability to live in Canada;

    • your high school transcript and a high level of English.  

    On that last point, you will need to have taken an English language test to prove your abilities in speaking, listening, reading, and writing in order to get your visa.  

    PTE Academic is a trusted English language test accepted by top institutions in Canada including The University of British Columbia, University of Waterloo, McGill University, and McMaster University. PTE Academic can help students study abroad in Canada because Immigration, Refugees, and Citizenship Canada (IRCC) recognizes its tests as being one of the mandatory English tests for a study permit application.  

    If you are planning to take a PTE Academic test to complete your Canada student Visa application, an exam center will not be far away. In Canada, centers currently exist in Toronto, Ottawa, Montreal, Edmonton, Calgary, and Burnaby. 

    Find your nearest exam center now!  

    A home away from home 

    There’s no doubt about it: Canada is a world-class country for getting a university education. It’s also a very multi-culturally diverse place. This means, for international students, it’s a country that offers rich experiences beyond just the classroom.  

    With the recent increase in students coming from countries like India, China, and beyond, many international students find that Canada is an easy place to adjust to. It feels like a home away from home.  

    Canadian universities offer not just top-quality academic institutions and programs, but also scholarships offering students a means to finance their education. That makes Canada an easy choice for furthering your education goals overseas.

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    Student guide: What is the cost of living in Canada?

    By PTE Author
    Reading time: 6 minutes

    Many students dream of studying in Canada. The country has world-renowned teaching facilities and universities, an open immigration system, metropolitan cities, and scenic landscapes. Altogether, it’s a great choice for international students.  

    Studying in Canada is not as expensive as studying in other countries, like the U.S. or U.K. However it is still a big investment. International students pay between $1,800-20,000 CAD per year to attend a Canadian university or college.  

    But, what’s the cost of living in Canada? Canada is a big country and prices vary by region. Nevertheless, the EduCanada government website estimates the average cost of living for foreign students is about $12,000 CAD a year.  

    In this guide, we outline how much students across Canada pay for things like rent, transportation, entertainment, and food – and look into some hidden costs that everyone should keep in mind. 

    Here is our student guide on the cost of living in Canada: 

    Accommodation costs by city  

    When you’re studying in Canada, you can choose between living on-campus or off-campus. Living on-campus is a great opportunity to socialize with other students and make friends. Most institutions also give students on-campus the option to buy a meal plan. But, keep in mind that many universities and colleges prioritize first-year students for on-campus housing.  

    You might also decide to rent an apartment or room off-campus instead. There are lots of housing options in neighborhoods close to universities and colleges – and these are often advertised specifically for students.  

    To give you an idea about how much accommodation will cost, we take a look at some popular Canadian study destinations. Keep in mind, off-campus housing prices might fluctuate because of the pandemic. 

    Toronto  

    At the University of Toronto, on-campus housing for eight months ranges from about $6500- $20,500 CAD, depending on the room and meal-plan. A one-bedroom apartment in Toronto costs about $2,100 CAD/month on average.  

    Vancouver 

    At the University of British Columbia in Vancouver, a room and meal-plan will cost you between $10,700-$13,850 CAD for two terms. A one-bedroom apartment in the city center costs $2,050 CAD/month on average.  

    Montreal 

    At McGill University in Montreal, a single room for 1st-year undergraduate students costs between about $9,700-$12,700 CAD/academic year, without a meal plan. A one-bedroom apartment costs 1,300 CAD/month on average. 

    Halifax 

    At Dalhousie University in Halifax, a single room costs between $8,130-$9,450 CAD/academic year with a meal plan. A one-bedroom apartment costs about $1,400 CAD/month on average.  

    Waterloo 

    At the University of Waterloo, a single room in a traditional-style dorm costs between about $6,700-$7,000 CAD for the fall and winter term, not including a mandatory meal-plan. A one-bedroom apartment costs about $1,500 CAD/month on average.  

    Food costs  

    If you don’t have a meal plan and live off-campus, you must include grocery shopping in your budget. Of course, food prices are different across the country and depend on where you decide to shop.  

    Let’s take a quick look at how much essential items may cost in Canada’s largest city, Toronto:  

    • Milk (about $3 CAD)

    • Rice, 1kg (about $3.50 CAD)

    • Apples, 1kg (about $4 CAD)

    • Red meat, 1kg (about $16 CAD)

    • 12 eggs (about $3.50 CAD)

    According to the City of Toronto’s Nutritious Food Basket Calculator, a male aged 19-30 must spend a minimum of $65.50/week to buy healthy food. A female the same age living in Toronto must spend about $51 CAD/week to buy healthy food.  

    Transportation costs in Canada 

    How much is the average cost of transportation in Canada? Many international students rely on public transportation to get around. And oftentimes, transport costs are included in tuition fees – giving you unlimited access to the city’s whole transportation system.  

    But in some cities – like Toronto and Montreal – you can buy your own pass at a reduced fare. In Montreal, a student pass costs $53 CAD/month. In Toronto, which is a much more expensive city, a pass costs $128 CAD/month.  

    Outside of larger cities, it can also be useful to have a car, especially if you are used to driving at home. But, keep in mind this can cost a lot extra. To get an idea of how much it costs to drive a car in Canada, check out this driving costs calculator by the Canadian Automobile Association (CAA).  

    Entertainment costs 

    Canada offers many cultural and outdoor activities for you to enjoy. You can find world-class music festivals, skiing and snowboarding, and giant sporting events like basketball, hockey, and baseball games.  

    Of course, you will also still get to enjoy many things you did at home. Here are a few things you might like to do in Canada, along with how much each costs:  

    • Visit a renowned museum (many offer free evenings, and entrance for young people or students) 

    • Meet a friend for coffee ($1.76 CAD at coffee chain Tim Hortons) 

    • Rent skates and go ice-skating outdoors (about $10 CAD)

    • Watch a movie in theaters (about $15 CAD)

    • Eat dinner at a casual restaurant (about $15-25 CAD)

    Insurance costs 

    Canada has a publicly-funded health system. However, each province and territory administers its own healthcare. Whether or not you can receive publicly-funded medical coverage will depend on where you are in Canada.  

    If you don’t qualify for public healthcare, your institution might require you to enroll in a specific insurance plan or find your own private coverage. You should check with your institutions about exactly what coverage you need to study safety in Canada.  

    Hidden costs 

    Lots of hidden costs arise when studying abroad, and there are a few things students in Canada should keep in mind.  

    For one, it is expensive to own a cellphone in Canada. In fact, cell phone bills in Canada are among the highest in the world. Canadians pay $101 CAD/month, on average, for a cellphone plan.  

    You will also need to buy warm winter clothing – including a jacket, boots, socks, gloves, hat, and scarf. You can expect to pay about $300-$400 CAD for these items brand new. However, thrift stores might also carry winter clothing for much cheaper.  

    Finally, you shouldn’t forget about Canadian sales taxes. Taxes in Canada are higher than many places in the world and range from about 12%-15%.

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