By contrast, other financial cooperatives distanced themselves from the analogy between deposits and shares in financial cooperatives which underlies the cooperative guarantee scheme (12).

Prominent among such measures include the following: help for vulnerable seniors by enhancing the guaranteed income supplement, also known as the GIS, for seniors who may be at risk of experiencing financial difficulties; support for provincial front line delivery of health care and social programs by extending the temporary total transfer protection to 2011-12, representing nearly $1 billion in support to affected provinces; encouragement for Canada's young entrepreneurs by providing $20 million to help the Canadian Youth Business Foundation; enhanced federal assistance for part-time students by reducing the in-study interest rate to ...[+++] zero, bringing them in line with full-time students; improvements to the registered disability savings plan, also known as the RDSP, by increasing flexibility to access RDSP assets for beneficiaries with shortened life expectancies, and ensuring that individuals can appeal in every single case a determination concerning their eligibility for the disability tax credit; support for Canada's veterans by providing tax relief for Legion purchases of Remembrance Day poppies and wreaths; support for Canada's leadership in genomics research by providing $65 million to Genome Canada to launch a new competition in the area of human health, and sustain the operating costs of Genome Canada and genome centres; strengthened oversight of Canada's mortgage insurance industry to ensure the continued stability of Canada's housing finance system; and much more.

Products offered by the industry include individual and group life insurance; retirement and investment contracts, such as individual and group annuities, RRSPs, RRIFs, and pensions; disability insurance to provide replacement income for individuals who are unable to work due to illness or injury; health insurance benefits supplementary to public plans; critical illness insurance to provide financial assistance in the event of serious health problems; and long-term care insurance to help individuals prepare for a time when they can no longer function independently.

- (h) the financial sustainability of public and private pension schemes, bearing in mind pressures on public finances and the ageing of populations, and in the context of the three-pronged strategy for tackling the budgetary implications of ageing, notably by: supporting longer working lives and active ageing; by balancing contributions and benefits in an appropriate and socially fair manner; and by promoting the affordability and the security of funded and private schemes;

8. In the context of sound public finances, ensure the financial sustainability of public and private pension schemes, notably by: supporting longer working lives and active ageing; ensuring an appropriate and fair balance of contributions and benefits; and promoting the affordability and ensuring the security of funded and private schemes.

Major decreases: $505 million due to the sunsetting of the Agricultural Income Disaster Assistance program; $300 million for reduced forecast of public debt, interest and servicing costs; $265.7 million for the decrease in resource assistance activities in Kosovo as well as the termination of the Canadian Forces presence in Kosovo; $245 million for the reduction in grants to trustees with Registered Education Savings Plans; $204 million for the Canada Student Loans Program; $191 million for the decrease in grants and contributions programs to provinces under the terms of the Disaster Financial Assistance Arrangements; $165.8 millio ...[+++]n for the encashment of demand notes by the international financial institutions; $115.4 million for the decrease in budgetary payments to various international financial institutions; and $101 million for reduced requirements under the School Net Community Access Program.