Publications from 1996 to 2003

		Publications from 1996 to 2004 (PDF format) / Publications de 1996 à 2004 (en format PDF) The Acrobat Reader required to view the Acrobat version of the following documents is available for free by downloading from the Adobe Home Page 2004 Ambachtsheer, Keith. “Cleaning Up The Pensions Mess: Why it will take more than money.” C.D. Howe Institute Backgrounder 78 (February 2004); 16 pp.; $5.00; ISBN 0-88806-622-8. Chen, Duanjie and Jack M. Mintz. “The 2004 Business Tax Outlook: Lowering Business Taxes Would Spur Investment .” C.D. Howe Institute e-brief (February 2004). Doucet, Joseph A. “The Kyoto Conundrum: Why Abandoning the Protocol’s Targets in Favor of a More Credible Plan May Be Better for Canada and the World” C.D. Howe Institute Backgrounder 83 (May 2004); 12 pp.; $5.00; ISBN 0-88806-630-9. Goldfarb, Danielle. “THE FTAA BULLETIN: Analysts Comment on Their Country and The Free Trade Area of the Americas.” (January 2004). Goldfarb, Danielle. “Thinking the Unthinkable: Security Threats, Cross-Border Implications, and Canada’s Long-Term Strategies.” C.D. Howe Institute Backgrounder 77 (January 2004); 19 pp.; $5.00; ISBN 0-88806-620-1. Gray David. “Employment Insurance: What Reform Delivered.” C.D. Howe Institute Backgrounder 82 (April 2004); 12 pp.; $5.00 ISBN 0-88806-629-5. Guillemette, Yvan and Jack Mintz. “A Capital Story - Exploding the Myths Around Foreign Investment in Canada. ” C.D. Howe Institute Commentary 201 (August 2004). 36 pp.; $12.00 ISBN 0-88806-637-6. Guillemette, Yvan and Jack Mintz. “If Taxes Fall, Does Health Care Suffer?” C.D. Howe Institute e-brief (June 2004). Guillemette, Yvan and Jack Mintz. “Watch Out for Hidden Taxes.” C.D. Howe Institute e-brief (June 2004). Guillemette, Yvan. “Follow Quebec’s Lead: Removing Disincentives To Work After 60 by Reforming the CPP/QPP.” C.D. Howe Institute Commentary 199 (May 2004). 24 pp.; $12.00 ISBN 0-88806-631-7. Guillemette, Yvan. « La réforme du RRQ : Comment elle réduirait les facteurs de désincitation au travail après 60 ans. » Commentaire de l'Institut C.D. Howe 199 (Mai 2004); 24 pp. $12.00; ISBN 0-88806-632-5. Gunderson, Morley. “Banning Mandatory Retirement: Throwing Out the Baby With the Bathwater.” C.D. Howe Institute Backgrounder 79 (March 2004); 13 pp.; $5.00; ISBN 0-88806-624-4. Hufbauer, Gary C. and Jeffrey J. Schott. “The Prospects for Deeper North American Economic Integration: A U.S. Perspective.” C.D. Howe Commentary 195 (January 2004); 26 pp.; $12.00; ISBN 0-88806-621-X. Jaccard, Mark, Nic Rivers and Matt Horne. “The Morning After Optimal Greenhouse Gas Policies for Canada’s Kyoto Obligations and Beyond.” C.D. Howe Institute Commentary 197 (March 2004). 35 pp.; $12.00 ISBN 0-88806-626-0. Kesselman, Jonathan R. “Mandatory Retirement And Older Workers: Encouraging Longer Working Lives.” C.D. Howe Institute Commentary 200 (June 2004). 25 pp.; $12.00 ISBN 0-88806-633-3. Laidler, David and William B.P. Robson. “Two Percent Target — Canadian Monetary Policy Since 1991”. Policy Study 38 (2004). 212 pp.; $21.95; ISBN0-88806-635-X. Laidler, David. “Sticking to its Knitting: Why the Bank of Canada Should Focus on Inflation Control, not Financial Stability.” C.D. Howe Commentary 196 (February 2004); 19 pp.; $12.00; ISBN 0-88806-623-6. Peach, Ian. “Half Full, at Best: Challenges to the Council of the Federation.” Backgrounder 84 (June 2004); 10 pp.; $5.00; ISBN 0-88806-634-1. Poschmann, Finn. “Ontario’s Health-Tax Experiment May Have Lessons for all Canadian Governments.” C.D. Howe Institute e-brief (May 2004). Poschmann, Finn, and William B.P. Robson. “Getting a Grip: A Shadow Federal Budget for 2004.” C.D. Howe Institute Backgrounder 80 (March 2004); 20 pp.; $5.00; ISBN 0-88806-625-2. Quigley, Neil. “Dynamic Competition in Telecommunications: Implications for Regulatory Policy.” C.D. Howe Institute Commentary 194 (February 2004). 24 pp.; $12.00 ISBN 0-88806-619-8. Richards, John and Aidan Vining. “Aboriginal Off-Reserve Education: Time for Action.” C.D. Howe Institute Commentary 198 (April 2004). 30 pp.; $12.00 ISBN 0-88806-628-7. Robson, William and Finn Poschmann. “Has Ottawa Got a Grip on Spending? The Doubtful Projections in the March 2004 Federal Budget.” C.D. Howe Institute e-brief (March 2004). Worswick, Christopher. “Immigrants’ Declining Earnings: Reasons and Remedies.” C.D. Howe Institute Backgrounder 81 (April 2004); 11 pp.; $5.00 ISBN 0-88806-627-9. 2003 Alexandroff, Alan S. and Don Guy. “What Canadians Have to Say About Relations With the United States.” C.D. Howe Institute Backgrounder 73 (July 2003); 12 pp.; $5.00; ISBN 0-88806-5-604-X. Allaire, Yvan and Mihaela Firsirotu. “Changing the Nature of Governance to Create Value.” C.D. Howe Institute Commentary 189 (November 2003); $12.00, 28 pp.; ISBN 0-88806-613-9. Allaire, Yvan et Mihaela Firsirotu. « Modifier la nature de la gouverne pour créer de la valeur » Commentaire de l'Institut C.D. Howe 189 (Novembre 2003); 28 pp. $12.00; ISBN 0-88806-614-7. Bird, Richard. “Taxing Electronic Commerce: A Revolution in the Making.” C.D. Howe Institute Commentary 187; $12.00, 30 pp.; ISBN 0-88806-607-4. Bond, David. “Bank Mergers: Why We Need Them, How to Get Them.” C.D. Howe Institute Backgrounder 74; 12 pp.; $5.00; ISBN 0-88806-603-1. Boothe, Paul and Mary Carson. “What Happened to Health-Care Reform?” C.D. Howe Commentary 193 (December 2003); 25 pp.; $12.00; ISBN: 0-88806-617-1. Bradley, Paul G. and G. Campbell Watkins. “Canada and the U.S.: A Seamless Energy Border?” C.D. Howe Commentary 178 (April 2003); 35 pp.; $12.00; ISBN: 0-88806-587-6. Brown, Robert D. and Yvan Guillemette. “Tax Treatment of Charitable Donations: How Much is Enough?” C.D. Howe Backgrounder 70 (February 2003); 11 pp.; $5.00; ISBN 0-88806-593-0. Busch, Marc L. and Robert Howse. “A (Genetically Modified) Food Fight Canada ’s WTO Challenge to Europe’s Ban on GM Products.” C.D. Howe Institute Commentary 186 (August 2003); 16 pp.; $12.00; ISBN 0-88806-610-4. Chen, Duanjie and Jack M. Mintz. “Taxing Investments: On the Right Track, But at a Snail’s Pace.” C.D. Howe Backgrounder 72 (June 2003); 9 pp.; $5.00; ISBN 0-88806-601-5. Chen, Duanjie and Jack M. Mintz. “How Canada’s Tax System Discourages Investment.” C.D. Howe Backgrounder 68 (January 2003); 14 pp.; $5.00; ISBN 0-88806-588-4. Drost, Helmar and John Richards. “Income On- and Off-Reserve: How Aboriginals are Faring.” C.D. Howe Commentary 175 (March 2003); 12 pp.; ISBN: 0-88806-583-3. Dymond, Bill and Michael Hart. “Canada and the Global Challenge: Finding a Place to Stand.” C.D. Howe Institute Commentary 180 (March 2003); 25 pp.; $12.00; ISBN 0-88806-594-9. Emery, Herbert J.C. and Ronald D. Kneebone. “Should Alberta and Saskatchewan Unite? Examining Proposals for Closer Co-Operation — From Maintaining the Status Quo to Political Union.” C.D. Howe Institute Commentary 190 (November 2003); 25 pp.; $12.00; ISBN 0-88806-515-5. Forget, Claude E. “Towards A Consensus On Continuing Chaos,” C.D. Howe Institute Commentary 179 (February 2003); 16 pp.; $12.00; ISBN 0-88806-590-6. Goldfarb, Danielle. “Beyond Labels: Comparing Proposals for Closer Canada-U.S. Economic Relations” C.D. Howe Institute Backgrounder 76 (October 2003); 19 pp.; $5.00; ISBN 0-88806-612-0. Goldfarb, Danielle. “The Road to a Canada- U.S. Customs Union: Step-by-Step or in a Single Bound?” C.D. Howe Institute Commentary 184 (June 2003); 31 pp.; $12.00; ISBN 0-88806-600-7. Goldfarb, Danielle and William B.P. Robson. “Risky Business: U.S. Border Security and the Threat to Canadian Exports”. C.D. Howe Institute Commentary 177 (March 2003); 37 pp. $12.00; ISBN 0-88806-585-X Granatstein, J.L. “The Importance of Being Less Earnest: Promoting Canada’s National Interests through Tighter Ties with the U.S.” C.D. Howe Institute Benefactors Lecture 2003 (October 2003); 36 pp.; free of charge; ISBN 0-88806-611-2. Guillemette Yvan. “Slowing Down With Age: The Ominous Implications of Workforce Aging for Canadian Living Standards.” C.D. Howe Institute Commentary 182 (May 2003); 16pp. $12.00; ISBN 0-88806-596-5. Guillemette Yvan. « Ralentir avec l’âge : Les répercussions inquiétantes du vieillissement de la population active sur le niveau de vie des Canadiens. » Commentaire de l'Institut C.D. Howe 182 (Mai 2003); 19 pp. $12.00; ISBN 0-88806-597-3. Hancock, John and William B.P. Robson and a BNAC Statement. “Building New Bridges: The Case for Strengthening Transatlantic Economic Ties.” BN-46 (July 2003); 55 pp. $11.95; ISBN 0-88806-598-1. Laidler, David, and William B.P. Robson. “No Excuse for Inaction: Inflation, Special Factors and Monetary Policy,” C.D. Howe Institute Backgrounder 71 (February 2003); 8 pp.; $5.00; ISBN 0-88806-5-591-4. Lazar, Fred. “Turbulence in the Skies: Options for Making Canadian Airline Travel More Attractive,” C.D. Howe Institute Commentary 181 (April 2003); 26 pp. $12.00; ISBN 0-88806-595-7. Mintz, Jack M. and Michael Smart. “Brooking no Favorites A New Approach to Regional Development in Atlantic Canada,” C.D. Howe Institute Commentary 192 (December 2003); 25 pp. $12.00; ISBN 0-88806-618-X. Mintz, Jack M., Finn Poschmann and William B.P. Robson. “Focus on the Future: A Shadow Federal Budget for 2003.” C.D. Howe Institute Backgrounder 69 (February 2003); 14 pp.; $5.00; ISBN 0-88806-592-2. Poschmann, Finn. “Private Means to Public Ends: The Future of Public-Private Partnerships.” C.D. Howe Institute Commentary 183 (June 2003). 29 pp.; $12.00; ISBN 0-88806-599-X. Raptis, Helen and Thomas Fleming. “Reframing Education: How To Create Effective Schools.” C.D. Howe Institute Commentary 188 (November 2003). 30 pp.; $12.00; ISBN 0-88806-605-8. Richards, John. “A New Agenda for Strengthening Canada’s Aboriginal Population: Individual Treaty Benefits, Reduced Transfers to Bands and Own-Source Taxation.” C.D. Howe Institute Backgrounder 66 (February 2003); 10 pp.; $5.00; ISBN 0-88806-582-5. Robson, William B.P. “Time and Money: The Fiscal Impact of Demographic Change in Canada.” C.D. Howe Commentary 185 (July 2003); 26 pp.; $12.00; ISBN 0-88806-602-3. Robson, William B.P. “Hooked on Spending? The 2003 Budget Will Show Whether Ottawa Can Hold the Line Against Unsustainable Expenditures.” C.D. Howe Backgrounder 67 (January 2003); 12 pp.; $5.00; ISBN 0-88806-586-8. Shillington, Richard. “New Poverty Traps: Means-Testing and Modest-Income Seniors.” C.D. Howe Institute Backgrounder 65 (April 2003); 13 pp; $5.00; ISBN 0-88806-580-9. Strange, William C. “The Unintended Consequences of Housing Policy” C.D. Howe Institute Backgrounder 75 (October 2003); 10 pp; $5.00; ISBN 0-88806-606-6. Trebilcock, Michael J. and Roy Hrab. “What Will Keep the Lights on in Ontario: Responses to a Policy Short-Circuit.” C.D. Howe Commentary 191 (December 2003); 32 pp.; $12.00; ISBN 0-88806-616-3. 2002 Aba, Shay. "Good Policies for Bad Times." C.D. Howe Backgrounder 58 (March 2002). 8 pp.; $5.00; ISBN 08806-555-8. Aba, Shay and Jack M. Mintz.. "Preserving Control: Canada and the International Market for Corporate Acquisitions." C.D. Howe Institute Backgrounder 62 (September 2002); 9 pp.; $5.00; ISBN ISBN 0-88806-565-5. Aba, Shay, Wolfe D. Goodman, and Jack M. Mintz. "Funding Public Provision of Private Health: The Case for a Copayment Contribution through the Tax System." C.D. Howe Institute Commentary 163 (May 2002). 20 pp.; $12.00; ISBN 0-88806-550-7. Blomqvist, Åke. Canadian Health Care in a Global Context: Diagnoses and Presecriptions. C.D. Howe Institute Benefactors Lecture 2002 (October 2002); 61 pp.; free of charge; ISBN 0-88806-575-2. Brown, Robert, ed. Canadian Conundrums: Views from the Clifford Clark Visiting Economists. Observation 43 (2002); 79 pp.; $18.95; ISBN 0-88806-554-X. Dobson, Wendy. "Shaping the Future of the North American Economic Space: A Framework for Action." C.D. Howe Institute Commentary 162 (April 2002). 32 pp.; $12.00; ISBN 0-88806-551-5. Donaldson, Cam, Craig Mitton, and Gillian Currie. “Managing Medicare: The Prerequisite to Spending or Reform.” C.D. Howe Institute Commentary 157 (January 2002). 20 pp.; $10.00; ISBN 0-88806-540-X. Goldfarb, Danielle. "Trade as Aid: Freeing Access to Canada's Markets for the World's Poor." C.D. Howe Institute Backgrounder 60 (May 2002). 10 pp.; $5.00; ISBN 0-88806-560-4. Granatstein, J.L. "A Friendly Agreement in Advance: Canada-US Defense Relations Past, Present, and Future." C.D. Howe Commentary 166. (June 2002). 22 pp.; $12.00; ISBN 0.88806-558-2. Hartt, Stanley H., and Patrick J. Monahan. "The Charter and Health Care: Guaranteeing Timely Access to Health Care for Canadians." C.D. Howe Institute Commentary 164 (May 2002). 28 pp.; $12.00; ISBN 0-8806-577-4. Jaccard, Mark. “California Shorts a Circuit: Should Canadians Trust the Wiring Diagram?” C.D. Howe Institute Commentary 159 (February 2002). 27 pp.; $10.00; ISBN 0-88806-546-9. Laidler, David, ed. Renovating the Ivory Tower: Canadian Universities and the Knowledge Economy. Policy Study 37 (2001). 288 pp.; $23.95; ISBN 0-88806-537-X. Laidler, David, and Shay Aba. “Productivity and the Dollar: Commodities and the Exchange Rate Connection.” C.D. Howe Institute Commentary 158 (February 2002). 15 pp.; $10.00; ISBN 0-88806-547-7. Macrory, Patrick. "Dispute Resolution in the NAFTA: A Surprising Record of Success," C.D. Howe Institute Commentary 168 (September 2002). 24 pp.; ISBN 0-88806-561-2. McIntosh, Malcolm and Ruth Thomas.“ Corporate Citizenship and the Evolving Relationship between Non-Governmental Organisations and Corporations,” A study prepared for the British-North American Committee 45 (2002); 65 pp.; $14.95; ISBN 0-902594-59-1. McKitrick, Ross and Randall M. Wigle. "The Kyoto Protocol: Canada's Risky Rush to Judgment." C.D. Howe Institute Commentary 169 (October 2002). 36 pp.; $12.00; ISBN 0-88806-574-4. Milligan, Kevin. "Quebec’s Baby Bonus: Can Public Policy Raise Fertility?" C.D. Howe Institute Backgrounder 57 (January 2002). 9 pp.; free of charge. Milligan, Kevin. “L'allocation à la naissance au Québec : les politiques gouvernementales peuvent-elles accoître le taux de natalité?” Article documentaire n^o 57 (janvier 2002). 11 p.; gratuit. Milligan, Kevin. "Tax Preferences for Education Saving: Are RESPs Effective?" C.D. Howe Institute Commentary 174 (December 2002). 18 pp.; $12.00; ISBN 0-88806-581-7. Mintz, Jack M., and Finn Poschmann. "Investor Confidence and the Market for Good Corporate Governance." C.D. Howe Institute Backgrounder 61 (August 2002). 7 pp.; $5.00; ISBN 0-88806-566-3. Mintz, Jack M. and Thomas A. Wilson. "Saving the Future: Restoring Fairness to the Taxation of Savings." C.D. Howe Institute Commentary 176 (December 2002) 16 pp.; $12.00; ISBN 0-88806-584-1. Palmer, John P. "Bread and Circuses: The Local Benefits of Sports and Cultural Businesses." C.D. Howe Institute Commentary 161 (March 2002). 18 pp.; $10.00. ISBN 0-88806-545-0. Ramírez de la O , Rogelio. "Mexico: NAFTA and the Prospects for North American Integration." C.D. Howe Institute Commentary 172 (November 2002). 25 pp.; $12.00. ISBN 0-88806-562-0. Rekai, Peter. "US and Canadian Immigration Policies: Marching Together to Different Tunes," C.D. Howe Institute Commentary 171 (November 2002). 25 pp.; $12.00. ISBN 0-88806-579-5. Reuber, Grant L. and Finn Poschmann. "For the Good of the Patients: Financial Incentives to Improve Stability in the Canadian Health Care System," C.D. Howe Institute Commentary 173 (November 2002). 30 pp.; $12.00; ISBN 0-88806-578-7. Richards, John. "The Paradox of the Social Union Framework Agreement." C.D. Howe Institute Backgrounder 59 (March 2002) 9 pp.; $5.00; ISBN 0-88806-553-1. Robbins, Jenna, and Michael R. Veall. "Future Taxes on Pension Savings as a Government Asset. " C.D. Howe Institute Backgrounder 63 (October 2002) 8 pp.; $5.00; ISBN 0-88806-567-1 Robson, William B.P. "Saving for Health: Pre-Funding Health Care for an Older Canada," C.D. Howe Institute Commentary 170, (October 2002). 20 pp.; $12.00. ISBN 0-88806-577-9. Robson, William B.P., and David Laidler. "No Small Change: The Awkward Economics and Politics of North American Monetary Integration." C.D. Howe Institute Commentary 167 (July 2002). 29 pp.; $12.00; ISBN 0-88806-559-0. Slack, Enid. "Municipal Finance and the Pattern of Urban Growth." C.D. Howe Commentary 160 (February 2002). 25 pp.; $10.00. ISBN 0-88806-544-2. Spencer, Byron G. "The Double Cohort and the Shortage of Faculty: How Big Are the Problems?" C.D. Howe Institute Backgrounder 64 (October 2002); 12 pp.; $5.00; ISBN 0-88806-576-0. Warburton, William P., and Rebecca N. Warburton. "Measuring the Performance of Government Training Programs." C.D. Howe Institute Commentary 165 (June 2002). 27 pp.; $12.00; ISBN 0-88806-556-6. 2001 Aba, Shay. "“Canada's Inflation Targets: Clearer, But Not Yet Clear." C.D. Howe Institute Backgrounder 50 (June 2001). 7 pp.; free of charge. Aba, Shay. “Don’t Mess with Mr. In-Between: Why the Bank of Canada Should Stick to Fixed Announcement Dates.” C.D. Howe Institute Backgrounder 53 (October 2001). 8 pp.; free of charge. Bird, Richard, and Kenneth J. McKenzie. “Taxing Business: A Provincial Affair?” C.D. Howe Institute Commentary 154 (November 2001). 32 pp.; $10.00; ISBN 0-88806-539-6. Bish, Robert L. “Les fusions des administrations locales : des idéaux discrédités du XIX^e siècle sont encore défendus au XXI^e siècle.” Commentaire de l'Institut C.D. Howe 150 (mars 2001). 40 p.; 10 $; ISBN 0-88806-534-5. Bish, Robert L. “Local Government Amalgamations: Discredited Nineteenth-Century Ideals Alive in the Twenty-First.” C.D. Howe Institute Commentary 150 (March 2001). 35 pp.; $10.00; ISBN 0-88806-525-6. Boessenkool, Kenneth J. “Keeping Alberta on the Path of Fiscal Happiness.” C.D. Howe Institute Backgrounder 54 (October 2001). 7 pp.; free of charge. Chant, John F. “Main Street or Bay Street: The Only Choices?” C.D. Howe Institute Commentary 153 (May 2001). 24 pp.; $10.00; ISBN 0-88806-532-9. Donaldson, Cam, Gillian Currie, and Craig Mitton. “Integrating Canada’s Dis-Integrated Health Care System: Lessons from Abroad.” C.D. Howe Institute Commentary 151 (April 2001). 24 pp.; $10.00; ISBN 0-88806-526-4. Finnie, Ross. "Measuring the Load, Easing the Burden: Canada’s Student Loan Programs and the Revitalization of Canadian Postsecondary Education." C.D. Howe Institute Commentary 155 (November 2001). 32 pp.; $10.00; ISBN 0-88806-538-8. Goldfarb, Danielle. "Who Gets CIDA Grants? Recipient Corruption and the Effectiveness of Development Aid." C.D. Howe Institute Backgrounder 55 (November 2001). 12 pp.; free of charge. Herman, Lawrence L. "Softwood Lumber: The Next Phase." C.D. Howe Institute Backgrounder 56 (December 2001). 6 pp.; free of charge. Iacobucci, Edward M., Michael J. Trebilcock and Huma Haider. Economic Shocks: Defining a Role for Government. Policy Study 35 (2001). 281 pp.; $21.95; ISBN 0-88806-535-3. Kesselman, Jonathan, and Finn Poschmann. “A New Option for Retirement Savings: Tax-Prepaid Savings Plans.” C.D. Howe Institute Commentary 149 (February 2001). 39 pp.; $10.00; ISBN 0-88806-524-8. Laidler, David, and Shay Aba. “The Canadian Dollar: Still a Commodity Currency.” C.D. Howe Institute Backgrounder 47 (January 2001). 11 pp.; free of charge. McKenzie, Kenneth J. A Tragedy of the House of Commons: Political Institutions and Fiscal Policy Outcomes from a Canadian Perspective. Benefactors Lecture, 2001 (2001). 54 pp.; free of charge. Mintz, Jack M., Finn Poschmann, and William Robson. “Budgeting for Security and Prosperity: A Shadow Federal Budget for December 2001.” C.D. Howe Institute Backgrounder special issue (December 2001). 13 pp.; free of charge. Mintz, Jack M. Most Favored Nation: Building a Framework for Smart Economic Policy. Policy Study 36 (2001). 183 pp.; $21.95; ISBN 0-88806-536-1. Canadian Economics Association’s 2002 Doug Purvis Memorial Prize Mintz, Jack M.* "Time to Settle the Tax Issue for the Resources Industry." C.D. Howe Institute Backgrounder 52 (June 2001). 3 pp.; free of charge. Mintz, Jack M. “Withholding Taxes on Income Paid to Nonresidents: Removing a Canadian-US Border Irritant.” C.D. Howe Institute Backgrounder 48 (March 2001). 13 pp.; free of charge. Poschmann, Finn, and William B.P. Robson. “Reprogramming the EI Cash Machine: Matching Employment Insurance Premiums and Payouts.” C.D. Howe Institute Backgrounder 51 (June 2001). 5 pp.; free of charge. Prentice, Barry E., and Tamara Thomson. “An Electronic System for Railcar Market Access.” C.D. Howe Commentary 152 (May 2001). 22 pp.; $10.00; ISBN 0-88806-530-2. Richards, John. “Neighbors Matter: Poor Neighborhoods and Urban Aboriginal Policy.” C.D. Howe Commentary 156 (November 2001). 37 pp.; $10.00; ISBN 0-88806-542-6. Robson, William B.P. Aging Populations and the Workforce: Challenges for Employers. A study prepared for the British-North American Committee 44 (2001). 77 pp.; $14.95; ISBN 0-88806-541-8. Robson, William B.P. “Will the Baby Boomers Bust the Health Budget? Demographic Change and Health Care Financing Reform.” C.D. Howe Institute Commentary 148 (February 2001). 29 pp.; $10.00; ISBN 0-88806-523-X. Outstanding Research Contribution Award Vaillancourt, François, et Christine Touchette.* “Le statut du français sur le marché du travail au Québec, de 1970 à 1995 : les revenus de travail.” Article documentaire de l'Institut C.D. Howe n^o 49 (mars 2001). 13 p.; gratuit. Vining, Aidan R, and John Richards. eds. Building the Future: Issues in Public Infrastructure in Canada. Policy Study 34 (May 2001). 223 pp.; $21.95; ISBN 0-88806-531-0. 2000 Chen, Duanjie. “The Marginal Effective Tax Rate: The Only Tax Rate that Matters in Capital Allocation.” Backgrounder (August 22, 2000). 11 pp.; free of charge. Cherniavsky, Ben. “The Economics of Job-Creation Programs: What We Know.” Backgrounder (July 25, 2000). 8 pp.; free of charge. Finnie, Ross. “The Dynamics of Poverty in Canada: What We Know, What We Can Do” C.D. Howe Institute Commentary 145 (September 2000). 53 pp.; $10.00; ISBN 0-88806-475-6. Gray, David M. “The Work Sharing Program in Canada: A Feasible Alternative to Layoffs?” C.D. Howe Institute Commentary 146 (October 2000). 25 pp.; $10.00; ISBN 0-88806-477-2. Helliwell, John F. Globalization: Myths, Facts, and Consequences. Benefactors Lecture, 2000 (2000). 55 pp.; free of charge. Kitchen, Harry. “Municipal Finance in a New Fiscal Environment.” C.D. Howe Institute Commentary 147 (November 2000). 26 pp.; $10.00; ISBN 0-88806-479-0. Laidler, David. “Picking Up the Beat: Why the Bank of Canada Should Move to a Fixed Schedule for Monetary Policy Announcements.” Backgrounder (September 7, 2000); free of charge. Laidler, David, and Shay Aba. “It’s Time to Ignore Core Inflation.” Backgrounder (November, 2000). 8 pp.; free of charge. Laidler, David, and Finn Poschmann. “Leaving Well Enough Alone: Canada's Monetary Order in a Changing International Environment.” C.D. Howe Institute Commentary 142 (May 2000). 26 pp.; $10.00; ISBN 0-88806-473-X. Mintz, Jack M. “The February 2000 Federal Budget's Business Tax Measures: Is Canada Missing the Boat?” Backgrounder (March 23, 2000). 7 pp.; free of charge. Mintz, Jack M., and Thomas A. Wilson. “Capitalizing on Cuts to Capital Gains Taxes.” C.D. Howe Institute Commentary 137 (February 2000). 27 pp.; $10.00; ISBN 0-88806-470-5. Monahan, Patrick J. “Doing the Rules: An Assessment of the Federal Clarity Act in Light of the Quebec Secession Reference.” C.D. Howe Institute Commentary 135 (February 2000). 39 pp.; $10.00; ISBN 0-88806-467-5. Nakamura, Alice. “Make EI Fairer: Don’t Open the Coffers to Well-Off Repeaters.” Backgrounder (October 17, 2000). 8pp.; free of charge. Norman, Kari. “Perceptions of Poverty: Correcting Misconceptions about the Low-Income Cutoff.” Backgrounder (April 4, 2000). 6 pp.; free of charge. Paton, Rob. Effective Governance of Nonprofit Organizations. A paper prepared for the British-North American Committee (July 2000). 27 pp.; free of charge. Popov, Vladimir. “The Currency Crisis in Russia in a Wider Context.” C.D. Howe Institute Commentary 138 (March 2000). 26 pp.; $10.00; ISBN 0-88806-465-9. Porteous, Samuel D. “Financial Sanctions: A Better Way to Target Rogue Regimes.” Backgrounder (December 7, 2000) 10 pp.; free of charge. Poschmann, Finn, and John Richards. “How to Lower Taxes and Improve Social Policy: A Case of Eating Your Cake and Having It Too.” C.D. Howe Institute Commentary 136 (February 2000). 18 pp.; $10.00; ISBN 0-88806-468-3. Richards, John. “Now That the Coat Fits the Cloth: Spending Wisely in a Trimmed-Down Age.” C.D. Howe Institute Commentary 143 (June 2000). 50 pp.; $10.00; ISBN 0-88806-474-8. Robson, William B.P. “A Little Rhythm Could Help the Bank of Canada Stay Cool: The Case for Regularly Scheduled Bank Rate Decisions.” Backgrounder (March 7, 2000). 4 pp.; free of charge. Robson, William B.P. “Nice Tax Cuts — Shame about the Spending.” Backgrounder (February 29, 2000). 5 pp.; free of charge. Robson, William B.P., and Shay Aba. “Stop the Press! Rapid Money Growth May Bring Higher Inflation.” C.D. Howe Institute Commentary 144 (September 2000). 20 pp.; $10.00; ISBN 0-88806-476-4. Robson, William B.P., Jack M. Mintz, and Finn Poschmann. “Budgeting for Growth: Promoting Prosperity with Smart Fiscal Policy.” C.D. Howe Institute Commentary 134 (February 2000). 35 pp.; $10.00; ISBN 0-88806-469-1. Ryan, Claude. “Consequences of the Quebec Secession Reference: The Clarity Bill and Beyond.” C.D. Howe Institute Commentary 139 (April 2000). 32 pp.; $10.00; ISBN 0-88806-472-1. Schwanen, Daniel. “A Cooler Approach: Tackling Canada's Commitments on Greenhouse Gas Emissions.” C.D. Howe Institute Commentary 141 (April 2000). 41 pp.; $10.00; ISBN 0-88806-471-3. Schwanen, Daniel. “Putting the Brain Drain in Context: Canada and the Global Competition for Scientists and Engineers.” C.D. Howe Institute Commentary 140 (April 2000). 20 pp.; $10.00; ISBN 0-88806-466-7. 1999 Allen, Douglas W., and John Richards, eds. It Takes Two: The Family in Law and Finance. Policy Study 33 (1999). 220 pp.; $19.95; ISBN 0-88806-445-4. Boothe, Paul, and Derek Hermanutz. “Simply Sharing: An Interprovincial Equalization Scheme for Canada.” C.D. Howe Institute Commentary 128 (July 1999). 24 pp.; $9.00; ISBN 0-88806-458-6. Cameron, David R., ed. The Referendum Papers: Essays on Secession and National Unity. [Published in association with the C.D. Howe Institute by the University of Toronto Press, 1999.] 430 pp.; $65.50 (cloth); $29.95 (paper). For orders, please contact University of Toronto Press. Coulombe, Serge. “Economic Growth and Provincial Disparity: A New View of an Old Canadian Problem.” C.D. Howe Institute Commentary 122 (March 1999). 36 pp.; $9.00; ISBN 0-88806-451-9. Courchene, Thomas J., and Richard G. Harris. “From Fixing to Monetary Union: Options for North American Currency Integration.” C.D. Howe Institute Commentary 127 (June 1999). 28 pp.; $9.00; ISBN 0-88806-459-4. Dobson, Wendy. “Prisoners of the Past in a Fast-Forward World: Canada's Policy Framework for the Financial Services Sector.” C.D. Howe Institute Commentary 132 (December 1999). 36 pp.; $9.00; ISBN 0-88806-463-2. Duclos, Jean-Yves, and Julie Gingras. “Mixing It Up: Directions for Federal Tax Reform.” C.D. Howe Institute Commentary 126 (June 1999). 32 pp.; $9.00; ISBN 0-88806-455-1. Fortin, Pierre. The Canadian Standard of Living: Is There a Way Up? Benefactors Lecture, 1999 (1999). 102 pp.; free of charge. Fried, Joel, and Ron Wirick. “Assessing the Foreign Property Rule: Regulation without Reason.” C.D. Howe Institute Commentary 133 (December 1999). 32 pp.; $9.00; ISBN 0-88806-464-0. Laidler, David. “What Do the Fixers Want to Fix? The Debate about Canada's Exchange Rate Regime.” C.D. Howe Institute Commentary 131 (December 1999). 20 pp.; $9.00; ISBN 0-88806-461-6. Maidment, Richard. Keeping the Peace: The Outlook for Transatlantic Relationships. British-North American Committee 42 (1999). 48 pp.; $12.95; ISBN 0-902594-56-7. Mintz, Jack M. “Why Canada Must Undertake Business Tax Reform Soon.” Backgrounder (November 4, 1999). 11 pp.; free of charge. Mintz, Jack M., and Finn Poschmann. “Tax Reform, Tax Reduction: The Missing Framework.” C.D. Howe Institute Commentary 121 (February 1999). 40 pp.; $9.00; ISBN 0-88806-450-0. Orr, Dale, and Thomas A. Wilson, eds. The Electronic Village: Policy Issues of the Information Economy. Policy Study 32 (1999). 296 pp.; $21.95; ISBN 0-88806-444-6. Poschmann, Finn. “Growing Child Benefits, Growing Tax Rates.” Backgrounder (February 17, 1999). 3 pp.; free of charge. Poschmann, Finn. “A 'Made for Ontario' Tax System: Promise or Threat?” Backgrounder (June 29, 1999). 4 pp.; free of charge. Poschmann, Finn. “Revenue Canada Redux.” Backgrounder (October 28, 1999). 6 pp.; free of charge. Robson, William B.P. “Hiding the Good News: Ottawa's Book-Cooking Is a Troubling Sign for the Future.” Backgrounder (February 17, 1999). 3 pp.; free of charge. Robson, William B.P. “The $22.5 Billion Question: Will Exposure Make Future Federal Surpluses Evaporate?” Backgrounder (October 27, 1999). 3 pp.; free of charge. Robson, William B.P., and William M. Scarth. “Accident-Proof Budgeting: Debt-Reduction Payoffs, Fiscal Credibility, and Economic Stabilization.” C.D. Howe Institute Commentary 129 (September 1999). 32 pp.; $9.00; ISBN 0-88806-443-8. Robson, William B.P., and Daniel Schwanen. “The Social Union Agreement: Too Flawed to Last.” Backgrounder (February 8, 1999). 5 pp.; free of charge. Sayeed, Adil. “Improving the National Child Benefit: Matching Deeds with Intentions.” C.D. Howe Institute Commentary 125 (May 1999). 28 pp.; $9.00. ISBN 0-88806-456-X. Scherer, F.M. New Perspectives on Economic Growth and Technological Innovation. [Published under the auspices of the British-North American Committee by Brookings Institution Press, Washington, DC., 1999] 167 pp.; ISBN 0-8157-7795-7. Canadian orders: please contact Renouf Publishing, Ottawa; all other orders: please contact the Brookings Institution directly. Schwanen, Daniel. “More Than the Sum of Our Parts: Improving the Mechanisms of Canada's Social Union.” C.D. Howe Institute Commentary 120 (January 1999). 36 pp.; $9.00; ISBN 0-88806-453-5. Shillington, Richard. “The Dark Side of Targeting: Retirement Saving for Low-Income Canadians.” C.D. Howe Institute Commentary 130 (September 1999). 16 pp.; $9.00; ISBN 0-88806-460-8. Slater, David W., and William B.P. Robson. “Building a Stronger Pillar: The Changing Shape of the Canada Pension Plan.” C.D. Howe Institute Commentary 123 (March 1999). 16 pp.; $9.00; ISBN 0-88806-454-3. Smith, R. Todd. “Money in the Bank: Comparing Bank Profits in Canada and Abroad.” C.D. Howe Institute Commentary 124 (May 1999). 24 pp.; $9.00; ISBN 0-88806-457-8. 1998 Boessenkool, Kenneth J. “Clearly Canadian: Improving Equity and Accountability with an Overarching Equalization Program.” C.D. Howe Institute Commentary 114 (October 1998). 24 pp.; $9.00; ISBN 0-88806-424-1. Boessenkool, Kenneth J. “The 1998 Budget: Falling Behind on Debt Reduction.” Backgrounder (C.D. Howe Institute) (February 25, 1998). 3 pp.; free of charge. Boessenkool, Kenneth J., and James B. Davies. “Giving Mom and Dad a Break: Returning Fairness to Families in Canada's Tax and Transfer System.” C.D. Howe Institute Commentary 117 (November 1998). 32 pp.; $9.00; ISBN 0-88806-446-2. Boessenkool, Kenneth J., Finn Poschmann, and William B.P. Robson. “Solving the EI Conundrum.” Backgrounder (October 13, 1998). 6 pp.; free of charge. Boessenkool, Kenneth J., and William B.P. Robson. “Buried by a Falling Dollar: The Bank of Canada's Misguided Interest Rate Hike Promises Recession.” Backgrounder (August 27, 1998). 3 pp.; free of charge. Boothe, Paul. Finding a Balance: Renewing Canadian Fiscal Federalism. Benefactors Lecture, 1998 (1998). 64 pp.; free of charge; ISBN 0-88806-447-0. British-North American Committee. “Governments and the Year 2000 Computer Crisis: A BNAC Statement.” (January 14, 1998). 2 pp.; free of charge. Courchene, Thomas J. “Renegotiating Equalization: National Polity, Federal State, International Economy.” C.D. Howe Institute Commentary 113 (September 1998). 48 pp.; $9.00; ISBN 0-88806-435-7. Davies, James B. “Marginal Tax Rates in Canada: High and Getting Higher.” C.D. Howe Institute Commentary 103 (March 1998). 24 pp.; $9.00; ISBN 0-88806-431-4. DeVoretz, Don J., and Samuel A. Laryea. “Canadian Human Capital Transfers: The United States and Beyond.” C.D. Howe Institute Commentary 115 (October 1998). 40 pp.; $9.00; ISBN 0-88806-440-3. Dungan, Peter. “The CPP Payroll Tax Hike: Macroeconomic Transition Costs and Alternatives.” C.D. Howe Institute Commentary 116 (November 1998). 28 pp.; $9.00; ISBN 0-88806-442-X. Gunderson, Morley. “Flexible Retirement as an Alternative to 65 and Out.” C.D. Howe Institute Commentary 106 (May 1998). 16 pp.; $9.00; ISBN 0-88806-434-9. Howse, Robert. “Settling Trade Remedy Disputes: When the WTO Forum Is Better than the NAFTA.” C.D. Howe Institute Commentary 111 (June 1998). 24 pp.; $9.00; ISBN 0-88806-425-X. Laidler, David E.W., and Finn Poschmann. “Birth of a New Currency: The Policy Outlook after Monetary Union in Europe.” C.D. Howe Institute Commentary 110 (June 1998). 28 pp.; $9.00; ISBN 0-88806-439-X. Laidler, David E.W., and William B.P. Robson. “Walking the Tightrope: Canada's Financial System between a 'Yes' Vote and Quebec Secession.” C.D. Howe Institute Commentary 102 (March 1998). 20 pp.; $9.00; ISBN 0-88806-433-0. Mathewson, G.F., and Neil C. Quigley. “Canadian Bank Mergers: Efficiency and Consumer Gain versus Market Power.” C.D. Howe Institute Commentary 108 (June 1998). 32 pp.; $9.00; ISBN 0-88806-438-1. Neave, Edwin H., and Frank Milne. “Revising Canada's Financial Regulation: Analyses and Recommendations.” C.D. Howe Institute Commentary 101 (February 1998). 36 pp.; $6.00; ISBN 0-88806-426-8. Oreopoulos, Philip, and François Vaillancourt. “Taxes, Transfers, and Generations in Canada: Who Gains and Who Loses from the Demographic Transition.” C.D. Howe Institute Commentary 107 (June 1998). 24 pp.; $9.00; ISBN 0-88806-436-5. Poschmann, Finn. “How Do I Tax Thee? Choices Made on Federal Income Taxes.” Backgrounder (February 25, 1998). 8 pp.; free of charge. Poschmann, Finn. “Inflated Taxes, Deflated Paycheques.” C.D. Howe Institute Commentary 118 (December 1998). 28 pp.; $9.00; ISBN 0-88806-448-9. Poschmann, Finn. “Where the Money Goes: The Distribution of Taxes and Benefits in Canada.” C.D. Howe Institute Commentary 105 (April 1998). 28 pp.; $9.00; ISBN 0-88806-423-3. Richards, John. Retooling the Welfare State: What's Right, What's Wrong, What's to Be Done. Policy Study 31 (1998). 304 pp.; $18.95; ISBN 0-88806-420-9. Robson, William B.P., ed. “The Changing Rules of the Money Game: Proceedings of a Roundtable on Canada's Financial Industry after the Bank Merger Proposals.” C.D. Howe Institute Commentary 112 (September 1998). 28 pp.; $9.00; ISBN 0-88806-441-1. Robson, William B.P. “Debt, Taxes, and Spending: Three Lessons for the Upcoming Federal Budget.” Backgrounder (February 16, 1998). 4 pp.; free of charge. Robson, William B.P. “Earning Ontario's Fiscal Dividend: Long-Term Programs and Payoffs.” Backgrounder (April 30, 1998). 4 pp.; free of charge. Robson, William B.P. “How Not to Get Hit by a Falling Dollar: Why the Plunging Canadian Dollar Need Not Usher in a Slump.” Backgrounder (January 26, 1998). 3 pp.; free of charge. Robson, William B.P. “Making Ponzi a Prudent Man: Establishing the CPP Investment Board.” Backgrounder (March 30, 1998). 4 pp.; free of charge. Robson, William B.P. “Payback Time: Assessing the Room for Federal Tax Cuts.” C.D. Howe Institute Commentary 119 (December 1998). 20 pp.; $9.00; ISBN 0-88806-449-7. Schwanen, Daniel. “Advertising Canada's Culture: Why the New Policy on Magazines Is Not Up to the Task.” Backgrounder (October 8, 1998). 3 pp.; free of charge. Schwanen, Daniel. “Chilling Out: The MAI Is on Ice but Global Investment Remains Hot.” C.D. Howe Institute Commentary 109 (June 1998). 20 pp.; $9.00; ISBN 0-88806-437-3. Schwanen, Daniel. “The Summer of Our (Canadian) Content: Thinking about Canada's Response to the WTO Magazine Decision.” Backgrounder (June 29, 1998). 6 pp.; free of charge. Simeon, Richard. “Limits to Partnership: Canada-Quebec Relations in a Postsecession Era.” C.D. Howe Institute Commentary 104 (March 1998). 36 pp.; $9.00; ISBN 0-88806-432-2. Slater, David W. “Fixing the Seniors Benefit.” Backgrounder (July 29, 1998). 10 pp.; free of charge. 1997 Boessenkool, Kenneth J. “Back to Work: Learning from the Alberta Welfare Experiment.” C.D. Howe Institute Commentary 90 (April 1997). 32 pp.; $6.00; ISBN 0-88806-409-8. Boessenkool, Kenneth J., David E.W. Laidler, and William B.P. Robson. “More Money Than Is Good for Us: Why the Bank of Canada Should Tighten Monetary Policy.” C.D. Howe Institute Commentary 95 (July 1997). 16 pp.; $6.00; ISBN 0-88806-415-2. Boessenkool, Kenneth J., and William B.P. Robson. “Ending the Training Tangle: The Case against Federal-Provincial Programs under EI.” C.D. Howe Institute Commentary 86 (February 1997). 16 pp.; $6.00; ISBN 0-88806-406-3. Cairns, Alan C. “Looking into the Abyss: The Need for a Plan C.” C.D. Howe Institute Commentary 96 (September 1997). 32 pp.; $6.00; ISBN 0-88806-396-2. Gibbins, Roger, with Katherine Harmsworth. “Time Out: Assessing Incremental Strategies for Enhancing the Canadian Political Union.” C.D. Howe Institute Commentary 88 (February 1997). 28 pp.; $6.00; ISBN 0-88806-404-7. Laidler, David E.W., ed. Where We Go from Here: Inflation Targets in Canada's Monetary Policy Regime. Policy Study 29 (1997). 300 pp.; $19.95; ISBN 0-88806-405-5. Laidler, David E.W., and William B.P. Robson. “The Bank of Canada and the Economy: Has the Referee Put Away the Whistle?” Backgrounder (February 13, 1997). 4 pp.; free of charge. McFetridge, D.G. The Economics of Privatization. Benefactors Lecture, 1997 (1997). 69 pp.; free of charge; ISBN 0-88806-421-7. Pesando, James E. “From Tax Grab to Retirement Saving: Privatizing the CPP Premium Hike.” C.D. Howe Institute Commentary 93 (June 1997). 20 pp.; $6.00; ISBN 0-88806-413-6. Robson, William B.P. The Future of Pension Policy: Individual Responsibility and State Support. British-North American Committee 41 (1997). 20 pp.; $9.00; ISBN 0-89068-141-4. Robson, William B.P. “Ottawa's Incredible Disappearing Act: Canadians Pay Billions More in Tax than the Budget Shows, and the Gap Is Growing.” Backgrounder (March 13, 1997). 3 pp.; free of charge. Robson, William B.P., and William M. Scarth. “Out Front on Federal Debt Reduction: Programs and Payoffs.” C.D. Howe Institute Commentary 100 (November 1997). 24 pp.; $6.00; ISBN 0-88806-422-5. Russell, Peter, and Bruce Ryder. “Ratifying a Postreferendum Agreement on Quebec Sovereignty.” C.D. Howe Institute Commentary 97 (October 1997). 28 pp.; $6.00; ISBN 0-88806-416-0. Scarth, William. “A Job-Creation Strategy for Governments with No Money.” C.D. Howe Institute Commentary 92 (April 1997). 20 pp.; $6.00; ISBN 0-88806-410-1. Schwanen, Daniel. “Confronting the Greenhouse Challenge: Matching Protection with Risk.” C.D. Howe Institute Commentary 99 (October 1997). 36 pp.; $6.00; ISBN 0-88806-419-5. Schwanen, Daniel. “A Matter of Choice: Toward a More Creative Canadian Policy on Culture.” C.D. Howe Institute Commentary 91 (April 1997). 36 pp.; $6.00; ISBN 0-88806-412-8. Schwanen, Daniel. “Trading Up: The Impact of Increased Continental Integration on Trade, Investment, and Jobs in Canada.” C.D. Howe Institute Commentary 89 (March 1997). 32 pp.; $6.00; ISBN 0-88806-349-0. Slater, David W. “The Pension Squeeze: The Impact of the March 1996 Federal Budget.” C.D. Howe Institute Commentary 87 (February 1997). 32 pp.; $6.00; ISBN 0-88806-407-1. Slater, David W. “Prudence and Performance: Managing the Proposed CPP Investment Board.” C.D. Howe Institute Commentary 98 (October 1997). 32 pp.; $6.00; ISBN 0-88806-418-7. Stein, Janice Gross, David R. Cameron, and Richard Simeon, with Alan Alexandroff. “Citizen Engagement in Conflict Resolution: Lessons for Canada in International Experience.” C.D. Howe Institute Commentary 94 (June 1997). 36 pp.; $6.00; ISBN 0-88806-411-X. Stein, Janice Gross, David R. Cameron, et Richard Simeon, avec la collaboration d'Alan Alexandroff. “La participation des citoyens au règlement de conflits : les leçons de l'expérience internationale pour le Canada.” Commentaire de l'Institut C.D. Howe 94 (juin 1997). 44 p.; 6,00 $; ISBN 0-88806-411-X. 1996 Burbidge, John B., et al. When We're 65: Reforming Canada's Retirement Income System. The Social Policy Challenge 13 (1996). 228 pp.; $16.95; ISBN 0-88806-359-8. Finnie, Ross, and Saul Schwartz. Student Loans in Canada: Past, Present, and Future. Observation 42 (1996). 162 pp.; $14.95; ISBN 0-88806-402-0. Horstmann, Ignatius J., G. Frank Mathewson, and Neil C. Quigley. Ensuring Competition: Bank Distribution of Insurance Products. Observation 40 (1996). 110 pp.; $12.95; ISBN 0-88806-392-X. Howse, Robert. “Securing the Canadian Economic Union: Legal and Constitutional Options for the Federal Government.” C.D. Howe Institute Commentary 81 (June 1996). 20 pp.; $6.00; ISBN 0-88806-399-7. Iacobucci, Edward, with Michael J. Trebilcock. Value for Money: Executive Compensation in the 1990s. Observation 41 (1996). 178 pp.; $14.95; ISBN 0-88806-393-8. Lipsey, Richard G. Economic Growth, Technological Change, and Canadian Economic Policy. Benefactors Lecture, 1996 (1996). 87 pp.; free of charge; ISBN 0-88806-430-6. Mintz, Jack M., and James E. Pesando, eds. Putting Consumers First: Reforming the Canadian Financial Services Industry. Policy Study 27 (1996). 104 pp.; $12.95; ISBN 0-88806-388-1. Monahan, Patrick J., and Michael J. Bryant, with Nancy C. Coté. “Coming to Terms with Plan B: Ten Principles Governing Secession.” C.D. Howe Institute Commentary 83 (June 1996). 56 pp.; $9.00; ISBN 0-88806-400-4. Nakamura, Alice. “Employment Insurance: A Framwork for Real Reform.” C.D. Howe Institute Commentary 85 (October 1996). 12 pp.; $6.00; ISBN 0-88806-401-2. Neave, Edwin H. “Canadian Financial Regulation: A System in Transition.” C.D. Howe Institute Commentary 78 (March 1996). 28 pp.; $6.00; ISBN 0-88806-390-3. Richards, John. “Language Matters: Ensuring That the Sugar Not Dissolve in the Coffee.” C.D. Howe Institute Commentary 84 (October 1996). 44 pp.; $6.00; ISBN 0-88806-403-9. Sauvé, Pierre, and Daniel Schwanen, eds. Investment Rules for the Global Economy: Enhancing Access to Markets. Policy Study 28 (1996). 332 pp.; $19.95; ISBN 0-88806-386-5. Schwanen, Daniel. “Drawing on Our Inner Strength: Canada's Economic Citizenship in an Era of Evolving Federalism.” C.D. Howe Institute Commentary 82 (June 1996). 20 pp.; $6.00; ISBN 0-88806-397-0.