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Read the following article.

A group Registered Retirement Savings Plan (group RRSP) is a workplace benefit that helps Canadians put money aside for the years after they stop working. An amount chosen by the employee is taken from each paycheque and paid into a personal account, where it grows without being taxed until retirement. What makes these plans attractive is the employer match: many companies agree to add a set percentage on top of whatever the worker contributes, up to a yearly limit.

In effect, the employer boosts what staff manage to save. Many people believe that saving for one's old age should be left entirely to the individual, yet supporters argue that the match rewards everyone who takes part, not just those who are already well off. A common criticism of these plans is that the workers who need help the most are often the ones who gain the least.

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1The opening of the article mainly serves to
Aforecast a coming drop in benefits.
Bdescribe how the plan operates.
Crecommend a particular reform.
Dtell the writer's personal story.
2One criticism is that these plans help least the workers with
Apermanent, full-time positions.
Bthe highest yearly earnings.
Clittle steady income.
Dthe largest employer match.
3How large a match a worker attracts depends chiefly on
Ahow much of their pay they contribute.
Bthe limit the employer chooses.
Cthe savings they already hold.
Dhow long they have been employed.
4Part-time and casual workers are frequently
Aoffered the largest match.
Bcharged a smaller contribution.
Cenrolled automatically by the employer.
Dshut out of the plan entirely.
5A person holding two part-time jobs that together equal full-time hours may still
Areceive a double match.
Bbe turned down all the same.
Cqualify through either employer.
Dbe counted as fully self-employed.
6Adding a set percentage on top of contributions is known as the employer
Amatch.
Blimit.
Cwage.
Dtax.
7Leaving low-wage staff with a smaller match puts them at a
Aprofit.
Bbonus.
Cdisadvantage.
Dreward.
8Some companies restrict the plan so that it covers only
Apart-time and casual workers.
Bthe lowest-paid employees.
Cworkers near retirement.
Dpermanent, full-time staff.
9Besides a workplace plan, the article says workers can rely on
Atheir employer's yearly limit.
Bpublic programs like the CPP.
Ca larger personal match.
Dtax-free investment income.
10Critics forget that saving entirely on their own would cost them their
Aemployer's contribution.
Bpersonal savings.
Cyearly tax refund.
Dfull-time position.
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