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Interesting to think about, thanks Frances. I'd be curious whether the self-employed take any time working through drop-out provisions. Allowing child-rearing drop-outs and the general drop-out of 17% of lowest earnings months can substantially alter CPP benefits. Some could decide on how many "zeros" to leave in their earnings history?

Excellent point. I'm thinking this would be quite an interesting question to investigate with the LAD - that's the only way to get at the issue you raise, I think.

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