It's nice to see someone from the other side of the boarder take interest in Canadians. We're not all bad and have many similarities and the same issues it appears.
Where were you able to locate the information? If you don't mind me asking. I searched the net high and low for Canada info. and it varies from province to province as does from state to state in the US. Funny thing is, I wasn't able to secure any solid info for Ontario or websites. Which is how I ended up at this forum. Every time I typed in credit info for Ontario Canada, it kept bringing me back to your page. :o Not such a bad thing though...it's a real learning experience.
Have a great day! and can't wait to read what you've found!