Individual Presentation (20%) Create a PowerPoint presentation of max 20 slides 1. Research the Canadian mortgage rates and prepare a comparative statement. 2. Discuss the affordability issues in Toronto 3. The Federal Government now requires a "stress test" for all real property buyers who are purchasing with a mortgage. Discuss whether this is necessary or is an unnecessary restriction on the freedom to contract. Can you think of any unintended consequences that could arise from this requirement