Molly and Robert Campbell Robert who is 71 years old and Molly who is 65, have been married for 30 years. Robert worked 35 years and Molly worked 32. They have 3 grown children to whom they would like to leave an inheritance if they should predecease them. Molly worked part-time as an accountant and Robert as a quality control expert at an automotive manufacturing plant. Both have a low investment risk tolerance. Both are now retired. They have enough money to live on from government benefits and his Defined Benefit Pension Plan. They received an unexpected inheritance of $200,000 this year. Their particular financial situations are listed below:

Robert:

• Birthdate; March 14^th
• Has an RPP that pays 1.8% of his best 3 out of his last five year's salary
• RRSP current value is $244,700 was $240,000 as of January 1^st this year
• Receives the full amount of OAS
• Receives $940 a month in CPP benefits
• Is in the 35% MTR

Molly:

• Birthdate August 7^th
• RRSP current value is $91,600 was 89,000 as of January 1^st this year
• Receives only 90% of the full OAS amount
• Receives $360 a month in CPP benefits
• Is in the 25% MTR

Questions: 1) At a minimum, how many years has Molly lived in Canada?