please answer tgese questions

What amounts are received tax-free by the beneficiaries of a Registered Education Savings Plan (RESP)? Investment income earned on RESP investments The Canada Learning Bond (CLB) The Canada Education Savings Grant (CESG) Refund of contributions Depositing a certified cheque does not require the funds to be frozen until clearance from the issuing institution. A stop payment order is initiated by the owner of the bank account from which the payment will be made. Cash withdrawal on a debit card results in the same interest charge as a cash advance on a credit card. Overdraft protection is a short term loan. What is the major disadvantage of holding emergency funds in the form of bank deposits or short-term investments? Short-term investments are high risk Access to the funds may be limited The risk of default by the financial institution Short-term investments earn a low return