Question 1 (2 point): Given the high personal debt Canadians have, explain (in no more than 10 points), whether the Canadian Government should create, in its 2021 Budget, additional tax incentives to promote saving ? Question 2. (1 point): Identify 3 problems in your home or professional life that could be solved using the concept of present value. Question 3. (2 points): How would you use present value to decide how much to save for your retirement? What discount rate would you use in your calculations? Why? (point format)