Determine whether each of the following statements is positive or normative.
a. The government should impose stricter regulations on the banking sector to avoid future financial crises.
b. Financial aid to developing countries has no impact on per capita GDP in those countries.
c. Tuition fee increases at Canadian universities lead to reduced access for low-income students.
d. It is unfair that Canadians have universal access to health care but not to dental care.
e. Canadians currently have too much personal debt.