Marcy Moore recently moved to your city from another large Canadian centre. She was employed as an engineer by a large oil company and was rather well paid. She now works as a senior engineer for a newly established consulting firm. When she moved in October, Marcy had contributed the yearly maximum CPP premiums of $2,478.90 as well as the limit of $860.22 for EI while employed at the oil company. She feels that is unfair of her new employer to continue to deduct CPP and EI from her salary. She has heard that you are taking an accounting course and has asked you for your opinion. What advice can you give her?