Question 3 (1 point) What is the key reason why employers' benefits costs are less in Canada versus the United States? Doctors are cheaper in Canada. Healthcare is subsidized by governments in Canada. Hospitals are better managed in Canada. Canadians have better eating habits. Question 4 (1 point) From a pension perspective, what is a key issue concerning the aging of baby boomers in Canada? There are more demands for dental benefits. Baby boomers are leaving management, thus there is a loss to the HR managers who oversee this benefit. There are fewer contributions to the pension fund by younger generations and more withdrawals for funding pensions for baby boomers. Younger generations are demanding reduced pensions for those leaving the workforce