Five months in. The permit paperwork, the school registration, the bank and the credential file all started the same week, and none of them know about each other. She keeps the list on her phone and can no longer tell which item is the urgent one.

First Canadian tax year. He moved his savings across in March and cannot get a straight answer about whether that counts as income. Nobody has mentioned the form for the apartment he still owns in Bogotá, or what happens if he sells it.

Her rent is higher than the mortgage payment a broker quoted her. The new two-percent program looks like the answer, but nobody can tell her whether someone on her permit qualifies, or where it is actually offered.