Thanknyou for the note, I will be pepared with that then. This is extremely helpful.The doctor at the hospital in Calgary wants cash when I was pain a in labor. ( won't take my debit/ credit cards) It's ridiculous. It's like a grocery market. My husband has to drive to the bank to get cash for him when i was in labor pain. And he almost missed the birth. Just so you know they will treat you differently.