When the PR application says “you must meet all criteria at the time you submit your application”, does it mean (i) to establish my HIGH proficiency in all aspects of English, I have to sit for IELTS before I submit my application or I can now just tick on it and take IELTS at the time when Immigration office notifies me to submit all supporting papers; (ii) I need to have proof of fund at the date of submission of my application or only at the time I start for Canada as PR (on success). Also to proof funds, only required money is enough to show or one should show market value of immovabale assets/other assets as well?