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If your spouse has predeceased you,RRSPs
Civil Society
The realm of organizations, community groups, and networks apart from the government and the business sector, which fosters civic engagement and social cohesion.
Democracy
A governance structure where the entire population or all qualified members of a state participate, usually via elected officials.
Democratic Institutions
Organizations or systems that operate on the principles of democracy, including fair and free elections, representation, and the protection of rights and freedoms.
Three Waves
The term "Three Waves" refers to the three major waves of democratization that have occurred since the late 19th century, each representing periods of significant increase in democratic governments worldwide.
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