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There is a community outside Toronto where most people can’t drink their tap water. Patience is running out.
(newsinteractives.cbc.ca)
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In what world do you need a second mortgage for a well or cistern? You could do it with an unsecured line of credit unless you're an idiot and destroyed your credit rating.
And again ... It would behoove you to read up on the Indian Act and how it works, what/who it controls and the limitations First Nations people face because of it.