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Wow. Well, it's only taken me 20 years of being a Canadian resident to find that out, thanks! Not embarrassed about my ignorance at all, nope. :oops:

Oh phew! Thanks so much danchavacr, I am now breathing again.

That's a highly useful guide rajkamalmohanram, many thanks for posting it. I wish I had found it back in 2021 or I wouldn't be in the mess I am now.... To explain, I've been in Canada as a PR since 2003 but finally got around to submitting my citizenship application in February 2021. I'm now 60...