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Entering into salary negotiation soon, comments on this would be helpful: 1. What are the average 1st year call salaries for big, medium, small size firms in Vancouver? 2. What are the average 2nd year call salaries for big, medium, small size firms in Vancouver? 3. There is a rumour that big firms are paying articling salaries to 1st year calls because Covid created more job demand so they can get away with it. True/False? 3. What is the average increase of salary between first and second year call? (percentage wise) 4. Any advice for salary negotiation for a young call.

I have heard of others do this to take advantage of the lower interest rate. Line of credit with Scotiabank. I would like to make a one time payment, any advice on how to do this efficiently?