Universities with more liberal application processes could have admission cut offs as low as 65 percent. Students must take university/advanced level courses in grades 11 and 12 in order to apply for university. College College requirements vary more significantly, though none have entrance requirements above 85 percent from a Canadian high school. In general though, many colleges (such as George Brown College, and Mohawk College) accept a very high proportion of students with averages above 70 percent, although they may place no limiting minimum for acceptance, and consequently take students with averages below 60 percent. Unlike universities, colleges do not have admission cut offs and as long as students have a passing average and the necessary courses, they can gain admission to most colleges. Incidentally, even the newest Canadian universities have larger endowments than any Canadian college, with no Canadian college having an endowment above $10 million. See List of Canadian universities by endowment. In addition, many education systems in Canada have established different courses with varying intensity in order to curtail to a pupil's desired future. Ontario has gone the furthest with this idea, establishing two different streams in their secondary education system. The university stream includes courses that will prepare students for future studies at university, while the college stream is more applied and less intense, preparing individuals for the future pursuit of a college degree. Universities require these advanced courses for admission, while colleges will admit pupils from either stream. Special cases Students with an IB Diploma can generally enter either college or university more easily than other Canadian high schoolers, due to the material covered in the program. Like students with AP credits, they may also clip courses in university with faculty consent. In the case of more select university programs, and for almost all international students, an essay, statement of intent or personal statement of experience must be submitted directly to the faculty being applied for. Additionally, letters of reference, examples of extracurricular involvement, additional community service endeavours, athletic participation, awards and scholarships won and more may all be required for acceptance to some of Canada's top programs. Comparability of admissions There is an array of highly competitive programs within Canadian institutions, on par with some mid- to top-tier programs in the United States. Institutions like the University of Toronto, the University of British Columbia, and McGill University find themselves ranked among the world's top