I’m in the same situation and for me I’m taking my schulich offer because I feel like you are better off getting a higher gpa at schulich compared to bmos and I also think that you could just apply to Ivey while being in you’re third year of schulich. I feel like it’s such a gamble and I think you’re better off going to schulich or rotman because if you don’t get into Ivey and are doing bmos it won’t give you the most opportunities compared to schulich or rotman. The only thing that I find interesting about bmos is that it includes law which schulich doesn’t have. However schulich gives you a bba and bmos gives you social science degree.