Great. Thank you very much, Madam Chair.
I would like as many of you as possible to answer my question, so I would ask that you leave enough time for everyone to comment. You can take turns, starting with the CLC officials.
The TD Bank Group study we were talking about earlier identifies a challenge for young workers. After a recession, older workers have to re-enter the workforce.
And no doubt that will be the reality for a few more years yet despite the economic recovery, particularly since the age of eligibility for old age security went up. Is that situation expected to create problems in the next 15 to 20 years that may not have been anticipated before these events?
We'll start with you, Ms. Huziak, and then we'll give the rest of the witnesses a chance to answer.