I call to order the eleventh meeting of the Standing Committee on Finance.
I want to welcome all of our witnesses here this afternoon.
Pursuant to Standing Order 108(2), we are continuing our in-depth study of the retirement income security of Canadians, focusing on pensions and other issues.
We have with us here today two people appearing from one organization, and three persons presenting as individuals. We have, from the Canadian Office and Professional Employees Union, Mr. Serge Cadieux, national president; and Pierre Gingras, legal counsel to the national executive. As individuals, we have Mr. Lee Lockwood; Ms. Norma Nielson, professor and chair of insurance and risk management at the Haskayne School of Business, University of Calgary; and as the last individual, Mr. Tony Wacheski.
Thank you all for being with us here this afternoon. We will start in that order with presentations of up to seven minutes, and then we'll have questions from all members of the committee.
Monsieur Cadieux, will you be starting?