Thank you very much, Mr. Chairman.
Thanks to our guests. Ms. Borenstein's testimony today was very moving. Everyone spoke clearly.
I have three questions for you, Mr. Béland, and also for you, Mr. Ambachtsheer. In your view, who are the most vulnerable people in Canada with respect to pension schemes today and 20 years from now, if current trends continue?
Second, in your opinion, who are the most unjustly treated people, today and 20 years from now, if matters continue in this way?
How many people are affected in the two groups I just named?