Thank you very much, Mr. Chair.
Thank you, all of you who came to present today.
I would like to make one quick observation for the Canadian Association of Mutual Insurance Companies. I believe our government has made a commitment that we will not allow banks to sell insurance even on their website. I believe we stand by that commitment.
My next question is for CFIB.
Our government understands that small and medium-sized businesses are the backbone of our economy. In fact, I think we're celebrating Small Business Week this week.
My colleague graciously reminded me that you just put out a report. I'm from Saskatoon, so I believe our cities ranked fairly well in terms of being a place to start a new business.
In the past year we have been studying pension reform, retirement income security, and we've heard other witnesses suggest doubling the CPP. That's something that some members of the opposition actually favour. I want to have you talk a little bit about one of your recommendations to not increase mandatory CPP premiums, but instead offer incentives to boost coverage among SMAs. I'm wondering if you would just tell us what you think some of those incentives would look like.