Good afternoon, ladies and gentlemen.
I call to order the eighth meeting of the Standing Committee on Finance. We are continuing our study of the retirement income security of Canadians.
I want to welcome all of our witnesses to the discussion here this afternoon. We have one individual and four organizations presenting.
We have Dr. Ian Lee from the Sprott School of Business, Carleton University. We have Tina Di Vito from BMO Financial Group. We have Catherine Swift and Doug Bruce from the Canadian Federation of Independent Business. We have three people from Federally Regulated Employers--Transportation and Communications; they are John Farrell, Ian Markham, and Marlene Puffer. Finally, from the Office of the Superintendent of Financial Institutions Canada, we have Judy Cameron.
Thank you so much for being here with us.
I think we'll proceed in the order of introduction. Try to limit your presentations to about seven minutes, and then we'll go to questions from members.
We'll start with Professor Lee, please.