Thank you, Chair.
Thank you, witnesses, for being here this afternoon. You have big shoes to follow. The minister did such a great job in the previous hour that I feel for you, but I'm sure you'll do very well.
My questions are very easy. I'm going to pick up where Ms. McLeod left off, and that's on the comparison of PRPPs and RRSPs and the security part. Can you just elaborate on how the security differences are there and what that means to the individual?