Thank you, Mr. Chair. I'm hoping to get in a whole bunch of questions, so if I could get brief responses, that would be great. I know it's a complicated subject for brief responses.
My first question is to Mr. Lizée. You indicated concerns about the employer getting to choose. The employee can obviously opt out. To me, that sort of takes care of that particular issue. Obviously, if the employer is going to be contributing also, then the employee would be less likely to opt out. Does that not soothe that concern at all, that the employee has a choice to opt out, and of course may stick with the other arrangements they have?