If I can ask our guests and colleagues to take their seats, please.
We are resuming meeting No. 50 of the Standing Committee on Finance, continuing our discussions on the pre-budget consultations, 2014.
I want to thank all of our guests on our second panel for being here.
We have Ms. Brigitte Alepin with us again. Welcome.
We have Jennifer Robson, assistant professor from Carleton University. Welcome.
We have two professors from Carleton. We have Professor Frances Woolley. Welcome to the committee as well.
For the Conference for Advanced Life Underwriting we have Mr. Clay Gillespie. Welcome.
And from the Institute of Marriage and Family Canada we have the executive director, Ms. Andrea Mrozek.
Thank you all for being with us today.
You will each have up to five minutes for an opening statement.
Ms. Alepin, you can begin your presentation. You have five minutes.