Thank you, Mr. Chair.
I would like to welcome all the witnesses and to thank them for joining us.
My questions are for you, Ms. Ray.
You mentioned the importance of family caregivers. People can lose some independence as they get older. In that respect, family caregivers play an essential role. They even reduce the state's social costs by taking on the care they willingly provide.
Could you tell us again about the caregivers' role and what the government can do to support them? As has been mentioned, there is a tax credit, but, in many cases, those providing the care do not pay taxes, because of their low income. If I understand correctly, you are asking for the tax credit to be refundable. Could you tell us more about that?