Thank you.
I have some questions for our friends Ms. Batstone and Mr. MacLennan.
What you're proposing is an interesting proposal, and as I understand it, it links to two problems. The first is the absence of financial planning, probably for many Canadians in general but specifically for low-income Canadians. Of course, it's hard to make a plan when the future feels very uncertain. The second is saving, which is really hard to do when you're having trouble making ends meet. I hear that you're trying to bring forward solutions to both of those problems.
I wonder if you could speak about the way in which jobs and the economy are changing that would require us to think about this. The most well-used mechanism for forced saving is the Canada pension plan. As we see the rise of the gig economy and the number of people in this country—young people, newcomers, all kinds of people—who are working on contracts, working short-term and moving between jobs, increasingly there are people who will never really have access to a public pension or any pension. In my area of health care, people in that category also don't have access to benefits, so employer-based health insurance, for example, that covers people's medications and other essential services also falls through the cracks.
Could you speak about that trend? Do you think what you are proposing addresses it, and does this speak to a way that government needs to think differently about the kinds of services we support people with in this new economy?