Thank you very much.
Welcome to the committee. I appreciate all the information you bring. I have a number of questions. I'll just ask whoever feels most comfortable answering to proceed.
The first has to do with contribution holidays. Does the Treasury Board participate in contribution holidays? if so, what is the rationale? We all know that markets go up and down and that we should contribute more when times are good to ensure there's enough when times are not.
Could you tell me about contribution holidays?