Thank you for being here.
I was looking at your departmental plans, and there is this question of financial risk that departments have to talk about. Could you first explain, with the various departments you have—your multiple departments—what your definition of “financial risk” is?
For example, with the seniors department, you're talking about the aging population and how we will have to match the payment of OAS. How does a department, which has to manage its budget and provide its departmental plans, determine...? It can't do 100%, but you want to move from the present 13% to 75%. What do you do? How does the department work its financial risks?