Thank you, Mr. Chair.
Thank you to Ms. Hart and Mr. Sazant for being here today. Obviously, this is an issue that's very concerning. I hope the committee can get to the bottom of what went wrong.
I'll just take it up to 10,000 feet and ask where you think things went wrong. Obviously, you don't have all of the information. You said you don't have the contract and you weren't privy to the process by which it was negotiated, but something has clearly gone sideways here. Either the government failed to negotiate a contract with Canada Life that is in the interest of your members, or Canada Life has failed to uphold the terms of the contract and has left your members high and dry.
Which of those do you think is the case?