We have quorum. I will bring the meeting to order and welcome our guests.
We're not too far off schedule—a little bit, but not much—so things should work out.
Thank you to our guests for coming to help us with this study. Each organization will have 10 minutes to open. When you hit 10 minutes, I'll pick up the hammer, just to let you know. We will have two rounds of questions. The first round is seven minutes for each questioner, and then five minutes after that.
We'll get this under way. We still have some other committee members to arrive, but we won't hold up the meeting.
I think we should start with the presentation from the Canadian Association of Retired Persons.