Okay, with that little piece of business, I'd like to welcome our witnesses today.
We have Dr. Marc-André Gagnon, associate professor, school of public policy and administration, from Carleton University. Welcome. We have Professor Steven Morgan back. He is a professor in the school of population and public health at the University of British Columbia.
We also have, from Canadian Doctors for Medicare, Dr. Danyaal Raza, chair. Thanks for coming. From Canadian Life and Health Insurance Association, we have Stephen Frank, president and chief executive officer, and Karen Voin, vice-president, group benefits and anti-fraud.
We are going to ask you to make a 10-minute opening statement. I would ask you to limit it to 10 minutes. Then we'll go to a question period.
We'll start with Dr. Marc-André Gagnon.