Thank you, Mr. Chairman, and I want to thank each of you witnesses for coming in and taking your time to think about these difficult issues. I'm sure you're thinking about them all the time, especially Ms. Cousyn, as you explained, but for all of you, these issues are top of mind, and your knowledge is appreciated.
Let me ask Ms. Gunia a question. What we've been hearing across the country, and you understand this, is the idea of removing the requirement for mandatory retirement. The second suggestion has been that we provide systems whereby seniors can keep some portion of their pension. For instance, if they have old age security or what have you, they'd be able to keep either part or all of that and still work, so there's an incentive and they'll do a little better. You're saying we need to provide seniors with a good enough income to start with, so they don't need to work.
Are you concerned that if we lift or remove the age of mandatory retirement, it gradually creates the expectation that you ought to be working if you're able-bodied and over 65?