Good afternoon. Thank you for being with us. This is the first time I've sat on this committee.
Before going back to what my colleague said earlier, I'd like to ask a question on credit sharing. On that subject, you spoke earlier about married people and common law spouses. I hope that homosexual couples aren't excluded. That involves a check. In Canada, we never know.
Furthermore, Ms. Scotti, we see in clause 15 of the bill that a senior may withdraw a pension application. I don't understand why a senior would do that. How would that benefit that person?