Thank you, Chair.
I'll have a few questions for Mr. Bajwa later on.
Let me start, though, by following up on the questions on retroactivity. It's my understanding that if I were to introduce amendments to this bill that would significantly expand the retroactivity periods, those amendments would all be ruled out of order. That's a bit troubling. This is an opportunity for us to actually have a serious look at what happens to OAS, GIS, and CPP. I'm particularly concerned about CPP because, as you know, it's employers and employees who pay into that program and in essence it's their money. In my view, they have a right to their money, no matter what the retroactivity period is. Nonetheless, I'm told that those amendments can't be moved in this committee.
Let me try to flip the question around and see if you, as experts, have some advice for us, because the reality is that if take-up were 100%, nobody would have to worry about retroactivity. So if I can't deal with the question of retroactivity in this legislation, is there a way we can move this legislation forward by enhancing opportunities to create 100% take-up through either legislation or regulation?
I wonder if you have some advice on that, to start with.