Thank you very much, Mr. Chair.
Thank you both for being here and for your testimony.
I want to pick up on something Ms. Anson-Cartwright mentioned in her comments, and it follows on an issue that my colleague Mr. Butt brought forward in the last round of witnesses. That's the disincentive for older workers who are receiving OAS and the 50% clawback.
I know that a number of years ago—I don't know if you were engaged at that time with the chamber—they did a lot of work on the underground economy and the impact of the underground economy. Would this have the potential of driving some work opportunities underground, if they say, “I'll come and work, but I don't want to lose any money from my OAS”? Do you see that potential?