Thank you, Mr. Chair.
My first questions are for Ms. Mackenzie.
I just want to thank you so much for your service and also for your expertise that you've shared over the years. I feel quite fortunate to have this opportunity to ask you some questions today.
As a woman in Parliament, I often try to put a gender lens on things. My question is really about women being more at risk of poverty in retirement due to a number of factors. I'm wondering what you've heard in research and in the work that you do from senior women on their ability to cover costs in the two different age groups—the 65 to 74 and the 75-plus.