Thank you, Mr. Chair.
Thank you to all of the witnesses for being here.
My first questions are for Mr. Catenaccio.
You talked about what was Canada's promise to its citizens: If you work hard, you should be able to get ahead. Do everything right—maybe do a little investing and put some money into RRSPs—so that once you're a senior you should be able to live with dignity in your golden years.
Do you think that Canada's promise has been broken?