Thank you, Mr. Chair.
Thank you to all the witnesses and to Mr. Calderhead for coming in today.
I'm going to reiterate what I've heard today. Both of the witnesses mentioned the adequacy of this benefit to ensure that it secures the necessity of life for folks and is not clawed back. As I'm sure you know, the majority of this disability benefit is being designed by regulation rather than in the bill.
I'm going to ask you first, Mr. Neven, and then Mr. Gladstone: What do you feel the pros and cons are of putting this into regulation rather than securing it into the bill to have the adequacy and to have no clawbacks? I think you also mentioned a timeline secured in the bill. What do you think the risks or the pros and cons might be on that design choice?