Thank you, Madam Chair.
To Mr. Dussault, through your presentation I was interested in your comments that upon the death of the spouse there's a first survivor. Usually the woman in the household is the survivor; the man passes away first. And clearly within the public pension plan, the survivor benefit, I think you said, is 50%, and that's my recollection as well.
But in light of the fact that there are other assets, in the case where the man passes away, any assets—family assets, real estate, other things—essentially go to the surviving spouse tax-free. Madam Neville made an interesting point about the fact that the surviving spouse gets jacked up into a higher tax bracket and that there is a change in financial circumstance as well.
I would see to some extent that in terms of living in poverty, the financial circumstance because of all the family assets coming to the surviving spouse wouldn't necessarily be launching them into a period of more poverty than what they had before.
Perhaps I'm just way off on this, but maybe you could clarify that a little bit for me or add some insight.