I call the meeting to order.
Members of the committee, we have with us witnesses from the University of Montreal and the Federal Superannuates National Association. From the University of Montreal we have Madame Ruth Rose, researcher, and from the Federal Superannuates National Association we have Monsieur Bernard Dussault, senior research and communications officer.
We're trying to locate the third witness, but since these witnesses are already here, we would like to start off with Madame Rose. Could give us your presentation in ten minutes?
Do you speak French or English?