I'd like to thank you, gentlemen, for being here. I appreciate very much all this information. I hope I can do justice to it in terms of my questions.
In slide one, I found it very interesting that, among those who were covered by pensions, in terms of males it had declined and in terms of women it had increased slightly, but both were in the area of 38% to 39%. That means that 60% of Canadians are not covered by pensions, and it would seem to me we should be very concerned about that.
Have you pursued any of that in terms of looking at trends? Ultimately, in the fact that 60% of Canadians are not covered, what does that mean? Can you speculate?