I think we should begin. We have a quorum.
I want to welcome the witnesses and thank them for coming.
We are studying pensions, both private and public, and unpaid work. We hope you can give us some ideas, elucidate some of the information you have, and help us with looking at public policy on this issue.
Each group will be given 10 minutes. We have you down as four groups: the Office of the Superintendent of Financial Institutions Canada; the Canadian Labour Congress; the Canadian Association of Retired Persons; and the Federal Superannuates National Association.
If you think we shouldn't divide you into four groups and you would like to work this differently, let me know now because we give each group 10 minutes. At the end of 10 minutes we open it up to rounds of questions. There's a total presentation time of 40 minutes, so if any of you wish to share your time you can let me know.
Monsieur Dussault and Mr. Braniff, do you want to share your time or are you fine? Do you want to go with 10 minutes each?