Thank you very much, Madam Chair.
Thanks to both panels of witnesses; all of you are very interesting. My first questions are for Ms. Tassé-Goodman or Mr. Poirier-Monette.
Ms. Tassé-Goodman, you mentioned that the financial situation of seniors had already been eroding for a very long time even before the crisis and that it was already precarious. There's also the matter of indexing, which has caused the economic weight of seniors to decline. Please tell me a little more about the precarious situation seniors were in immediately before the pandemic.