Thank you very much.
There are two topics I want to touch upon, if you'll bear with me. One is the financial aspects and the other is communication. Hopefully we will have time for both.
The advisory group lays out some pretty specific pieces in there about finance. Today you've mentioned some of your own opinions as well as those of people who have presented some of the financial shortcomings. We take those as a committee and they will be in our report.
I'd like to focus on the relationship, which we've mentioned, with the youth among our CF members and so forth. When I was in Wainwright this summer, it just dawned on me how young they are and how old I'm getting.
I want to get your thoughts on something, seeing as you're all former CF members. Is there a component that the Department of National Defence and Veterans Affairs Canada can add with regard to financial literacy? I would suggest, and my own experience would suggest, that no matter how much money you receive, or how much money you're paid, if you don't have those tools, it may never be enough. It may never be invested or spent the right way. This isn't directed at CF members. This is directed at a whole population.
Mr. Fraser, perhaps you'd like to start on that.