Thank you, Mr. Chair.
I want to say a big welcome to all of the witnesses here today. It's been really enlightening for me to hear some of the personal stories and talk about the circumstances they are facing because of this clause about marriage after 60.
I especially want to welcome Walter and Norma, who live on the beautiful Eastport Peninsula, which is actually in my riding of Bonavista—Burin—Trinity.
I have a couple of questions.
First of all, Norma, I think Sandy might have clarified this, but I want to make sure. You were saying that when you and Walter had the discussion about putting the extra money per month into a survivor's program—the option, I guess, to have a survivor benefit plan, that $500-plus a month—if you passed before Walter, he would not receive any benefit whatsoever, and that money would be lost. Is that correct?