House of Commons Hansard #124 of the 40th Parliament, 2nd Session. (The original version is on Parliament's site.) The word of the day was self-employed.

Topics

Fairness for the Self-Employed ActGovernment Orders

December 4th, 2009 / 12:45 p.m.

Conservative

Dick Harris Conservative Cariboo—Prince George, BC

Madam Speaker, I would like to thank the NDP member opposite and his party for supporting this great bill. It is a landmark bill, as I mentioned earlier.

If I may mention, because this is all about jobs and employment, there were 80,000 new jobs created in Canada in the month of November. That is five times as many as were expected. A lot of those jobs will be because of the small- and medium-sized businesses, self-employed business owners who deserve to have a program like this to draw on for their benefits.

I am sorry to say, with all due respect to the Bloc members, that their argument is simply more about politics than this program, this legislation itself. The reason I say that is because the more they see their fortunes slipping in Quebec as a separatist party and the more they see the resurgence of the Conservative Party in Quebec and it becomes a political threat, the more they are going argue against good Conservative legislation like this bill.

They should be ashamed of themselves for playing politics with a bill that is going to help the self-employed in their province.

Fairness for the Self-Employed ActGovernment Orders

12:45 p.m.

NDP

Jim Maloway NDP Elmwood—Transcona, MB

Madam Speaker, that is a real tough question that the member asked me here.

If there is a fundamental flaw in the program, it is the whole issue of it being a voluntary program. The Liberal critic seemed to be on to something when she said, “Well, we went to committee and we had the actuaries there. The actuaries kept saying that this thing could not possibly be self-sustaining on a voluntary basis.”

That is all because of being selected against. The people will join it when they know they are on the verge of making a claim. It just makes sense. It would be like an insurance company, when someone knows they are going to die in a month and they go out and buy a $1 million insurance policy. That is called selecting against the company. There are procedures in place to make sure that does not happen.

The problem is solved by having it mandatory. The Quebec program is a mandatory program.

I am not saying we go there right now. We have to move one step at a time. This is a good bill for this time. It is a first. We have to support it, but I think over time we are going to find that it is not going to be self-sustaining as the governments says and that—

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

The Acting Speaker NDP Denise Savoie

Order. As there are many members standing up, I would like to give more time for questions.

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

Bloc

Thierry St-Cyr Bloc Jeanne-Le Ber, QC

Madam Speaker, I listened carefully to my NDP colleague's speech. The same argument was repeated over and over, namely that it is no big deal if Quebec workers are cheated, ripped off, pay premiums that are three times those of other workers because it is not a mandatory program. To avoid being cheated, all they have to do is not opt in.

Let us suppose that employment insurance premiums in the Atlantic provinces were tripled but that it was no longer mandatory to pay into the plan. Would my colleague vote for such a measure?

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

Jim Maloway NDP Elmwood—Transcona, MB

Madam Speaker, the point here is that it is a voluntary program. It is as simple as that.

Across Canada, if there is no uptake in this program, the Conservatives are going to have an embarrassment on their hands. They are going to have to explain why nobody took up the program.

If they get selected against and the program loses millions of dollars, we will be holding them accountable, asking what kind of an incompetent government could have conceived of a program that came up with so many losses in the first year or the second year of the program.

That is why at this point we have to, at a certain point, accept the figures that we are given. We are taking the government's figures but we are just saying that it stands to reason that unless there are huge numbers joining up, we are going to be looking at losses, and we are going to have to be looking at making the plan—

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

The Acting Speaker NDP Denise Savoie

Order. Questions and comments, the hon. member for Mississauga South.

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

Liberal

Paul Szabo Liberal Mississauga South, ON

Madam Speaker, I think the member needs to go back and look at what the bill does. He is concerned about whether it is going to be self-sustaining. He says that when people think they are going to be ready to use it, they are going to just opt-in and get the benefit. However, the bill does say that one has to be in for a full year beyond one even qualifies for any benefit. I do not know. Maybe he has to read the bill again.

The issue here has nothing to do with whether it is voluntary or not. It is all going to be part of the new EI commission. All premiums go into the pool and all benefits come out. That is the way it is. One cannot say whether it is voluntary or whatever that it is going to matter. The issue here, which has been raised by a number of members, is whether or not fairness and equity have been achieved in terms of the prescribed premiums.

It appears based on what exists now and what is proposed. The differential has gone askew. It is out of line and that is the issue. I would ask the member to please ensure he understands that it is voluntary, but that one cannot just opt-in when one gets sick.

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

Jim Maloway NDP Elmwood—Transcona, MB

Madam Speaker, the member should listen to his own critic. She was the one who was bringing up these questions last week. She had gone to committee and she had talked to the actuary. The actuary was bringing up these questions. She was saying that this was a little bit confusing to her, but she obviously should have received advice from the member for Mississauga South. He would have straightened her out on this issue.

The fact of the matter is that this is the Liberal Party that stole $56 billion from the EI program, put it into general revenues—

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

The Acting Speaker NDP Denise Savoie

Order. I would like to ask the hon. member to withdraw the word “stole”. It is unparliamentary.

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

Jim Maloway NDP Elmwood—Transcona, MB

Madam Speaker, I was not sure what the word was, but my colleague from Edmonton said “transferred”.

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

The Acting Speaker NDP Denise Savoie

Questions and comments. The hon. member for Vancouver East. A quick question.

Fairness for the Self-Employed ActGovernment Orders

12:50 p.m.

NDP

Libby Davies NDP Vancouver East, BC

Madam Speaker, I think the member for Elmwood—Transcona made the point very well that these EI changes are so long overdue. I know New Democrats have called for years for these changes to be brought about to help self-employed people with employment insurance.

It strikes me that this is a much bigger issue in terms of social programs in general. I wonder if the member would comment on the fact that the NDP has been the champion of trying to make sure that these programs are actually there for Canadians. Whether it is EI, child care, social housing or our health care system, we are so far behind on everything.

Fairness for the Self-Employed ActGovernment Orders

12:55 p.m.

NDP

Jim Maloway NDP Elmwood—Transcona, MB

Madam Speaker, that is an excellent question. We had a Liberal government in power for a 13-year period that never came up with a solution like this. The numbers of self-employed people were growing at huge rates. It is funny that, at the end of the day, it took a Conservative minority government and an NDP opposition to put this together. Maybe that is why the Liberal Party is so sour at this time of year over an issue like this.

Fairness for the Self-Employed ActGovernment Orders

12:55 p.m.

NDP

The Acting Speaker NDP Denise Savoie

Question and comments. The hon. member for Peterborough. A very quick question because there is one minute left, so 30 seconds.

Fairness for the Self-Employed ActGovernment Orders

12:55 p.m.

Peterborough Ontario

Conservative

Dean Del Mastro ConservativeParliamentary Secretary to the Minister of Canadian Heritage

Madam Speaker, the member for Mississauga South raises an awful lot of cautions and concerns. He says that he has been here 16 plus years and that he would not want to rush this kind of legislation. He says we need to really consider these things and give them a lot of thought. How much longer than 16 plus years does he think we should consider legislation like that? I would like to know.

Fairness for the Self-Employed ActGovernment Orders

12:55 p.m.

NDP

The Acting Speaker NDP Denise Savoie

The hon. member has 30 seconds to respond.

Fairness for the Self-Employed ActGovernment Orders

12:55 p.m.

NDP

Jim Maloway NDP Elmwood—Transcona, MB

Madam Speaker, as our House leader has said, this legislation is long overdue. It is time we got with it and brought it in as soon as possible. Let us get it through the Senate. Let us hope that the Liberals do not tinker with it over there. Let us get it into law so that people can start realizing the benefits of our hard work here.

Fairness for the Self-Employed ActGovernment Orders

12:55 p.m.

Bloc

Serge Cardin Bloc Sherbrooke, QC

Madam Speaker, I have heard some rather absurd things today, and I must speak to this bill. I was an accountant and also a self-employed worker in a former life. I started working in 1974, and in 1978, I started my own business as an accountant. Of course, I did many financial statements and tax returns for a number of self-employed workers.

For some businesses, there was a single owner, but some of them were incorporated. Over time, we could see how employment insurance in Canada—unemployment insurance at the time—could work when it enabled an employer, self-employed worker or small business owner to hire a spouse and to have them contribute to EI.

At the time, EI inspectors would often show up to inspect the business's books. They would see that the spouse worked for the business and did not contribute to employment insurance. So they asked them to contribute. If a spouse worked for the business—or for a self-employed worker—and contributed to EI, but, due to decreased sales, applied for EI benefits, the inspectors would show up again and tell them they were not allowed to contribute. There were some standards to be met if the spouse wanted to contribute to employment insurance and be entitled to it if, unfortunately, they ended up unemployed.

For years, each situation had to be examined individually. When I gave advice to my clients—to say whether or not the individual should be insurable—and despite the bad intentions of the employment insurance inspectors, I was always able to suitably defend my position and I always won.

This brings me today to how the Conservatives see the program and employment insurance as such. The Bloc Québécois is constantly calling for some very important adjustments and policy changes with respect to employment insurance. In order to impress Canadians and Quebeckers, the Conservative Party is doing things that make no sense at all. For instance, in the context of the economic downturn we just went through, and which we are still feeling, when we asked that the two week waiting period be eliminated, they instead added five at the end. We cannot criticize that, but it does not have the same impact as adding two weeks at the beginning. Then they accuse us of voting against many aspects of their employment insurance program, but none of it makes any sense.

Now they come to us with a bill that grants special benefits for self-employed workers. Of course the Bloc Québécois agrees with the principle of such a bill to support self-employed workers, since we have always believed these workers should have access to the EI system, as though they were salaried employees. So we agreed with the principle of the bill. However, we are being presented with a program whose intentions are unclear. Of course, we can see them if we carefully analyze the numbers. And naturally, the program proposed by the government would be voluntary.

Many have focused on that aspect, including the NDP, the white knight of justice and equality. The NDP wants the Bloc Québécois to change its mind and make sure that everyone votes for this bill. The NDP also pointed out that the program is voluntary, not mandatory. However, there is something I would like to say to the NDP members who tell us that if Quebeckers are not interested, they need not sign up because it is a voluntary program.

The government is proposing social policy on a voluntary basis. I will not say that anyone is intentionally seeking to rob people, but I will say that someone is seeking to exploit people. If all Quebeckers were to sign up for this program tomorrow morning and pay the set premium, $1.36, they would be financing the sickness and compassionate care portions of this insurance scheme for the rest of Canada. They would be footing the bill for everyone else in Canada.

Why should Quebec have to do that? Earlier, the Conservatives said that what they are doing is strictly political and that they are doing it because they are gaining ground in Quebec. Obviously, they are daydreaming.

Not a single Quebecker would want the Bloc Québécois to make it possible for the rest of Canada to exploit Quebec on such an important issue as sickness and compassionate care benefits.

Their behaviour is just so sad. They were not even interested in hearing what the actuary had to say to the committee. He was in the position for many years and dealt with this issue and contribution rates. In fact, he was the one who did the calculations at the government's request to reduce contribution rates so that the government could say it reduced the rates. The government also made deep cuts to benefits.

Now, what the Conservatives are trying to do with this bill is look like the heroes and make everyone believe that they have done something good for self-employed workers.

I may have lost my train of thought a little, but I have lost none of the anger that I want to convey to the Conservative Party. What the Conservatives are trying to do here is appalling. As I said earlier, they want to look like heroes and make everyone think that they are helping self-employed workers. They finally realized that self-employed workers are strategically, even critically important to Quebec's economy and Canada's.

Quebec already has maternity benefits and parental leave, which cost us 86¢.The government is adding $1.36 to that, for a total of $2.22 for all the benefits, while self-employed workers in the rest of Canada will pay $1.73.

There may seem to be something wrong here. I would say that there is something wrong, but we also have to consider the fact that Quebec is slightly more progressive than the rest of Canada. It has more suitable parental and maternity leave programs.

Still, there is an unaccountable difference that I would describe as almost dramatic. I wonder how a Conservative member from outside Quebec would explain that to Quebeckers.

Quebeckers would certainly like to enrol in such a program, but how will they react when they find out they have to pay for the rest of Canada in addition to themselves?

The proposed rate of $1.36 is three times the actuary's estimate of 41¢. Every self-employed worker who signed up for this insurance would pay for three Canadian workers. I had not thought about it, but maybe that means that one Quebecker is worth four Canadians. But that is not what I want to say.

It comes down to the same thing, because Quebeckers account for 25% of the population. One country represents 25% of the population of another country. But that 25% is actually 100%.

I am stunned that even a single federal member from Quebec could support such exploitation of self-employed workers in Quebec. I am convinced that the NDP member from Quebec, the member for Outremont, will vote against this bill. He will never agree to tell self-employed workers in Quebec that they can get ripped off by voluntarily purchasing this insurance. Does the member for Outremont really want to tell Quebeckers that he is voting for insurance that literally exploits them? Is there something wrong with his idea of fairness and equity?

In speaking of fairness and equity, I would like to point out the contribution of the member for Mississauga South who clearly stated, as did other Bloc members, that we must do much more. We cannot give up. Just because we are at third reading today does not mean we must give up. Some things need to be clarified and others need to be challenged. Some changes may even be required. It begs a fundamental question: should this measure be mandatory? What would have happened if the bill had stated that the measure was mandatory?

Obviously the rate of $1.36 for Quebeckers would not have been acceptable and would not have been implemented. I even wonder if the intent of this premium rate is to have Quebeckers say no to this bill. It is important to ask this question. The Conservative Party constantly introduces bills that seem wonderful but that are at odds with Quebeckers' interests and do not work at all. That always happens. They are always sugar-coated and unfortunately the image projected almost never corresponds to the reality.

Once again, I appeal to all the members of this House and the Quebec members. I am convinced, even though these members sit in cabinet, even though they are ministers, that Quebeckers would never accept that they would agree to a bill to create a program that would shamelessly exploit them.

We actually were in favour of a program providing sickness and compassionate care benefits, but not on these terms.

It goes against our principles of fairness and equity to tell Quebeckers that we have managed to secure a sickness and compassionate care program but that they will have to pay so much and pay for the rest of Canada. I find that unacceptable and if no significant changes are made, if no adjustments are made to reflect the reality then, unfortunately, the Bloc Québécois will vote against the bill.

Fairness for the Self-Employed ActGovernment Orders

1:10 p.m.

Conservative

Dick Harris Conservative Cariboo—Prince George, BC

Madam Speaker, as one from outside Quebec, I would not attempt to explain this to someone in the province of Quebec. I will leave that to my colleagues, the MPs from Quebec and also the candidates from Quebec in the next election.

However, I will try to clarify for the people who live outside of Quebec, who are watching this debate, lest they be misled by the member for Sherbrooke.

The point the member is making is this incredibly low price Quebeckers have for the benefits that already exist in Quebec. I submit that the only reason these programs are still operating and operating with a horrendous loss every year, and they are grossly underpriced, is because of the massive subsidies the province has to put in to support them. That is the reason the taxes in Quebec are the highest of any province in Canada.

The member for Sherbrooke said he was an accountant. He surely must know that we do not get something for nothing.

Where the employers and the self-employed may be paying a small premium for the benefits they are getting, the fact is their property taxes are more and every other tax in Quebec is almost higher than any other provinces in Canada.

Lest the people watching are misled, that is the whole point. The member is not being clear on that.

Fairness for the Self-Employed ActGovernment Orders

1:10 p.m.

Bloc

Serge Cardin Bloc Sherbrooke, QC

Madam Speaker, I am one of those who think that everything is worth something and that we have to pay a fair price. That is not the case here. Obviously the hon. member can tell the rest of Canada that Quebec has voted against this. With the figures they are presenting, the premium is being subsidized.

We have more progressive policies in Quebec because we pay for them and the federal government never pays us more than our share. We are not here to beg the federal government for money. We are here to get our fair share. We do not intend to finance the rest of Canada for things that, in some cases, do not concern us. This matter does concern us, but it is not up to us to finance self-employed workers in the rest of Canada. They too have to realize that everything is worth something and that they have to pay what this insurance for sick leave and compassionate care benefits is worth. They will benefit from four forms of insurance for $1.73, while we are already paying 86¢ a year for two that are much more comprehensive and more in line with the needs of Quebeckers. Quebeckers are prepared to pay for what they get, but they should not have to pay for what they are not getting. It is only fair.

Everything is worth something and we will see what the Bloc Québécois is worth to Quebeckers in the next election. Through you, Madam Speaker, I invite the hon. member to come sell his plan to us in Quebec.

Fairness for the Self-Employed ActGovernment Orders

1:15 p.m.

Liberal

Paul Szabo Liberal Mississauga South, ON

Madam Speaker, we can see what is happening here. There seems to be a dispute in facts. When there is a dispute in facts, let us resolve them. Let us get to the facts because the facts will speak for themselves.

If we took the current salary for people in Canada, here is what they pay and here is what they get and apportion that premium, the $1.73 to each of the elements of EI benefits and special benefits, and if we do the same for Quebec, we will find a couple of those special benefits that Quebec does not participate in the EI program because Quebeckers already pay for them and they are provided by the Quebec provincial government. There is the disparity.

If we put in self-employed people from across Canada, we have to build on that model. There already is a differential for good reason. They are paying for it through their provincial taxes.

However, the numbers and the methodology for the proposed inclusion of Quebec self-employed persons does not build on the basic framework of cost of benefits and that is the problem. It is not subsidizing anything. It is fairness and equity and the numbers will show it.

Fairness for the Self-Employed ActGovernment Orders

1:15 p.m.

Bloc

Serge Cardin Bloc Sherbrooke, QC

Madam Speaker, I would like to once again recognize the contribution of the member for Mississauga South. There are conflicting ideas and positions because there is a very big disparity between the Conservatives' assessment and ours. We heard them. They are convinced that their assessment is the correct one.

There is about a 1¢ difference, but we believe that our assessment is the correct one. Furthermore, the former EI actuary supports us. For years, he gave the government exact figures so that it could assess the situation and, ultimately, so that it could dip into the EI fund.

Fairness for the Self-Employed ActGovernment Orders

1:15 p.m.

NDP

Don Davies NDP Vancouver Kingsway, BC

Madam Speaker, I have listened to the debate and a couple of points stand out.

The first is about the question of vision. I just heard from the government side what I consider to be a small and narrow-minded vision of the kind of services that government can provide to our citizens. The Government of Quebec has an expansive vision in many areas and one of them is child care. Quebec has led the country in providing child care services at an affordable rate. Quebeckers have decided to pay for that service and it serves as a model for the rest of us. I agree services for Canadians should be paid for and valued.

I would like to hear about the member's vision for EI with respect to these benefits. We are talking about giving maternity/paternity benefits, sickness benefits and compassionate care benefits to self-employed people. Would he not agree that self-employed people have children, they get sick and they have family members who they have to take care of? Are these not the kind of programs that provide a good vision for our country, similar to the child care policy?

Fairness for the Self-Employed ActGovernment Orders

1:20 p.m.

Bloc

Serge Cardin Bloc Sherbrooke, QC

Madam Speaker, talk to Quebeckers about their government, and they automatically think of the Quebec government because that is the authority that provides most of their essential services.

Talk to people from other provinces about their government, and they automatically think of the federal government. That is the first thing that comes to mind. As such, they easily buy into a lot of what the federal government gives them. But people in Quebec want to do things their own way to best meet the needs of Quebeckers. The other provinces have a frustrating tendency to unquestioningly accept whatever the federal government hands them.

We have our own way of doing things, and when people ask us to do something, we do our best to make it happen. We collect money in lieu of federal services, and we provide Quebec-quality services, which are better.

In the end, what can we do? Quebeckers have a completely different vision. They are moving toward complete independence—sovereignty—because they want to be done with these disputes.

This is yet another reason for Quebec to take charge of all of its own affairs and opt out of fruitless debates in the House.

I am sure that a lot of members must find these debates tiresome. The solution is easy enough: if they stop acting the way they are acting, things might get easier. In the meantime, Quebeckers will progress toward the ultimate and best scenario.

Fairness for the Self-Employed ActGovernment Orders

1:20 p.m.

NDP

Malcolm Allen NDP Welland, ON

Madam Speaker, it gives me great pleasure to rise in this debate. What I heard from my hon. colleague from Sherbrooke was a complaint about a system that is broken and has not been fixed in a holistic way.

The present government, and the previous one that helped dismantle the system, is now in the process of adding band-aid upon band-aid instead of looking at the system that started to break in the 1980s, with a Conservative government led by Prime Minister Mulroney and continued on by Liberal governments through 1990s, when they gutted the system, overcharged us, pocketed the money and squandered $57 billion. Now, in a moment of crisis, we are trying to add a band-aid solution to a program that at one time worked for all Canadians across this land and now no longer does.

I commend the government on one hand for saying we should extend benefits that a lot of us get when it comes to maternity leave, parental benefits, compassionate care and sick leave. That is an equality issue the New Democrats and the labour movement have been demanding for a long time.

Clearly, sickness knows no workplace, whether it be self-employed at home, in industry or the service sector working for an employer. When people get ill, the illness does not knock on their door and ask if they are covered by a sick plan. People get sick and their needs are still the same. In families with only one person working and bringing home income, the need to sustain those families, keeping a roof over their heads, putting food on the table for their children or themselves. remains the same.

To start to add more to the program is a good thing. The problem with this is it simply says that some people might like it and they should think about entering the program. I am not too sure that is the appropriate way to do these sorts of things when it comes to adding on a new program. We need to look at it in a way that tells people these are great programs for them, that they need to join and here are the mechanisms to do it. It needs to be the same for the self-employed as it is for those of us who work for an employer and simply pay it.

Unfortunately, in life people will be faced with one or two of the benefits that will be available to the self-employed if we pass this bill. People will either get sick or require the compassionate care benefit. I have heard folks say for a long time that in life two things are absolute, taxes and the end of life.

When people deal with the end of life, whether it be parents, a loved one or a member of a family, we will all face that predicament. For a group to be singled out and not have the benefits as others who happen to be employed by someone else, to be honest from my own personal perspective, is criminal. We are not going to talk in a holistic way about those benefits. We are going to tell people they come into the program if they choose.

There are some difficulties with the program as there are with every program. I hope the government is listening. When people are sick, the two-week waiting period is an abomination. Regardless of whether people are laid off or get sick, it is really reprehensible when they are sick.

If people get sick and are unable to work, the first thing to happen is they lose money. We ought to be thinking about the fact that people do not choose to be ill. The illness could be of a catastrophic nature or people could end up in hospital, not like catching a cold and being laid up for a couple of weeks. It could be that someone has a major infection, lands in a hospital and is there for three, four, five, six, eight weeks. People have to wait for the stream of income required to sustain them through such periods of time.

They also have to go through the process of filling out cards and doing all those good things that the process talks about during an illness, and that is a delaying process. The two weeks really amounts to six by the time people receive any money.

Those who are ill need one less thing in their lives to worry about that could put them in a more serious situation than they are already in. We need to think about that element in the system. As I said earlier, it is really about justice and equality for all of us.

Why should some workers be treated in one way and others absolutely differently? When we look at the fairness of ensuring people having the ability to get involved in the program, it is long overdue. The New Democrats, as I said earlier about the labour movement, have been talking about a program that works for those of us in the working world because it is a program meant for us, as workers. It is designed for that.

Unfortunately, in the last 20 years, the design of the program is for the government to collect money. We watched the Liberals do it. The Conservatives, in their great thought processes, have looked at the Liberal plan. I have heard them from time to time say that the Liberals gave them a broken system. I have yet to hear them say that they will fix it. They continue with that broken system. They have said that in the House. I know it to be true because they would not mislead the House. What do they do? They do not fix it. That is a crime in itself. They need to fix the system if they know it is broken. Why would they continue with it? Yet they do.

We know the EI rates have been frozen for the next year. When we look at a plan of the Conservatives, we look at what they intend to do. They have obviously learned the lessons of the Liberals in the nineties. The Conservatives will be able to collect the money in 2011, heading to 2012, to 2013, to 2014 and forward. The revenue will be far greater than what they intended to pay out because the system will not be fixed. They are going to leave the 50-odd per cent of those who do not get covered by the system out of the system and collect the money. They saw what the previous government did. Then they will take the money, as my colleague said earlier, and transfer it, I would say squander it, and use it for other things, which places this program in jeopardy.