Finance committee  No disrespect. I only use official data from those official international organizations, such as the OECD, for example. The OECD has studied this in Pensions at a Glance, which they publish every two years, and it is non-partisan. It is funded by Canada and all the other OECD cou

Finance committee  I never advocated the privatization of social housing. I argued that it should never be done by the federal government. Provincial governments are much closer to the people and they should be responsible. Those programs and resources should be transferred. Very quickly on mortga

Finance committee  Yes, but I didn't bring them with me.

Finance committee  I believe it's due to the bank's due diligence.

Finance committee  CMHC is making money. Many people attribute that to the mortgage underwriting policies of CMHC. As a former mortgage manager who's very intimate—

Finance committee  Thank you. Thank you for the opportunity to appear. I want to disclose before I present that I have no consulting contracts of any kind anywhere in the world with any corporation or union or NGO or government, and 100% of my income is from Carleton University. I come before this