Thank you, Mr. Chair. I'll probably need less time than that.
Basically, I'm starting out favourably disposed to what the government wishes to do, because it's also what our government had wished to do. I just discovered recently that we had the same process as well as the same substance. But perhaps more fundamentally, I tend to be on the side of Adam Smith, thinking that more competition is better than less competition and that a duopoly is probably not optimal.
I basically have two questions. The first would be to either Mr. Charles or Mr. Tonnesen, I think, or to Monsieur Roy.
Since I begin with a bias very much in favour of what the government is proposing, I think the onus of proof is on the other side. In the Desjardins submission, one of the conditions given, the second one, is that it is critical that mortgages not be subject to an anti-selection process that would disadvantage home owners outside urban areas, and more particularly rural residents. So I'd like to ask those who propose to enter the competition to explain whether there would be such an anti-selection process and whether there would be any risk for rural people in this new, multi-company, competitive world?
I also have a question for Mr. Vukanovich. I'm not making any accusations—I must stress that—but I think it was Mr. Turner who really pushed this, and then when I read on Mr. Turner's website of March 19 about his friend Peter Vukanovich coming to visit him a few days ago in his riding office, and since he seems to be instigating this, I want to ask what the nature of that relationship is, just for the record and without making any accusations.
Those are my two questions, Mr. Chair.