MP Kmiec, you have two issues that are really at the core of your motion. First, the spread on the stress test, and second, that when someone is going to renew their mortgage, they have to stay with their existing lender, which you are stating is limiting choice for consumers. That's what you're saying.
The stress test, whether it's applied on a six-month variable rate for a year or a five-year fixed rate independent of the amortization is a stress test to ensure that people are not taking on debt they can't service if rates rise. You've identified two issues that I don't believe need a motion or a study to look at.
I'm more than happy to sit down with you, Dan, and Pierre to talk about those issues, to raise those issues. That's not an issue at all. We've done that effectively in other caucuses that Dan and I were a part of, but to use the time of the committee in the fall, when the pre-budget consultation are going on—and we know how extensive and intensive they are.... I just think it's something you could address through a different process, and I'd be more than happy to work with you and move that forward.