Okay.
I listened to Mr. Fragiskatos' question, but I would call it fake news. The budget says that we want to let new families get a new house, but what you're telling me—you're an expert, you're a professional, you're with Mortgage Professionals Canada—is it's zero. The only thing it will do will be for the person who already qualifies. Well, this person will get this benefit at the expense of all Canadians, but they already qualified. Frankly, I'm disappointed in the budget. I was willing to vote against it and now I have one more reason.
I'm also disappointed because access to home ownership is a major issue for future generations. As we know, the Liberal government just dug us $20 billion deeper into debt. Future generations will be footing that bill.
One way to build capital is to buy a house. Earlier, you talked about stress tests for mortgages. The Liberals have reduced access to home ownership by implementing stricter criteria. I'm a little disappointed, because access to home ownership is important.
You also said that this measure has negative effects. You talked about resale and the fact that people may not be willing to reinvest.
I'd like to hear what you think, Mr. Wolfe, if I have enough time left.