In looking at this amendment, Mr. Chair, and from the witnesses we had on Thursday and from considering officials' comments, what we're trying to achieve in the current act by the two suggested amendments is to make it a more objective process. What we heard on Thursday was that—I think all witnesses agreed—banks will favour, in some way, people with more assets in terms of interest rates, not simply as to whether they would grant a loan or not, but there would be lower rates. The fair market value that exists in the bill and the commercial value that would be suggested by Liberal amendment L-1 both introduce more subjectivity into it than this as a floor, so that it does actually create a greater chance of a level playing field.
In that situation, we would withdraw amendment L-1 and support amendment NDP-2.