Thank you very much, Mr. Chair.
I'd like to thank all the witnesses for coming here today.
I represent Oshawa, which has a huge automotive industry. I definitely see the challenges. Another one of your representatives, Jeff Watson, actually chairs our auto caucus. We're very much involved in looking at this industry and the challenges that are facing it.
As we've travelled across Canada so far, we've heard a number of consistent things coming forward. There was something brought up today, though, by Mr. Bernard and Mr. Moynahan, which is something a little different from what we've heard up until now. I was wondering if I could ask you to expand a little bit more on this. It's something I've heard in the past. It's about the financing that businesses have to do for other companies out there. I've had the opportunity of speaking to an aluminum window manufacturer and he told me how he would build it, ship it, and all the costs he would put into that for the research, everything, and he would be financing for 90 days and sometimes he wouldn't get paid. The law is you have to put a lien between 45 days—
I was wondering if you could talk a little bit more about how government could help that, or any ideas you have as far as helping the finances with small businesses so that this isn't such a big challenge, including the ideas of these liens, the GST, how you do business. You mentioned that, Mr. Bernard. Could you expand, both of you, those concepts you brought up today?