Mr. Speaker, I can tell from the manner in which the question has been put forward that the member does not share the same experience as perhaps many Canadians have in terms of getting a loan from a bank.
Unless I have misunderstood him, he is suggesting that all Canadians are equal before the banks, but that is not the case. The banks do not particularly care whether in this sense the loan is related to the democratic pursuit of public office. If the member is suggesting that has any added value in the eyes of the banks, it may in the eyes of the bank manager who may have insights in his or her experience, but in terms of an institutional insight, I do not think that I would want to suggest that all Canadians will have that kind of equality.
If we take that line of reasoning, if someone has to get a loan, he or she is not going to have as much ability to do that depending on what the person's economic status is, if the person owns property, if the person has collateral. We cannot do that. We cannot even have someone put up his or her collateral in this instance.
Unless I am not understanding the bill, that is not a reasonable nor is it a fair or equitable position for us to put any Canadian in. If we are talking about bridging our principles with our desire to involve Canadians, it has been said that every private has a field marshal's baton in his knapsack. They all have the ability to stand for public office if they so desire, but at least we should guarantee the tools for them to do that.
In terms of the three years, I am saying it is not clear in the legislation that that can be contracted. If I am wrong on that, then there is one part of it that I feel an amendment has been made which accommodates that. However, that is not the understanding I have of the bill. The understanding I have of the bill is that if it is the bank and the bank wants to arbitrarily call the loan, then the loan will be called. Unless it is very clear and consistent with contract law, then there is a major inconsistency in this bill. I would suggest to the parliamentary secretary that that inconsistency has to be looked at.