Mr. Speaker, there are two areas that perhaps the member could comment on. Bill C-51 is changing the rules of the game with regard to early withdrawal or commencement of CPP benefits. The effect is that if one takes CPP early because one needs it, one is being penalized; but if one defers it beyond age 65, one actually gets more. Therefore, the people who really need it get penalized and those who do not seem to need it get a premium. That confuses me about the government's intent.
The second one is probably equally as important, which is the EI commission and the so-called non-tax, according to the government, of increasing premiums on EI to enable the government somehow to start working its way back from this terrible deficit. It appears that rates will have to go up by something like 35% to 45% to deal with the problem the government has created.
I wonder if the member could enlighten the House as to whether or not we have third party testimonials to these problems.