Madam Speaker, that is a real tough question that the member asked me here.
If there is a fundamental flaw in the program, it is the whole issue of it being a voluntary program. The Liberal critic seemed to be on to something when she said, “Well, we went to committee and we had the actuaries there. The actuaries kept saying that this thing could not possibly be self-sustaining on a voluntary basis.”
That is all because of being selected against. The people will join it when they know they are on the verge of making a claim. It just makes sense. It would be like an insurance company, when someone knows they are going to die in a month and they go out and buy a $1 million insurance policy. That is called selecting against the company. There are procedures in place to make sure that does not happen.
The problem is solved by having it mandatory. The Quebec program is a mandatory program.
I am not saying we go there right now. We have to move one step at a time. This is a good bill for this time. It is a first. We have to support it, but I think over time we are going to find that it is not going to be self-sustaining as the governments says and that—