Mr. Speaker, those are three questions rolled into one. I will try and answer them as briefly as I can so that other members will have the opportunity to ask questions also.
The member's first question had to do with household debt. If we do some analysis, we will realize that not only is Canadians' household debt increasing, but Canadians' net worth is also increasing. What is happening is that people are borrowing against their net worth.
In and of itself, household debt is not a problem. We have to get down into the layers and look at what kinds of people are borrowing, and borrowing inappropriately. That is why we have put in some measures with respect to credit cards. We have also put in other measures with respect to borrowing.
Ultimately, this is a vote a confidence. People, especially young people who buy homes and have a mortgage as part of their debt, are borrowing because they have confidence in the Canadian economy and know that they can buy those homes and meet those mortgage payments. I think my friend in the opposition is building a solution for a problem that does not quite exist in the way he thinks.
The second question, if I recall, has to do with training. I know we need to leave some time for other members, but I will just say that our job plan, the Canada job grant, is really important. There are a lot of jobs out there, thousands of them, that are unfilled. This is where the job grant comes in. I have had many discussions with our minister of human resources, and we are committed to getting people into those jobs that they need.