Mr. Speaker, it is a very simple premise. Let us say people are working and earning low incomes. We would be taking money away for their consumption today. Maybe they want to hire a math tutor for their sons or daughters, or maybe they want to invest in going back to school, those kinds of things that make us wealthier and smarter down the road. They cannot access those. In fact, they have put that money into the future, where there will be other benefit programs like old age security and the guaranteed income supplement, which track with inflation. They are going to have more money down the road, but they have less money right now. That really cuts off their ability to do other things, like I said, in education or investments in themselves.
I have heard from young families in Summerland who are being told they cannot qualify for the larger homes that they have been saving for. This has been tough on young Canadians who want to start families and want the same benefits that many of us here have had.