Madam Speaker, I thank the member opposite. I certainly appreciate his contributions here and also in finance committee.
First, for a reservist to be talking about the decade of darkness and to somehow allude that it came from the previous Conservative government, I do not think is necessarily the right term to use. He knows very clearly that the decade of darkness was in the 1990s and had to do with the military.
Former minister Flaherty, and after that minister Oliver, worked very hard to work with the financial industry. We removed the ability to utilize 40-year mortgages. We brought it down to keep the market in a stable position. His is the party that has suggested to young people, “Vote for us. We'll increase growth. We'll increase opportunities for you.” However, they made it more difficult to save for a home by cutting the tax-free savings account. They have made it more difficult to qualify for a home. They have made it more difficult to pay off student debt by adding extra carbon taxes and adding on to CPP. Most of the students will not benefit from the middle-income tax cut they have offered. I think that is wrong.