Mr. Speaker, I appreciate the tough but fair question from my colleague. My colleague is exactly right. We believe in individual initiative. We believe that Canadians have enough intelligence on their own to make their own investment decisions. We believe that Canadians can chart a course for their own retirement. Unfortunately, the government does not seem to believe that Canadians have that intellectual capacity to make their own choices.
In the situation my colleague mentioned, it would be devastating for a small business owner to be forced to pay that amount of money when he could be reinvesting that money in his own business or using that money to put into his own investment portfolio.
Our choice is individual rights. Their choice is government knows best.