Debates of Sept. 22nd, 2022

Cost of Living Relief Act, No. 2

[Mike Morrice, Green, Kitchener Centre, ON]

Mr. Speaker, I appreciate the efforts of the leader of the NDP to get this support to Canadians across the country. That being said, a $500 cheque does not address the fundamental market conditions that are benefiting institutional investors, leading to increased rents for seniors on fixed incomes and young people being priced out of the housing market altogether.

I know the member agrees that more needs to be done. I wonder if he could share what he thinks all parliamentarians could do to rise past the partisanship and work together to ensure that homes are places for people to live and not commodities for investors to trade.

[Jagmeet Singh, NDP, Burnaby South, BC]

Mr. Speaker, the hon. colleague has raised a real concern with which Canadians are faced. The fact that first-time homebuyers are competing with corporations that have billions of dollars to purchase properties to make more profit is unfair. It is a fundamental problem we are up against. We need to get at that. That is why we have called for changes to the way we approach housing.

Financialization and commodification are serious problems that need to be addressed. Housing should be about people being able to find a place to call their own, a place to live. That has not been the case for a long time now. There are specific changes we can make to the tax laws that will disincentivize property flipping or corporations from purchasing properties and to ensure that home ownership, being able to find a place to rent or own, is for families, people and workers. That is something we can do. We have to make it a priority.

[The Deputy Speaker, Conservative, Chris d'Entremont]

Before proceeding to the next speaker, we have a point of order from the hon. member for Oshawa.

[Colin Carrie, Conservative, Oshawa, ON]

Mr. Speaker, I want to bring to your attention that this morning, at around 10 a.m., when the House of Commons began sitting, I was waiting to be accepted into the Zoom meeting. As it is Thursday, Routine Proceedings is the first item on the agenda, which is a very important part of any sitting day. While I was waiting to be accepted into the meeting, the session began.

I am not a big fan of a hybrid Parliament, but if it is to be used, then it must be used in a fair way. I am asking you, Mr. Speaker, to please ensure that those of us trying to log onto the online meeting are accepted and online before starting the session. Those of us who logged online early, before the session started, have the right to participate fully.

I am sure this was just an anomaly for today, as it has worked fine in the past, but I felt you should be made aware of it, Mr. Speaker.

[The Deputy Speaker, Conservative, Chris d'Entremont]

I thank the hon. member. The Internet being the way it is, once again, the camera actually did not key to show in the House of Commons. We will go back and look at the log-in sequence to ensure that everything was working correctly for today.

Resuming debate, the hon. member for Davenport.

[Julie Dzerowicz, Liberal, Davenport, ON]

Mr. Speaker, I will be sharing my time with the most hon. member for Halifax West.

As always, it is a true honour for me to rise in this venerable House to speak on behalf of the residents of my riding of Davenport.

I will be speaking to Bill C-31, an act respecting cost of living relief measures related to dental care and rental housing. More specific, I will be speaking about how the federal government is working to immediately make accessing dental care for children across Canada more affordable through the Canada dental benefit. This is important to families in my riding of Davenport, particularly those families that do not have access to dental insurance and whose household incomes are below $90,000.

Indeed, Canadians are feeling the rising cost of living, particularly through higher food prices and rent. While inflation is a global challenge caused by the pandemic and Russia's illegal and unjustifiable invasion of Ukraine, it is important for our government to help families weather the impact of higher costs by putting more money back in the pockets of the middle class and those who are working hard to join it.

The introduction of Bill C-31 by our Ministers of Health and Housing is a critical step in improving oral health for children and delivering on our commitment to financially help Canadians deal with the rising cost of living. By helping families afford the dental care their children need, this new benefit would support families that need it the most, when they need it the most.

Helping Canadian families weather the impacts of inflation by working to put more money back in their pockets this year is a priority for our government. This investment in dental care for children without dental insurance would build on the strategic investments our government is making to support Canadians, by making life more affordable and building an economy that works for all, while at the same time helping our youngest members of society get off to the right start and have healthier oral health while suffering less pain.

Since 2015, our federal government has cut taxes for the middle class and raised them on the wealthiest 1%. We have delivered a Canada child benefit and raised it every year, to continue putting more money back in the pockets of nine out of 10 families with children, and we will have cut regulated child care fees in half on average by the end of this year for families across the country. These are just a few examples of how we are delivering support for lower and middle-income Canadians.

The federal government has also taken steps to support our universal health care system through a one-time top up to the Canada health transfer of $2 billion to the provinces and territories to help reduce backlogs for surgeries, building on the $45.2 billion provinces and territories will receive this year.

Our federal government has taken important steps to make a real difference for families across the country, and I am incredibly proud of the significant long-term sustained investments the government is making to help deliver a more affordable and better quality of life for families across Canada.

That being said, we know that dental care is an integral facet of the overall health of Canadians and that poor oral health can have costly personal and financial repercussions.

It is estimated that the negative impacts of poor oral health account for productivity losses of over $1 billion per year, as well as approximately two million missed school days annually. This outcome increases public spending in cost-intensive health care areas, such as cardiac and emergency care. By making dental care more affordable for middle-class families, we believe the Canada dental benefit would help greatly reduce these costly and serious negative impacts.

We also know that cost is a significant barrier to accessing dental care for many Canadians. Among children, much of the burden of dental disease is concentrated in children from low-income families. That is why we have introduced this legislation to break the cycle of poor oral health for the youngest Canadians and to help ensure families can afford dental care for their children.

We estimate that over 500,000 Canadian children could benefit from this investment and that the cost of this targeted investment is estimated to be $938 million. It is absolutely a worthwhile investment and the legislation, if passed, will make it more affordable for parents to take their children to see a dental professional, so children across the country can receive the care they need.

The Canada dental benefit for children without insurance under the age of 12 will help parents with income under $90,000 purchase needed dental care for their children. The Canada dental benefit would provide direct payments to eligible applicants, totalling up to $650 per year, per child for dental care services for applicants with a family income of under $70,000. It would be $390 for those with a family income of $70,000 to $79,999, and $260 for those with a family income of $80,000 to $89,999. Parents or guardians of eligible children who have dental needs would need to apply to access payments.

Our federal government will be taking action to ensure that Canadians receive the benefit as quickly as possible. The legislation would give the Minister of Health authority to implement this application-based upfront benefit payment to eligible Canadians later this year.

The targeted implementation date for the Canada dental benefit is December 1, pending parliamentary approval and royal assent for enabling legislation. The program would cover expenses retroactive to October 1, so long as the child remains eligible on December 1.

Canadians will be able to apply for and receive the benefit upfront before accessing dental care. Eligible Canadians can apply via the Canada Revenue Agency's secure My Account portal or by calling the Canada Revenue Agency's client contact centre.

Our federal government will ensure that applications will be processed quickly, automatically in many cases, with payments received within a week for individuals requesting direct deposit.

We understand that dental care needs vary from one child to the next, which is why we are providing flexibility for the Canada dental benefit to be used for any dental care provided by a regulated oral health professional licensed to practise in the applicant's province or territory.

This flexibility will position parents to have discussions with their oral health care provider to determine the most appropriate dental care treatment for their children.

It is important to note that the Canada dental benefit will not reduce other federal income tested benefits, such as the Canada worker benefit, the Canada child benefit and the goods and services tax credit.

Our federal government will ensure that Canadians receive the information they need to apply for and receive the Canada dental benefit. Through a joint collaboration between Health Canada and the Canada Revenue Agency, a public education campaign for the Canada dental benefit will be launched, with tailored messaging providing essential information on who qualifies and how to access this funding.

Our federal government will engage with stakeholders, such as provincial and territorial dental associations, to promote the Canada dental benefit and provide essential information for qualifying families to be able to understand how the benefit will work for them, recognizing that the Canada dental benefit is the first stage of the government's plan for making dental care more affordable for Canadians.

I am pleased to also see that our federal government is committed to providing dental care to Canadians and continues to take needed steps to build a comprehensive, national long-term dental care program.

Just to remind everyone, federal budget 2022 proposes to provide funding of $5.3 billion over five years and $1.7 billion ongoing to deliver a dental care program for low-income Canadians and to help provide dental care for Canadians who are unable to access care because of the cost and/or because they do not have dental insurance.

The legislation strikes the right balance between ensuring that the immediate needs of low and middle-class children are met, as well as setting the ground work for a comprehensive dental care program.

I know that this benefit will help many families, not only in my riding of Davenport but families right across the country. I ask all members of the House to join us in supporting this much-needed legislation.

[Marty Morantz, Conservative, Charleswood—St. James—Assiniboia—Headingley, MB]

Mr. Speaker, just two days ago in a speech, the deputy governor of the Bank of Canada, Mr. Beaudry, said that in hindsight, governments and central banks should have withdrawn stimulus measures earlier to keep a lid on inflation. Why is the government ignoring his advice completely and adding $4.5 billion in additional stimulus spending, which will make inflation even higher? These benefits will be eaten up by additional inflation in no time flat.

[Julie Dzerowicz, Liberal, Davenport, ON]

Mr. Speaker, we are ensuring that we invest and make targeted investments in Canadians, and we are providing support to our most vulnerable Canadians and to those who need it the most.

This is not a big spending plan. It is very targeted. Economists have already opined that it is not anticipated, in any way, to add to inflation.

[Julie Vignola, Bloc, Beauport—Limoilou, QC]

Mr. Speaker, I wonder if my hon. colleague realizes that the $500 given annually to low-income families to help them pay for housing works out to just $42 a month, the equivalent of less than a week's worth of milk for a family of four. The cost of milk for a week is now between $50 and $60. This is just a band-aid solution that fails to address much more significant needs, including the urgent need for well-built housing. There is a shortage of over 600,000 units.

[Julie Dzerowicz, Liberal, Davenport, ON]

Mr. Speaker, housing is a huge worry not only for the residents of my riding of Davenport but for all Canadians. That is why our government, since we were elected, has announced a national housing strategy, to which we have allocated $72 billion.

As part of that housing strategy, we have also introduced the Canada housing benefit to help the most vulnerable Canadians at the lowest end of the income scale afford their rent. There is a one-time top-up as part of Bill C-30 and Bill C-31, which are all about providing targeted investments to Canadians who need it the most. We are providing an additional $500 on top of all the other benefits we are providing to Canadians at this particular time.

[Gord Johns, NDP, Courtenay—Alberni, BC]

Mr. Speaker, my colleague talked about an economy that works for everyone. Well, the PBO put out a report recently and cited that the top 1% of families in this country hold 25% of the wealth while the bottom 40% hold 1.1% of the wealth.

Meanwhile, we are seeing grocery store chains, banks and oil and gas and telecom companies make record profits, while groceries, bank fees, gas and wireless fees go up. Greedflation has taken hold. We live in a country that has the lowest corporate tax rate in the G7. Meanwhile, children cannot get their teeth fixed and we have seniors who need help.

When are the Liberals going to address the greedflation? We know that the Conservatives, who are the gatekeepers for those big corporations, are not going to address it. Is the Liberal government going to do something about it? I ask because we are waiting and those people desperately need help. We are glad to see the Liberals finally vote in support of our measure on dental care, but what took them so long?

[Julie Dzerowicz, Liberal, Davenport, ON]

Mr. Speaker, I agree. We should ensure that every Canadian pays their fair share of taxes.

We have already announced that we are permanently raising the corporate income tax rate by 1.5% on Canada's largest, most profitable banks and insurance companies, and we have introduced a recovery dividend of 15% on the excess profits of these institutions during the COVID pandemic. We have also implemented, effective September 1, a 10% luxury tax on private jets and luxury cars worth more than $100,000, and boats and yachts worth more than $250,000.

On the point of providing supports to Canadians, we have been doing so since we were elected in late 2015. We increased taxes on the top 1%. We reduced them on the middle class. We have increased the Canada workers benefit three times. We introduced the Canada child benefit. We introduced national child care.

We have been there for Canadians. We will continue to be there for Canadians moving forward.

[Lena Metlege Diab, Liberal, Halifax West, NS]

Mr. Speaker, it is always a privilege to rise here in the chamber on behalf of the good people of Halifax West, and especially today as we debate Bill C-31, an important and timely piece of legislation that would put money back into the pockets of some of the families that need it the most.

I am pleased to rise today to speak to Bill C-31 and talk about what the federal government is doing to make life more affordable for families across the country as quickly as possible.

Over the summer, I heard from many about the local challenges that global inflation has brought to my community. It just takes looking at the price of groceries at the supermarket to know why affordability is so top of mind for my constituents and for all Canadians.

Let us be clear from the get-go: Inflation is a problem for Canadians, but it is not a Canada problem. Countries around the world are living through the same difficult moment of high inflation, fuelled largely by Russia's barbaric war of choice, the still-present COVID-19 pandemic and supply chain disruptions. This is a fact, but it is not an excuse not to act to make things easier for Canadians. That is what we are doing with Bill C-31, taking steps that are practical, prudent and targeted, because we know inflation is hitting hard and we understand that not every household is feeling the pinch in the same way.

Let us acknowledge a simple truth: Lower-income households have to spend a higher proportion of their household income feeding the family. When prices at the grocery store increase, as we have seen, the relative hit to their family budget is going to be greater than for others. It is the reason we are introducing measures that are very intentionally designed to support those feeling the sting of inflation the most.

Bill C-31 would enact two important measures to address the cost of living: the Canada dental benefit and a one-time top-up to the Canadian housing benefit. Let me speak first about the Canada housing benefit.

The top-up we are proposing would deliver a $500 payment to 1.8 million renters who are struggling with the cost of housing. This more than doubles the government's budget 2022 commitment, reaching twice as many Canadians as initially promised. It would be available to applicants with an adjusted net income below $35,000 for families, or below $20,000 for individuals, who pay at least 30% of their adjusted net income on rent.

In these thresholds, we see proof that our government's focus is squarely on helping those facing the greatest hardship from the current moment. I think of the seniors on fixed incomes, the low-income students trying to keep on top of everything and the single parents. This top-up would put $500 in their pockets to keep food on the table and pay the rent and utilities. It is support that renters and families in my riding need now. I certainly hope we can move quickly with Bill C-31 so we can get the CRA application portal launched and relief into the hands of the people of Halifax West.

The bill before us would also provide for the Canada dental benefit, the first step in our work to establish a comprehensive national dental care program for families making less than $90,000 a year. The benefit would be provided to children under 12 who do not have access to dental insurance, starting this year. Direct payments totalling up to $1,300 per child under 12 over the next two years, which is $650 per annum, would be provided for dental care services. That is significant new money for families and it is also an acknowledgement that dental health, like mental health and prescriptions, cannot be separated from health care as if it is somehow different.

Let us remember how much this is needed. A third of Canadians currently do not have dental insurance. In 2018, more than one in five Canadians reported avoiding dental care because of the cost.

In inflationary times, it is not hard to imagine that even more uninsured Canadians may be putting off necessary and routine care to help with their family's bottom line. Half a million Canadian children stand to benefit from the Canada dental benefit, and it will not reduce other federal income-tested benefits that families rely on. This measure too is targeted to ensure we are investing our dollars in supporting those most in need.

That is why it is easy for me to support this bill. It is prudent, directed and builds upon the other parts of our affordability plan, namely the enhanced Canada workers benefit, reductions in child care fees, increases in old age security, the Canada child benefit, the doubling of the Canada student grant and many other supports. These are concrete and practical steps that leave more money in Canadians' pockets and protect their purchasing power.

There will certainly be more for us to do to make life more affordable, but the bill in front of us is a significant and timely step forward in that work.

I encourage my colleagues in the House of Commons to vote in favour of this bill.

I hope we can all support it and continue to look for solutions to the affordability challenges our constituents face.

[Rosemarie Falk, Conservative, Battlefords—Lloydminster, SK]

Mr. Speaker, my colleague across the way mentioned there is a lot more the government can do to increase affordability for Canadians. One thing I would suggest is abolishing the carbon tax, because it is a tax on the most basic of necessities, like food, home heating and fuel in vehicles to get from point A to point B.

There is one thing, though, that I want to mention. I received lots of calls in my office throughout the summer regarding passport delays. I definitely like decreased red tape and programs that are very effectively run.

Does the member believe that her government will be able to successfully and efficiently run a dental care program with little wait time, little red tape and quick service delivery?

[Lena Metlege Diab, Liberal, Halifax West, NS]

Mr. Speaker, red tape reduction is something I strongly believe in. Certainly, when I was a cabinet minister in my own province of Nova Scotia, we worked extremely hard on red tape reduction. In fact, we won provincially on that.

Right now, the implementation of the dental health plan we are talking about is targeted, and the government has been working extremely hard with the provinces and territories, but also with the CRA, in order to implement it effectively.

[Martin Champoux, Bloc, Drummond, QC]

Mr. Speaker, I need my colleague's opinion. My thoughts are along the same lines as my Conservative colleague who spoke earlier.

As we know, the government has been dealing with numerous issues related to existing programs such as passports, employment insurance and so on. Considering that anyone could have predicted how complicated it would be to get this new benefit or cheque to mesh with the programs already in place in some provinces and in Quebec, would it not have been simpler to finally agree to the unanimous request that Quebec and the provinces have been making for years now?

Would it not have been simpler to increase health transfers to the provinces so that they could apply the funding to a dental insurance program, if they so choose, or improve other health care services? Would it not have been simpler, in light of how complicated everything is right now, to do that rather than add another layer of complex management?

[Lena Metlege Diab, Liberal, Halifax West, NS]

Mr. Speaker, I somewhat agree with my colleague, but health care must be an immediate priority for all governments, provincial, territorial and federal. This will not stop the provinces and territories from investing in their own health care systems. The idea is to complement those provincial investments.

[Taylor Bachrach, NDP, Skeena—Bulkley Valley, BC]

Mr. Speaker, my colleague spoke about the cost of living and the government's approach to that. It is great to see the Liberals finally supporting our long efforts on dental care. What she did not address is anything to tackle the massive profits being made by oil and gas corporations, grocery giants and these other companies that are benefiting from this crisis that Canadians are facing right now.

The U.K. government, a Conservative government, saw this opportunity and put in place a 25% excess profit tax on the oil and gas companies in that country. That would go a long way toward providing the revenue to put back into Canadians' pockets and provide the kind of support Canadians need. Would she support that kind of initiative here in Canada?

[Lena Metlege Diab, Liberal, Halifax West, NS]

Mr. Speaker, I am getting all kinds of questions about so many topics. It is wonderful to be able to debate them all, but right now this bill is targeted at two very important issues. Those are issues that are deliberate, targeted and really help the people who need it the most right now. I am very pleased to know my colleague across the way is in full support of those benefits.

[Michael Barrett, Conservative, Leeds—Grenville—Thousand Islands and Rideau Lakes, ON]

Mr. Speaker, it is a pleasure to rise and be able to contribute to the debate we are having today on affordability. It is very timely, because Canadians are experiencing the result of the practices that this Liberal government has undertaken, which have really fuelled the inflationary fires that are burning across Canada. What we are experiencing is a made-in-Canada inflationary crisis. The more this Prime Minister spends, the more things cost. It has been referred to as “justinflation”.

The proposals that the government is bringing forward will not address this inflation and in fact are going to add to the inflationary pressures that Canadians are facing. Its inflationary deficits are driving up taxes and costs at the fastest rate in more than my lifetime. Year-over-year inflation is higher than it has been in 40 years.

For two years, Conservatives have been warning the Liberal government about the consequences of its actions and how much it would hurt Canadians, and it is hurting Canadians right across our country.

What we have heard from this government this week is not the announcement of a dental plan. We heard a plan that the Liberals have concocted that is going to satisfy part of the deal with their coalition partner in the NDP to keep them in power, to prop them up. It is another example of the Prime Minister's failure to meet his promises, all the while printing more cash and borrowing more money that is going to stoke inflation.

I would like to note for everyone following the debate and for hon. members in the House that dental care programs for low-income children exist in all provinces and territories, save for Manitoba and the Northwest Territories, in addition to the 70% of Canadians who already have coverage.

It is important that we look after the health care of Canadians, and they have been doing this thing in Canada for a long time, since before I was born, where health care was a provincial responsibility. It was solely the jurisdiction of provinces. If there is a plan to meet with the premiers to discuss health care and the Prime Minister wants to do that, the premiers will be delighted.

[An hon. member]

Oh, oh!

[Michael Varrett]

Mr. Speaker, I hear that the parliamentary secretary to the government House leader wants to contribute to the debate, and I hope that when he rises in questions and comments, he is prepared to tell the House and all Canadians that the Prime Minister is going to answer the call that the premiers have been making for two years to meet with them to discuss the state of health care in Canada.

Now, if the Right Hon. Prime Minister found his way to that meeting, he would hear that they are not looking for a dental care program. That is not what the provinces are asking for right now. However, if the Prime Minister is considering another line of work and interested in running to be a provincial premier, I am sure he can explore those job openings and see what is available. I hear that the Liberals' sister party in Ontario is looking for someone, so perhaps the member for Papineau could find a spot in Ontario.

However, this promise is only more inflationary spending. It is not a dental care program, and it is outside the jurisdiction of the federal government. The level of government that is responsible is not looking for the federal government to execute on it.

The Liberals have also talked about housing, which is so interesting, because Canadians could be confused. However, I think it might be intentional, that the government is looking to confuse them, because the Liberals love to talk about how much they have spent on housing.

No government has ever spent more on housing than this Liberal one, they will tell people. If we measured success by how much the Liberals spent and not by how many houses were built, they would be the international galactic champions of housing. Unfortunately, what we have seen is the doubling of house prices under the Liberals.

The result of that is that 30-year-olds are living in 400-square-foot apartments that they are paying $2,300 a month for, if they can find an apartment, and if not, they are living in mom or dad's basement and their dreams of home ownership are slipping away, if they have not been crushed already. In Vancouver, it is $2,600 a month for rent. In Toronto, it is $2,300 a month for rent.

Six in 10 Canadians will not qualify for what we will call the inflationary spending cheques. The few renters who see that $500 one-time boost, which represents less than a week of rent in the average housing unit in Toronto or Vancouver, are simply going to ask, “What is next?”

I am glad they are asking what is next. The Liberals have pumped more money into the economy, and they have created more inflation. That is what we have heard from big banks and from economists, that what they are doing is inflationary. It is going to diminish the value of the dollars that people earn, including those cheques that they just received, which will not go as far. Of course that does not speak to the fact that we are now going to have to pay interest on the money the Liberals borrowed to send those cheques that are going to diminish their spending power.

It is a terrible situation that the Liberals are perpetuating. There are solutions, and I look forward to sharing those with members as we move through this conversation today. What is it that we need to solve?

First, let us take a look at one of the major pain points that Canadians are feeling every month: food prices. Canadians are facing 10% food inflation right now. It is the fastest that it has gone up in over 40 years. What does that look like for the average Canadian family? It is between $1,200 and $2,000 more per year that they are spending on groceries. It is an extra $2,000 haircut that they are taking before they even spend a dollar.

These are some of the items this is having a dramatic effect on: butter is up 16.9%; eggs, 10.9%; fish, 10.4%; breads, 17.6%; pasta, 32%; fresh fruit, 13%; oranges, 18.5%; coffee, 14.2%, and the list goes on and on. Let them eat soup, some might say, but that is up 19.2%.

While Canadians are struggling just to put food on the table for their families, furnaces are clicking on across the country as we speak. As the mercury drops, people are going to look to heat up their homes. We live in one of the world's coldest climates. Heating is not a luxury here, just like for many folks in rural and remote communities, driving their car or truck is not a luxury. It is part of how they have to live, to get to work or to doctor's appointments, or to get groceries.

The carbon tax is punishing Canadians for behaviour that the government says is bad, should be discouraged and needs to be corrected. The Liberals are going to tell us, in their questions and comments, that members are forgetting about the money they send back.

The Parliamentary Budget Officer has already said that the claims the government makes that Canadians get more back than they pay in do not work. This is some kind of weird Ponzi scheme the government has cooked up, and it is just that, a scheme. Canadians are not getting more back than they pay in. They are worse off, and emissions continue to go up. Tree planting from the government has stayed the same. That is that it has not planted any, but it has promised to.

Canadians would expect that, when Canadians are feeling that pain of the carbon tax going up and the price of food going up, they could ask what else the government could do. It is going to increase taxes on paycheques in January of this coming year. There is no break in sight for Canadians, and the government members will say that it is not a tax.

Let us get real here. If it looks like a tax, sounds like a tax, and Canadians take home less money at the end of the month, then it is a tax. That is exactly what the Liberals are proposing for January 1.

[An hon. member]

Oh, oh!

[Michael Barrett, Conservative, Leeds—Grenville—Thousand Islands and Rideau Lakes, ON]

Mr. Speaker, I hear some excitement coming from those joining us from home. Canadians are rising up. We can hear in the House of Commons that they have had enough. They are at a breaking point with these prices. All the while, the job creators and the makers in our communities, not the takers but the makers, are the small businesses. We hear all the time that they are the backbone of our economy. I could not agree more. The Canadian Federation of Independent Business reports that one in six businesses are considering closing their doors and 62% of small businesses are still carrying debt from the pandemic.

We have this risky situation that the government has created and is perpetrating on Canadians where everything is more expensive. It is more expensive to do business, more expensive to feed one's family and more expensive to get to work. These hard times that have come do not need to be this way. However, following an election that was called in a very cynical move by the Prime Minister to exploit the divisions that had been created, there was a Parliament where a coalition needed to be cooked up so the government could stay in power. Therefore, Canadians are not seeing that real relief.

What does that look like? Seniors are having to delay their retirements. The home ownership we talked about is disappearing because people do not have any time to dream about home ownership. They are too busy trying to come up with the money to pay their $2,600-a-month rent. People are worried.

Conservatives are offering hope for Canadians, which is a big contrast to what they have seen from the government, particularly over the last year. We are going to focus on Canadians' paycheques and make sure they are able to take home that money they worked so hard to earn. We are going to focus on making sure taxes are not going up. It is not very difficult because we know that anyone who does not run a deficit in their home every month has to make choices about what they are able to put in their monthly budget. If we add something, we have to take something away. If the government is going to propose new spending, what is it going to stop doing so that it can afford it and so that Canadians can afford it?

I have heard a very interesting line from the government during the last two years. It is that it has taken on debt so that Canadians do not have to.

I do have some news: That debt is borne by Canadians. They will say interest rates have never been lower, but that is not the case. We now see interest rates that are marching on. It is not free money. Canadians are going to have to pick up the tab for it. We need the government to make sure Canadians can see a light at the end of the tunnel that promises some hope.

We are going to have to scrap the old way the government has been doing things. We are going to have to look at what it is that Canadians really need. They need to heat their homes, feed their families and dream they are going to be able to do better than the generation before them, but that is not what has been put on offer by the government.

Lower taxes are something I hope we can all agree on, as well as making sure that everyone can afford a home, not just spending a lot and calling that a housing plan. I would hope that is something we can all agree on.

We need to address the root cause of what is driving this inflation in Canada so that people are not experiencing this crushing inflation on the cost of their food. Let us say that next year global inflation starts to recede and is at 5%. They are still paying 5% more on the 10% that it went up the year before. It is time to stop the damage that is being done.

We hear often that it is a global phenomenon that they had no control over, but it is cold comfort to people across the country when the Liberals throw their hands up and say, “Well, it's pretty bad everywhere else. We're kind of better than the other guys.” Whether one lives in Victoria-by-the-Sea on Prince Edward Island, Victoria in British Columbia or on Victoria Island in Nunavut, that word salad will not fill bellies. It is getting a lot tougher to do that as food prices continue to march up. They need to see action, not excuses from the government. What is that action going to be? I really hope the plan is not just higher taxes. I really hope the plan is not to borrow more money to dump into a housing plan that is not building more homes. They are driving up the prices.

We are going to focus on Canadians. We are going to focus on their paycheques. We are going to focus on their dreams of home ownership. We are going to focus on their retirement because that is the dream that we all have. That is the dream that people have when they come to this country. We want to keep that dream alive. What the government is proposing today is not help. It is a distraction. It is just more for the government.

[An hon member]

Oh, oh!