House of Commons Hansard #272 of the 44th Parliament, 1st Session. (The original version is on Parliament's site.) The word of the day was housing.

Topics

UkrainePetitionsRoutine Proceedings

5:35 p.m.

Liberal

Mark Gerretsen Liberal Kingston and the Islands, ON

Mr. Speaker, in all my time presenting petitions on behalf of Canadians, I have never been heckled by the Conservatives, but they are literally heckling me while I am trying to do so.

Canadians are asking that all parliamentarians immediately and swiftly pass Bill C-57, which would update the Canada-Ukraine Free Trade Agreement and assist Ukraine in rebuilding after it defeats the illegal invasion by Vladimir Putin.

I am happy to present this petition on behalf of Canadians. I am certain that many more will follow.

Employment InsurancePetitionsRoutine Proceedings

5:35 p.m.

Conservative

Rosemarie Falk Conservative Battlefords—Lloydminster, SK

Mr. Speaker, we know employment insurance maternity and parental benefits provide parents with critical financial support while they care for and bond with their children. Adoptive and intended parents are at a disadvantage under the current EI system, whereas all parents deserve equal access to parental leave benefits.

Bill C-318 would deliver equitable access to parental leave for adoptive and intended parents. The Speaker of the House has said that the passage of Bill C-318 needs a royal recommendation. Therefore, the signatories of this petition call upon the Government of Canada to support adoptive and intended parents by providing a royal recommendation for Bill C-318.

First Responders Tax CreditPetitionsRoutine Proceedings

5:35 p.m.

NDP

Alistair MacGregor NDP Cowichan—Malahat—Langford, BC

Mr. Speaker, I am pleased to rise today to present a petition on behalf of the amazing and hard-working volunteer fire departments in my riding, namely, those of Port Renfrew, Mesachie Lake, Honeymoon Bay, Lake Cowichan, Youbou, Sahtlam, North Cowichan, Duncan, Cowichan Bay, Mill Bay, Shawnigan Lake, Thetis Island, Malahat, Highlands and the City of Langford.

I am presenting this petition on their behalf because they recognize that volunteer firefighters account for 71% of Canada's total firefighting essential first responders. They also recognize that not only do these essential volunteers put their lives on the line and give their time, training and efforts to Canadians, but they also allow the cities and municipalities to keep property taxes lower than if paid services were required.

Therefore, the petitioners call on the Government of Canada to support Bill C-310 and enact amendments to the Income Tax Act in order to increase the amount of tax credits for volunteer firefighting and search and rescue volunteer services from $3,000 to $10,000.

OpioidsPetitionsRoutine Proceedings

5:40 p.m.

Green

Elizabeth May Green Saanich—Gulf Islands, BC

Mr. Speaker, I am honoured to rise today to present a petition on behalf of many constituents who are deeply concerned about the opioid crisis and the unacceptably high number of deaths. It is almost unbelievable that nearly 14,000 people have had opioid-related deaths since 2016. In particular, British Columbians are very concerned. A number of the founders of Moms Stop the Harm come from British Columbia and, indeed, from my riding on Pender Island.

The petitioners call for the government to, at long last, declare a public health emergency because of overdose deaths, or poisoning deaths, in Canada; to treat this as what it is, which is a health crisis, not a criminal justice crisis; to address the crisis in a comprehensive, multi-faceted way as one that involves issues of addiction, poverty, housing, health care, racial discrimination, economic inequality and instability; and listen to the advice of many experts, who say that drugs should be decriminalized in Canada.

National Urban ParkPetitionsRoutine Proceedings

January 31st, 2024 / 5:40 p.m.

Liberal

Lloyd Longfield Liberal Guelph, ON

Mr. Speaker, I am pleased to rise on behalf of my constituents in Guelph to present petition e-4593, with 3,191 signatures.

This petition is calling on Parks Canada to work with appropriate landowners, stakeholders, governments and first nations, Métis and Inuit people to create a national urban park on the site of Guelph's proposed Ontario reformatory heritage conservation district.

Children and FamiliesPetitionsRoutine Proceedings

5:40 p.m.

Conservative

Ziad Aboultaif Conservative Edmonton Manning, AB

Mr. Speaker, I am presenting e-petition 4595, which has hundreds of signatures. The petition says that parental alienation is the process through which a child becomes estranged from one parent as a result of the psychological manipulation of another parent. Statistics show that up to 25% of parents nationwide engage in this behaviour. Based on current research, over 22 million adults have been targets of parental alienation, and 3.9 million children have been alienated from one of their parents.

The undersigned parents, fathers and mothers, call upon the Prime Minister to enact laws that would make parental alienation a form of child abuse that is punishable in a criminal court of law. By supporting this petition, the government would ensure that alienated parents' voices are heard and, most importantly, that children are removed from abusive parental care.

First Responders Tax CreditPetitionsRoutine Proceedings

5:40 p.m.

NDP

Peter Julian NDP New Westminster—Burnaby, BC

Madam Speaker, I am pleased to present a petition signed by several dozen petitioners in British Columbia. They are raising concerns about the volunteer firefighter tax credit. As we know, with climate change, volunteer fire departments across the country are increasingly being called upon to intervene. That is over 70% of Canada's total firefighting essential first responders. The current tax code only gives the equivalent of just over $2 per hour for those volunteer firefighters who give so amply of their time.

The petitioners are calling upon the Government of Canada to support Bill C-310, which is in the name of my colleague from Courtenay—Alberni, and to enact amendments to subsections of the Income Tax Act, in order to increase the amount of the tax credit for volunteer firefighting and search and rescue volunteer services from the current $3,000 to $10,000. This will make a difference, and we certainly hope that the government will hear this petition and act accordingly.

HousingPetitionsRoutine Proceedings

5:40 p.m.

Green

Mike Morrice Green Kitchener Centre, ON

Madam Speaker, I rise to present a petition on behalf of folks who note that housing unaffordability and homelessness are twin national crises. They also note that the financialization of housing inflates Canadian real estate prices. They go on to note that corporations, a number of companies, pension funds and real estate investment trusts are rapidly buying up existing units and flipping them to market rate, renovicting folks. They call on the government to act to address these crises.

They have a number of recommendations. I will share just a few: prioritizing funding for non-profit and co-operative housing, redefining affordable housing using a formula that better reflects the economic reality of Canadians across the country, better regulating and controlling excess profiteering by corporate investors and REITs, and creating national standards to establish rent and vacancy controls.

Foreign AffairsPetitionsRoutine Proceedings

5:45 p.m.

Liberal

Chandra Arya Liberal Nepean, ON

Madam Speaker, the armed conflict in Sudan has cost over 12,000 lives as of today.

Over three million Sudanese people are currently internally displaced persons. About one million have fled as refugees to neighbouring countries. Over 40% to 45% of the Sudanese population is on the verge of catastrophic famine, and 80% of the hospitals have been destroyed.

Canadians, including the citizens of the Nepean riding, request that the Government of Canada take a more active role and engage with United Nations agencies and other friends and allies to impose sanctions and to bring this conflict to a halt through any means possible.

They also request that the Government of Canada provide more humanitarian assistance through UN agencies and other NGOs.

Public SafetyPetitionsRoutine Proceedings

5:45 p.m.

Conservative

Dan Mazier Conservative Dauphin—Swan River—Neepawa, MB

Madam Speaker, it is an honour to present a petition on behalf of constituents for the first time in 2024.

I rise for the 28th time on behalf of the people of Swan River, Manitoba, to present a petition on the rising rate of crime. The people of Swan River are upset that the NDP-Liberal government has stood by while their community is overwhelmed by crime.

Unfortunately, the Liberals respond to the people of Swan River and their petitions with the same copy-and-paste statements, but nothing changes. Rural communities such as Swan River are demanding a tough-on-crime approach from this federal government. They are calling for jail, not bail, for violent repeat offenders.

The people of Swan River demand that the Liberal government repeal its soft-on-crime policies, which directly threaten their livelihoods and their community.

I support the good people of Swan River.

Questions on the Order PaperRoutine Proceedings

5:45 p.m.

Winnipeg North Manitoba

Liberal

Kevin Lamoureux LiberalParliamentary Secretary to the Leader of the Government in the House of Commons

Madam Speaker, I would ask that all questions be allowed to stand at this time.

Questions on the Order PaperRoutine Proceedings

5:45 p.m.

NDP

The Assistant Deputy Speaker NDP Carol Hughes

Is that agreed?

Questions on the Order PaperRoutine Proceedings

5:45 p.m.

Some hon. members

Agreed.

Motions for PapersRoutine Proceedings

5:45 p.m.

Winnipeg North Manitoba

Liberal

Kevin Lamoureux LiberalParliamentary Secretary to the Leader of the Government in the House of Commons

Madam Speaker, I would ask that all notices of motions for the production of papers be allowed to stand at this time.

Motions for PapersRoutine Proceedings

5:45 p.m.

NDP

The Assistant Deputy Speaker NDP Carol Hughes

Is that agreed?

Motions for PapersRoutine Proceedings

5:45 p.m.

Some hon. members

Agreed.

The House resumed from January 30 consideration of the motion that Bill C-59, An Act to implement certain provisions of the fall economic statement tabled in Parliament on November 21, 2023 and certain provisions of the budget tabled in Parliament on March 28, 2023, be read the second time and referred to a committee, and of the amendment.

Fall Economic Statement Implementation Act, 2023Government Orders

5:45 p.m.

Liberal

Chandra Arya Liberal Nepean, ON

Madam Speaker, I rise to speak to Bill C-59, an act to implement certain provisions of the fall economic statement and certain provisions of the 2023 budget.

The last two years have not only tested our resilience but have also set the stage for an economic transformation, one that is responsible and forward-thinking. One million more Canadians are employed now compared to when the pandemic started. This remarkable recovery is not just a number. It represents families sustaining themselves and a nation moving forward.

Our unemployment rate at 5.8% is quite low by historical standards. After peaking at 8.2% in June 2022, the inflation rate is trending downward and was at 3.4% in December 2023. Wages have consistently outpaced inflation for many months, which is a trend that speaks volumes about our economic health.

On January 24, the Bank of Canada announced it would hold the key interest rate at 5%.

Governor Tiff Macklem said:

With overall demand in the economy no longer running ahead of supply, Governing Council's discussion of monetary policy is shifting from whether our policy rate is restrictive enough to restore price stability, to how long it needs to stay at the current level.

With softer growth this year, inflation rates in most advanced economies are expected to come down slowly, reaching central bank targets in 2025. As I have been saying for a long time, we can see the possibility of interest rate reversal starting mid-2024.

At the macro level, we are on the cusp of a new era, an era defined by rapid global changes particularly in how we address climate change. Today we stand at the brink of a global economic transformation driven by the shift to a clean economy. This is not just a change; it is an unprecedented investment opportunity. The transition to renewable energy, sustainable practices and green technologies is reshaping markets worldwide and unlocking new avenues for economic growth and innovation.

By 2030, the global market for clean technologies is projected to exceed trillions of dollars, offering vast potential for countries and investors that are proactive in this space. This shift promises not only environmental benefits but also substantial economic gains, with millions of new jobs expected. Embracing this change means positioning ourselves at the forefront of a green economic revolution, attracting international investment and establishing global leadership in a rapidly evolving market. This is an opportunity we cannot afford to miss.

As we pivot toward renewable energy sources, electric vehicles and energy-efficient technologies, we are tapping into a market that is rapidly expanding globally. On renewable energy, as we look toward the next decade, the global economic potential of renewable energy is immense and transformative.

According to the International Renewable Energy Agency, renewable energy could account for around 60% of the world's power by 2030, which is up from about 25% in recent years. This shift represents an investment opportunity of up to $10 trillion by 2050.

For Canada, the prospects are equally promising. The Canadian Renewable Energy Association predicts significant growth, with renewable energy potentially contributing up to 40% of Canada's electricity by 2030. This transition, which aligns with Canada's commitment to a net-zero economy by 2050, could stimulate billions in investment and create thousands of jobs, which would position Canada as a leader in the renewable energy sector.

This transition is expected to create millions of jobs worldwide, offering diverse opportunities in sectors like manufacturing, technology and services. Moreover, investing in a clean economy positions Canada as a leader in green technology, attracting global investment and fostering economic resilience.

As we embark on this journey, we are not just safeguarding our involvement but also fuelling a dynamic, future-oriented economy. Our economic plan is not just a response to this global shift but a proactive strategy to ensure that Canadian workers and businesses are not just participants but leaders in the clean economy.

Our plan is not just a blueprint; it is already yielding tangible results. In just over three years, we have initiated more than 90 clean-growth projects worth over $40 billion, including private investments. These projects span across Canada, bringing economic growth to every region and offering quality jobs to the middle class.

The world has taken notice of Canada's potential. The OECD ranking, which places Canada third globally for foreign direct investment in the first half of 2023, is a clear indicator of our competitive advantage. We have what it takes to thrive in the 21st century's clean economies from our rich natural resources, like critical minerals, to our competency in research and innovation, to our skilled and diverse workforce.

Our stable political and economic institutions further cement our position as a prime destination for global business. Canada's clean economy jobs plan is more than a policy. It is a commitment to leveraging our unique advantages. It is about attracting investment and creating jobs across the country, ensuring that every Canadian benefits from this economic shift.

I want to highlight a cornerstone of Canada's future: our critical minerals strategy. The demand for critical minerals, essential for low-carbon technologies, is set to skyrocket. Canada, a global leader in mining, is rich in these minerals. Our mining sector, with a presence in nearly 100 countries and a market capitalization of over $500 billion, is not just an economic powerhouse; it is a testament to our sustainable and responsible approach to resource management. Our critical minerals strategy is more than just an economic plan. It is a vision for sustainable growth and innovation.

Canada is uniquely positioned with abundant resources in critical minerals like lithium, cobalt and nickel; elements essential for the clean energy transition. Our approach is twofold: sustainable extraction and global leadership in supply chains for technologies like electric vehicles and renewable energy. We are not just extracting minerals; we are building partnerships, ensuring environmental stewardship and creating high-quality jobs. This strategy is an integral part of Canada's commitment to a greener future and economic resilience.

We are leveraging our natural wealth responsibly, ensuring that Canada plays a pivotal role in the global low-carbon economy. One of our most ambitious goals is building Canada's electric vehicle battery supply chain. The next decade heralds a transformative era for electric vehicles, marking a significant shift in both global and Canadian economies. According to BloombergNEF, the electric vehicle market is projected to grow to 54 million vehicles globally by 2040, up from three million in 2020. This surge represents a potential market value of $2 trillion.

In Canada, with government commitments to ban sales of new gasoline-powered cars by 2035, the electric vehicle market is expected to expand exponentially. As per Statistics Canada, the shift could generate over $3 billion in electric vehicle sales by 2026, stimulating job creation and technological innovation.

This electrifying transition not only signals a green future but also an economic catalyst for sustainable growth. As the world moves toward electric vehicles, Canada is uniquely positioned to be a leader in this industry. Our skilled workforce and comprehensive supply chain, from mineral extraction to battery manufacturing, set us apart.

To support this growth, the federal government has secured significant investments in the electric vehicle and battery supply chain. These investments, totalling over $34 billion since 2020, are not just about economic growth, they are about securing the future for Canada's auto supply chain workers and their families.

Major projects like Volkswagen and Stellantis-LG Energy Solution in Ontario, and Northvolt in Quebec, represent a new era for Canada's electric vehicle industry.

Fall Economic Statement Implementation Act, 2023Government Orders

6 p.m.

Winnipeg North Manitoba

Liberal

Kevin Lamoureux LiberalParliamentary Secretary to the Leader of the Government in the House of Commons

Madam Speaker, the fall economic statement is a continuation of government budgets and policies from the past that reinforce the importance of Canada's middle class and those aspiring to be a part of it, and build in many support programs to assist individuals in many different ways, whether it is the Canada child benefit or the dental care benefit.

I am wondering if my colleague could provide his thoughts in regard to why it is so important that we move forward with a dental plan.

Fall Economic Statement Implementation Act, 2023Government Orders

6 p.m.

Liberal

Chandra Arya Liberal Nepean, ON

Madam Speaker, as government, we have taken so many measures over the last eight years and more to encourage more Canadians to participate in economic activity. For example, there is the Canada child benefit, the early learning and child care program. These help to improve women's participation in the economic workforce.

The recent dental care benefit ensures the health of many low-income Canadians and the senior citizens of our country. It contributes to the economic health of Canada.

Fall Economic Statement Implementation Act, 2023Government Orders

6 p.m.

Bloc

Nathalie Sinclair-Desgagné Bloc Terrebonne, QC

Madam Speaker, my colleague spent most of his speech talking about the fact that Canada should be a world leader in building a low-carbon economy.

Unfortunately, this economic statement's proposed approach to reducing Canada's carbon emissions is very weak. Canada is the laughingstock of the G7 due to its low environmental ambitions and, worse, poor environmental performance.

The question I have for my colleague deals with housing. In the economic statement there is an entire chapter on housing, and yet it contains nothing of substance, except for the part on cutting the GST, but we know that is not going to do much to solve the housing crisis.

What can this economic statement do? When will the government understand that there is an urgency to build affordable and social housing?

Fall Economic Statement Implementation Act, 2023Government Orders

6 p.m.

Liberal

Chandra Arya Liberal Nepean, ON

Madam Speaker, one of the reasons I entered politics is one of the three objectives.

The first objective was affordable housing. I am so glad that our government has not only made the commitment but has actually put dollars behind that commitment. Housing is not just a federal issue. Basically, housing comes from the supply that is controlled by the city. The provinces have a very major role in housing.

Where possible and where applicable, the federal government has stepped in, backed by the funding that is available. When somebody asks me about affordable housing, I ask them, “Where is the proposal?” There is money in the bank to fund affordable housing units to be built across Canada.

Also, the federal government is sending agreements directly to the municipalities across Canada. We are providing incentives through funding to make changes at the local level that would enable an increase in the housing supply.

Fall Economic Statement Implementation Act, 2023Government Orders

6 p.m.

NDP

Alistair MacGregor NDP Cowichan—Malahat—Langford, BC

Madam Speaker, related to the economic measures in this bill, it is no secret that the massive profits we are seeing in some corporate sectors and the high food price inflation Canadians are facing are directly linked. We have heard the Minister of Industry express many times in the House and out in the public that he is disappointed with grocery CEOs who have seen their profits and profit margins double since 2019.

I would just like to know when the Liberal Party is going to get serious on this, tackle the corporate greed and make sure that food prices start to go down for Canadians so they can afford to feed their families.

Fall Economic Statement Implementation Act, 2023Government Orders

6 p.m.

Liberal

Chandra Arya Liberal Nepean, ON

Madam Speaker, the inflation rate that peaked in June 2022 at 8.2% has come down to 3.4% as of December 2023. The grocery prices have started slowly coming down, but not to the extent that is comfortable for most Canadians. I expect that in the coming months, the general, overall inflation, including the prices at the grocery stores, will come down, and the pain being faced by Canadians will be addressed.

Fall Economic Statement Implementation Act, 2023Government Orders

6:05 p.m.

Conservative

John Brassard Conservative Barrie—Innisfil, ON

Madam Speaker, I am glad to rise on behalf of the residents and businesses of Barrie—Innisfil to speak to Bill C-59, the fall economic statement.

When my four kids were growing up, there was a TV show with Barney, the purple dinosaur, and the lyrics of one of its famous songs went:

If all the raindrops were lemon drops and gumdrops
Oh, what a rain that would be!

If we were to listen to the Liberals debating the fall economic statement, or anything to do with their economic policy, we would think that Canadians had never had it any better and that things are rosy across the land. I can tell members that, after spending the last six weeks in Barrie—Innisfil speaking to residents and businesses, things are dire right now. They are dire for many reasons for a lot of families, and I will focus on what I heard from my residents and the businesses of Barrie—Innisfil over the last six weeks. In fact, I have been hearing from them for a long time because many of the economic policies that the government has implemented have disproportionately affected Barrie—Innisfil residents and businesses in a way that many may never recover from.

The first thing I will focus on is the carbon tax. We live an hour north of Toronto and do not have access to mass transit like they do in the city of Toronto. We have a Barrie transit system and a GO transit system that gets us where we need to go for special events in Toronto, for example, or from point A to point B in Barrie. However, the difficulty for many people who live in Barrie is that they drive, so they are being impacted by the cost of the carbon tax on their gas bills as they go to work, visit family and take their kids to hockey.

In many cases, hockey does not just happen in Barrie, but all over Ontario. I know that first-hand from having two kids who played AAA hockey. My wife and I often talk about the circumstance where she would be in Belleville and I would be in Peterborough, separately, each with one of our kids playing hockey, and the impact the carbon tax would have had on us as a family at that time. We could barely afford to put our kids in hockey then. I cannot imagine what families are going through right now having to pay the carbon tax on their fuel and everything else, such as heating, whether that is residential or for a business.

I had a bill sent to me today from a local business owner, who runs a restaurant, and his carbon tax, just last month, was $1,431. Members can assume for a second that this restaurant works off of 10% margins. They would have to sell an extra 14,000 dollars' worth of goods or services just to pay for the carbon tax. The fact is that the carbon tax is going to quadruple, so they would have to pay more. Certainly, the business would not get any of that back in a rebate.

Many families are showing me their gas bills, as I have asked them to, and they are saying the same thing, which is that they are not getting back in total what they are paying for gas, for natural gas or for groceries. They are not getting back from the carbon rebate, as the government claims, an equal amount to what they are paying in the carbon tax. In fact, the Parliamentary Budget Officer spoke about exactly that. Many more families are getting less back in the rebate than they are paying in carbon tax, and it is disproportionately affecting low-income Canadians. Many of them are in my riding of Barrie—Innisfil.

I have, as we all have, sent out newsletters and mailers, and we have the ability to ask a question on the back of a mailer. There has been no other issue that I received more responses on than the issue of the carbon tax. The question was simple: Do you support the carbon tax?

I can say that, out of the hundreds of responses I got back from Barrie—Innisfil residents and businesses, 82.5% said that they do not support the carbon tax, 15% said they did, and 2.5% had no response. This was out of the hundreds of responses that were sent back. Also, there was an option to give comments, and here are some of the responses:

“What are they doing with the tax?” asked D.B. in Barrie. Another said, “I would be interested about what improvement our carbon tax collected has made on the climate change so far.”

We have already heard, through various reports, that our emissions have not been reduced significantly, save and except during COVID. That stands to reason because nobody was driving or doing anything at that time. The economy was effectively shut down.

We need to do much more to stop climate change, but I do not believe that the carbon tax in Canada is doing anything to change it.

H. H. in Innisfil wrote, “The carbon tax on home heating is unfair”, while another said, “Don't believe it effectively encourages less fuel consumption”.

D. Morrison from Barrie wrote, “The Government has no idea what goes on in the real country for the average person.” Another constituent wrote, “I pay 62% of my pension in tax. It is obvious to me that this money is not being spent in my best interest”.

Now we hear that the government, because it feels that it has a narrative problem with respect to the carbon tax, is effectively going to try to put lipstick on a pig. It is going to change that narrative. It is going to try to advertise it in a way that more people understand it.

I can tell members that people do understand. They understand when they see their gas bill, go to the grocery store and put gas in their car that the carbon tax is costing them more. When we tax the farmer who produces the food, the shipper who moves the food, the producers and wholesalers who look after the food for distribution and the grocery stores, who ends up paying more? It is the consumer. How bad is it in this country? There are two million people using food banks.

I had an opportunity last week to visit the Barrie Food Bank. It told me that its utilization was 150% greater in December than it was the December before. It is seeing people using the food bank like it has never seen before. It is multi-generational as well. Families are coming in utilizing the food bank as though it were a grocery store because they cannot afford to buy food.

I was also at the Innisfil food bank. What precipitated my visit, in addition to donating $1,312.50 as a result of some fundraising that we did specifically for the food bank, was an email from its director, who wrote:

I finished the yearly report for the Innisfil Food Bank so am sharing some of the stats here. We have seen an overall increase of 29% over the course of the year. The majority (43%) of our visitors attended the food bank between 2 and 5 times this past year. 24% of our clients came 6-12 times/year. Our busiest months were October (our highest ever) and January (which is pretty standard). Over 55% of our people are supporting dependants.

The food bank's increase is consistent, or even less, than what we are seeing across the country, and there again is that multi-generational use. The email continues:

We are seeing an increase in multi-generational homes. This means that someone is supporting both children and parents or grandparents are supporting their own kids but also their grandkids.

This is in a G7 country where we are supposed to have abundance, where people are not just simply supposed to scrape by, but have the dignity of work, producing a paycheque and providing for their family. That is sadly not happening.

What we have seen with this fall economic statement is the government commit to another $20 billion in spending with no fiscal guardrails. We have debt and deficit increasing like we have never seen before in this country. Interest rates are continually at a level where they become unaffordable.

The other thing I heard about was the impact of mortgage rates and how it is affecting Barrie—Innisfil homeowners.

I was doing the Salvation Army kettle in Stroud. I had a self-employed person come up to me who said their bank would not provide them with a mortgage. That person had to go to a secondary lender, not at 4% or 5%, but at 9%, and will be at risk of losing their home. Mortgages are up for renewal for 900,000 homes in this country over the next three years, and as a result of the fiscal policy of the government, many are at risk.

Conservatives are going to be focused on four things in this session of Parliament: axing the tax; building homes; making sure we help the government fix the budget, with suggestions that are going to do that; and stopping crime. There is only one alternative to govern in this country, and that is Canada's Conservatives, so we can have common sense for everyone and restore common sense and decency for people in this country.