Mr. Speaker, it is just like a Liberal to interrupt you when you are on a roll about some of the problems the government has.
The Liberals talk about the Small Business Loans Act. They talk about wanting to increase the problems for the banks and the lenders which will be left holding the bag. The government will be left holding the bag. The default rates are going to continue to increase because of Liberal policies. This whole philosophy is wrong-headed. It is Liberal wrong-headed thinking. It is not talking about allowing greater competition.
I know small business people in Calgary who, when they needed money to expand their business, did not go grovelling to the Small Business Loans Act or any of those types of places. To get entrepreneurial capital they went to the banks themselves, but they could not get it because of the conservative lending philosophies. That is the way banks operate. I understand that. Where did they go? They could not get it anywhere in this country. They went across the border to institutions in the United States because there was greater competition and less regulation. As a result, they got access to the capital they needed. That is a real solution that Liberals across the way are not talking about, greater competition and less regulation in banking. That would be a—