The Blueprint: Canada's Conservative Podcast - Trudeau is making life more unaffordable for Canadians

00:00:00.000 You're listening to The Blueprint, Canada's Conservative Podcast.

00:00:07.340 The cost of living keeps going up, deficits keep going up,

00:00:11.120 and he has to raise taxes to pay for his out-of-control spending.

00:00:15.880 Talk is cheap, except when this finance minister does it.

00:00:19.220 It's very expensive.

00:00:21.980 It's the fact that he punished two strong women for doing the right thing 0.99

00:00:26.500 while he moved hell and high water to protect his buddies at SNC-Lavalin

00:00:31.580 from facing a day in court.

00:00:41.340 This is The Blueprint, Canada's Conservative Podcast.

00:00:44.360 I'm your host, Jamie Schmael, Member of Parliament for Halliburton Corthalikes Brock.

00:00:48.140 Our topic this week is affordability.

00:00:51.640 Welcome to The Blueprint, Canada's Conservative Podcast.

00:00:54.260 With me is Kelly McCauley, the Member of Parliament for Edmonton West,

00:00:58.220 home of the Edmonton Mall.

00:00:59.600 Also Tom Kamich, he's the Member of Parliament for Calgary Shepherd.

00:01:03.480 Two Albertans here today, and one Ontarian.

00:01:05.940 Thank you, gentlemen, for joining us.

00:01:07.640 Our topic today, and it's a long one, so let's get right into it.

00:01:11.160 Affordability.

00:01:11.740 That seems to be a topic we're hearing a lot about.

00:01:14.660 Just general Canadians trying to get by with less.

00:01:18.300 Tom, I know you are heavily into this topic,

00:01:21.260 especially on the housing side and elsewhere.

00:01:24.720 Maybe you can tell us a bit about how the CMHC,

00:01:28.700 how the government claims they're helping first-time homebuyers

00:01:31.640 and people trying to continue on in the housing market.

00:01:34.800 That's a long topic.

00:01:35.620 Maybe I'll just leave that to you, and you can tell us a bit about that.

00:01:38.720 Yeah, Jamie, that's a lot to chew off.

00:01:41.400 The basics of what I tell people is back in 2015,

00:01:44.660 you had a pretty good real estate market going,

00:01:47.200 and people were making judicious decisions about how much down payment they needed,

00:01:52.180 the type of hope they wanted to do, and everything was within reach.

00:01:55.220 You could actually buy the type of home that you wanted,

00:01:59.120 maybe not necessarily the one you needed.

00:02:00.680 So maybe you'd give up an extra room or you'd make some adjustments,

00:02:03.540 but it was still manageable.

00:02:05.600 Today, in 2019, that's not possible anymore for a lot of first-time homebuyers,

00:02:10.760 and especially young people, millennials, iGens,

00:02:13.320 whatever you want to call that generation that's following the millennials,

00:02:15.760 are being priced out of the market, partially,

00:02:18.940 but successive decisions by the federal government have basically pushed them out,

00:02:23.220 and we're going to have a nation of renters,

00:02:25.160 kind of like a neo-feudal state of affairs

00:02:27.560 where the entire generation coming after us,

00:02:30.660 all they can expect to do is to rent.

00:02:32.980 You've had a series of rate hikes

00:02:35.060 and a very damaging decision by the liberal government

00:02:38.960 to introduce the B-20 rule changes.

00:02:41.420 And just to make it super simple for people at home,

00:02:43.400 it's a stress test on your mortgage,

00:02:45.360 and it adds 2% that you have to qualify for

00:02:48.620 on an insured mortgage that is fixed.

00:02:51.300 Fixed five-year term,

00:02:52.620 let's say you get a good deal,

00:02:53.720 you negotiate with your bank because you're responsible,

00:02:56.440 they offer you 2.99, 3%,

00:02:58.480 you've got to pass it as if it's 5%,

00:03:00.540 totally ignoring the fact that your income

00:03:03.000 is likely going to rise in the next five years,

00:03:05.280 and your interest rate is not going to rise

00:03:07.280 because you've got a fixed-rate mortgage.

00:03:08.720 That's why you did that.

00:03:09.800 So it's a bad policy decision.

00:03:12.300 It's priced about 100,000 people out of the market so far,

00:03:16.180 and it's cost the Canadian economy

00:03:19.440 about 200,000 construction jobs from here until 2021.

00:03:24.240 Now, how are you seeing this in Calgary?

00:03:25.900 Obviously, you have your own set of challenges

00:03:28.500 somewhat unique to different parts of Canada.

00:03:30.500 How is that affecting your constituency?

00:03:34.000 And I think, Kelly, you might be able to add something too.

00:03:36.580 So yeah, in Calgary,

00:03:37.540 I can give you the Calgary experience.

00:03:38.860 It's prices are down about 3% to 4%,

00:03:41.260 and that has a huge impact on the city

00:03:44.200 with the highest unemployment rate in Canada right now,

00:03:46.980 the highest underemployment rate in Canada right now.

00:03:49.820 People have lost their homes.

00:03:51.580 They've burned through their severances.

00:03:53.520 They're still waiting on the oil and gas sector

00:03:55.280 to bounce back,

00:03:56.140 and that's not happening

00:03:56.920 because the Liberals are obstructing

00:03:58.500 the construction of new pipelines.

00:04:00.500 They're also obstructing

00:04:01.480 the construction of the pipeline that they own,

00:04:03.840 which is even weirder if you're from Calgary.

00:04:05.920 And the next part is,

00:04:07.940 if prices keep sliding,

00:04:09.680 it's a disincentive to sell your home.

00:04:11.700 If I'm not selling my home,

00:04:13.140 you're not buying my home.

00:04:14.520 And so that natural movement doesn't happen.

00:04:17.080 If my mortgage and the value of my house,

00:04:19.740 I'm underwater,

00:04:20.460 and I'm going to lose all the equity I put in,

00:04:22.380 I have no reason to sell.

00:04:23.680 It's better to stay in the home.

00:04:25.200 And that's the situation a lot of Calgarians find themselves in.

00:04:28.040 Absolutely.

00:04:28.580 Are you finding the same thing in Edmonton?

00:04:29.820 We've got a very similar situation in Edmonton

00:04:33.240 as we do in Calgary.

00:04:34.960 You know,

00:04:35.100 high unemployment caused by the Liberal policies.

00:04:38.040 And the whole issue with the housing market,

00:04:40.120 it's a self-inflicted wound

00:04:41.700 inflicted on average Canadians

00:04:43.820 by this Liberal government.

00:04:45.900 People cannot,

00:04:47.780 you know,

00:04:47.980 they can afford to buy a house,

00:04:49.680 but they can't qualify.

00:04:51.200 It's pushing housing prices down.

00:04:53.460 People are trying to get out of their homes

00:04:54.980 because they're in a situation

00:04:56.180 where they're unemployed

00:04:57.040 or suffering from the downturn in the economy

00:05:00.900 cannot sell the house.

00:05:03.220 Average price of the house is dropping.

00:05:05.260 Mortgages are underwater.

00:05:07.120 They owe more than the house is worth.

00:05:09.420 Comes time to renew their mortgage.

00:05:13.860 They're stuck with their own bank

00:05:15.780 because they can't shop around

00:05:16.940 because of the B20 rule.

00:05:18.840 Banks are taking advantage of them,

00:05:20.700 charging them higher interest rates.

00:05:22.440 It's a vicious circle.

00:05:24.140 Absolutely.

00:05:24.640 And you talked about renters.

00:05:25.500 Here in Ontario specifically,

00:05:28.240 the former Liberal government

00:05:29.580 under Kathleen Wynne

00:05:30.500 changed the Landlord-Tenant Act,

00:05:32.720 basically skewing it so far

00:05:35.080 on the side of the tenants

00:05:37.860 that no new rental units

00:05:40.020 are coming on the market,

00:05:40.980 which if you just use

00:05:41.900 supply and demand economics,

00:05:43.920 which is basically how everything works,

00:05:46.280 you are raising the prices

00:05:48.380 of even the worst units

00:05:50.320 and the bad actors have no incentive.

00:05:52.600 Even here in Ottawa,

00:05:53.920 the vacancy rate is extremely low

00:05:56.660 and causing rents to go up

00:05:59.340 and again going into the affordability side of it.

00:06:03.700 You've hit it right on the head.

00:06:05.080 It's always a series of decisions

00:06:07.000 that governments make.

00:06:08.360 Sometimes you have two levels of government.

00:06:10.100 So on the issue of affordability,

00:06:12.040 making life easier for people

00:06:13.260 to make ends meet at the end of the month,

00:06:15.360 the combination of Kathleen Wynne

00:06:17.340 with Justin Trudeau

00:06:18.760 between Queen's Park in Toronto

00:06:20.700 and here in the federal parliament in Ottawa

00:06:22.760 has been devastating for most families

00:06:24.880 in terms of affording the house

00:06:26.680 you want to build it.

00:06:27.420 And we heard from the

00:06:28.600 Ontario Real Estate Association

00:06:30.560 that the series of decisions made

00:06:34.120 by previous governments

00:06:35.060 have raised the cost

00:06:36.540 of building a unit of housing

00:06:38.180 in the Toronto area

00:06:39.280 by $100,000.

00:06:41.360 That's not even like

00:06:42.660 the cost of closing

00:06:43.800 and selling the home

00:06:44.800 and advertising it

00:06:45.860 and people purchasing it

00:06:47.240 and the land transfer taxes.

00:06:49.200 So homeowners of any sort,

00:06:51.300 first time young people,

00:06:52.580 people who are downsizing,

00:06:54.080 you're being nickel and dimed

00:06:55.220 every single way

00:06:56.060 courtesy of different levels

00:06:57.180 of government

00:06:57.640 which are trying to extract

00:06:59.540 a pound of flesh out of you

00:07:01.060 and it's just not fair.

00:07:02.600 And this can't continue forever

00:07:03.860 because our wages

00:07:04.780 aren't going up fast enough right now.

00:07:06.860 That's right.

00:07:07.200 And so Kelly,

00:07:08.900 when you are in Edmonton,

00:07:10.280 you must have roundtables,

00:07:11.280 you must be talking to people.

00:07:12.560 What are they saying

00:07:13.900 in the overall affordability?

00:07:15.420 How are they looking at this

00:07:17.060 on how to get out of it?

00:07:18.380 You just had a provincial election

00:07:19.800 and basically that campaign

00:07:21.500 was run on affordability,

00:07:23.560 was jobs.

00:07:24.920 Well, it's very much a job issue.

00:07:26.740 We have a saying that

00:07:27.620 every liberal policy has a victim

00:07:29.400 and what we're seeing is

00:07:31.540 every liberal policy,

00:07:33.380 whether it's trying to phase out

00:07:34.640 our oil sands,

00:07:35.680 increasing taxes,

00:07:38.380 cutting tax breaks for families

00:07:39.980 has a victim.

00:07:40.980 It's the everyday person

00:07:43.440 living in Edmonton

00:07:44.200 and the rest of Canada.

00:07:45.540 What we see with this government

00:07:46.840 because of their policies,

00:07:49.300 they're attacking our oil industry

00:07:51.520 but it's affecting

00:07:52.220 our housing industry as well.

00:07:53.620 It's one of our largest employers,

00:07:55.900 high-pay, skilled jobs.

00:07:57.740 They're being driven out of the city.

00:08:00.880 People cannot afford houses.

00:08:03.240 People cannot,

00:08:04.000 even if they can't afford it,

00:08:05.760 they don't qualify for the mortgage.

00:08:07.940 Edmonton recently,

00:08:09.420 the Alberta Treasury branch,

00:08:11.760 ATB,

00:08:12.240 announced that in January

00:08:13.420 we had the highest amount

00:08:14.620 of vacant homes

00:08:15.860 in Alberta or Edmonton history,

00:08:18.160 almost 2,000 homes

00:08:19.700 ready to be sold,

00:08:21.420 ready to be moved into.

00:08:23.340 They cannot sell

00:08:24.180 and that's a horrible knock-on effect

00:08:26.020 throughout the economy.

00:08:26.760 Absolutely.

00:08:27.140 People doing renovations,

00:08:31.800 the real estate market,

00:08:33.120 the banking market,

00:08:34.300 every unsold home

00:08:35.760 is a hit of about $50,000

00:08:37.920 to the local economy.

00:08:39.720 And I guess to Tom's point,

00:08:41.420 a series of bad decisions

00:08:42.940 made by provincial NDP government,

00:08:45.480 federal liberal government

00:08:46.620 is causing this.

00:08:49.020 Government policies and decisions

00:08:50.880 have consequences

00:08:51.900 and you're right.

00:08:52.900 There are victims

00:08:53.800 in these decisions

00:08:55.580 and it's absolutely hurting

00:08:57.140 the everyday person.

00:08:58.380 It's very much everything they do.

00:09:00.720 Cutting the TFSA,

00:09:02.680 the tax-free savings account,

00:09:03.940 in half

00:09:04.420 stops, prohibits young people

00:09:07.220 from being able to save

00:09:08.180 tax-free for a house.

00:09:10.300 Eliminating the income splitting

00:09:13.880 for parents,

00:09:15.000 again,

00:09:15.680 reduces affordability,

00:09:17.380 people's ability to save

00:09:18.560 for a house.

00:09:19.940 The B20 rule that Tom mentions

00:09:21.740 makes it more difficult

00:09:22.960 to qualify for a mortgage.

00:09:25.480 It hits every step of the way.

00:09:27.740 So the Liberals announced plans

00:09:29.040 in their budgets

00:09:29.680 to tinker with a few things

00:09:31.640 with the CMHC in particular.

00:09:33.380 Now, I know, Tom,

00:09:34.260 that gets you foaming

00:09:35.180 at the mouth here.

00:09:36.100 Maybe you can talk a bit about

00:09:38.720 some of the changes

00:09:39.760 they,

00:09:40.880 they being the Liberals,

00:09:42.460 think are going to help

00:09:43.520 not just first-time homebuyers,

00:09:44.900 but also people looking

00:09:46.080 to continue in the market.

00:09:48.000 So yes,

00:09:48.300 CMHC is my four-letter word

00:09:50.300 in my office.

00:09:51.680 And we,

00:09:52.480 so the Liberals have,

00:09:53.260 they've made a lot of decisions on it.

00:09:55.520 I'll give you a couple of examples.

00:09:57.180 The CEO of CMHC told us

00:09:59.100 that the Crown Corporation,

00:10:01.380 owned by all Canadians,

00:10:02.560 like we all have a stake in it

00:10:04.620 because it's owned by the government,

00:10:06.300 he told me

00:10:07.060 at a committee hearing

00:10:08.360 that they found out

00:10:09.820 they were going to manage

00:10:10.720 this new government program

00:10:11.960 of shared equity mortgages.

00:10:13.440 he told his board

00:10:14.660 the night of the budget.

00:10:16.460 Like,

00:10:16.820 if you run

00:10:17.420 a multi-billion dollar corporation,

00:10:19.280 you would think

00:10:19.920 that the board of directors

00:10:21.000 would be told

00:10:22.180 about a $1.25 billion program

00:10:24.780 they're taking on

00:10:25.700 a little bit earlier

00:10:26.780 than the night of the budget.

00:10:28.880 And then the math

00:10:29.500 doesn't make sense,

00:10:30.320 which is pretty typical

00:10:31.100 for the Liberals

00:10:31.780 when they promised

00:10:32.460 a billion dollar surplus

00:10:33.500 this year

00:10:34.100 and we have a

00:10:35.120 20-plus billion dollar

00:10:36.720 deficit instead.

00:10:38.120 And as the spread of that

00:10:39.420 is just ridiculous,

00:10:40.860 they promised $1.25 billion 0.82

00:10:42.640 for shared equity mortgages.

00:10:44.520 Government will take

00:10:45.120 a 5% stake in your home

00:10:46.700 to help you out

00:10:47.580 with the down payment.

00:10:48.740 Well,

00:10:49.100 the average price of a home

00:10:50.680 in Toronto

00:10:51.400 is $767,000.

00:10:53.840 Average price of a home

00:10:55.040 in Canada

00:10:55.760 is about $750,000.

00:10:58.860 If you just take those numbers

00:11:00.140 on that average

00:11:01.000 of what they would be estimating,

00:11:02.900 they think about

00:11:03.660 100,000 first-time homebuyers

00:11:05.780 will be helped

00:11:06.760 by this policy.

00:11:07.520 But the numbers

00:11:08.020 don't make sense.

00:11:08.900 My numbers come out

00:11:09.760 about $52,000 to $53,000.

00:11:11.920 When I've asked

00:11:12.660 the Canadian Real Estate Association,

00:11:14.300 when I've asked

00:11:14.720 the Ontario Real Estate Association,

00:11:16.440 others in the field,

00:11:17.520 how did you get

00:11:18.100 to the $100,000?

00:11:19.220 Because they're repeating

00:11:20.040 the number.

00:11:20.980 Everybody tells me

00:11:21.600 the same thing.

00:11:22.400 Oh, we're just following

00:11:23.220 what's said in the budget.

00:11:24.260 We're just following

00:11:24.780 what CMHC is telling us.

00:11:26.680 And CMHC can't tell me

00:11:28.260 how they get to the number,

00:11:29.620 but I can tell you

00:11:30.360 how they do.

00:11:31.280 Their average price

00:11:32.920 for a home

00:11:33.340 they're thinking

00:11:34.160 it could be

00:11:34.680 is $240,000.

00:11:35.860 You cannot buy a house

00:11:37.940 in Toronto,

00:11:39.040 in Calgary,

00:11:39.880 in Vancouver,

00:11:41.040 probably in Edmonton,

00:11:41.960 in many places.

00:11:43.140 Not from that.

00:11:43.800 All across the country,

00:11:44.700 those are not

00:11:45.400 the range of prices

00:11:46.760 that are made available.

00:11:48.200 And the CMHC

00:11:49.100 is also transferring

00:11:50.660 massive dividends

00:11:51.780 on a quarterly basis.

00:11:53.780 They have transferred

00:11:54.720 $5.675 billion

00:11:56.920 last year

00:11:58.000 to federal government coffers.

00:11:59.160 But that's never happened

00:11:59.860 before, correct?

00:12:00.980 That has not happened

00:12:01.660 in 20 plus years

00:12:02.760 of the Crown Corporation

00:12:03.800 operating in Canada.

00:12:05.560 It is basically a tax,

00:12:07.360 a hidden tax

00:12:08.100 on home buyers

00:12:09.200 and home owners.

00:12:10.540 And it's a really big deal.

00:12:11.980 It's a stealth tax

00:12:13.180 that the liberals

00:12:13.720 have introduced

00:12:14.500 on anybody

00:12:15.480 who has dreams

00:12:16.160 of home ownership.

00:12:17.000 And I'll give you a stat.

00:12:18.180 When the Canadian 0.96

00:12:18.920 Real Estate Association

00:12:19.860 put out a survey

00:12:20.580 just a few weeks ago,

00:12:21.420 they did,

00:12:22.240 over 80%

00:12:23.160 of new Canadians

00:12:24.360 and young people,

00:12:25.980 millennials,

00:12:26.880 still aspire

00:12:28.140 to home ownership.

00:12:29.740 60% of them,

00:12:31.040 of that 80,

00:12:32.300 are passionate about it.

00:12:34.580 All of them

00:12:35.080 are being priced

00:12:35.740 out of the market.

00:12:37.100 And every single group

00:12:38.320 and organization

00:12:39.200 in the field,

00:12:40.060 in the business

00:12:40.640 has told me the same thing.

00:12:42.660 B20 stress test

00:12:43.800 and its impact

00:12:44.640 is not offset

00:12:45.800 by anything

00:12:46.660 the liberals have proposed.

00:12:48.160 So the government meddled,

00:12:49.840 it messed up the market

00:12:50.940 and now it's meddling again.

00:12:52.680 A big government problem

00:12:54.100 deserves a big government solution

00:12:56.240 and the little guy

00:12:57.300 at the end of the day

00:12:57.940 is stuck putting the bill.

00:12:59.260 Well, the only solution

00:13:00.060 to a failed government program

00:13:01.300 is another government program.

00:13:02.400 That's right, yeah.

00:13:03.280 How else would you do it?

00:13:05.060 Exactly.

00:13:05.600 And it's just unbelievable

00:13:07.000 that this is what passes

00:13:08.260 for good public policy

00:13:09.680 in a place like this.

00:13:10.760 It took them four years

00:13:12.160 to brew this bizarre program

00:13:15.640 that, by the way,

00:13:16.540 failed in British Columbia

00:13:17.660 when they introduced it.

00:13:19.080 And in other parts of the world,

00:13:21.020 it is done.

00:13:21.900 There are shared equity mortgages

00:13:23.440 all across the world,

00:13:24.340 but they're done

00:13:24.680 by the private sector

00:13:25.720 with private money,

00:13:26.900 not taxpayer money.

00:13:28.380 Yeah, yeah, exactly.

00:13:29.880 So, Kelly,

00:13:30.840 we only have a little bit left here,

00:13:32.920 but maybe...

00:13:33.780 Tom's brought up some good points.

00:13:35.960 And to put it into context,

00:13:37.240 the money transferred

00:13:38.460 from CMHC,

00:13:40.180 which is basically

00:13:40.780 from taxpayers' pockets

00:13:42.220 over to the government,

00:13:43.400 is the equivalent

00:13:44.400 every year

00:13:45.220 of the carbon tax.

00:13:46.960 And imagine,

00:13:47.680 you know,

00:13:48.680 the outrage of Canadians

00:13:50.140 over the carbon tax,

00:13:52.560 $5.5 billion

00:13:53.640 taken right from Canadians' pockets 0.89

00:13:56.440 and taken by the government.

00:13:58.420 And it's not revenue neutral.

00:13:59.920 It is not revenue neutral.

00:14:01.700 100% not revenue neutral.

00:14:03.240 And we did a town hall recently,

00:14:05.280 and we were talking

00:14:06.600 with industry experts

00:14:07.860 from banking industry

00:14:09.620 and house builders,

00:14:11.020 and they all had the same comment

00:14:12.940 about this equity,

00:14:14.780 is would you want the government

00:14:16.540 owning a part of your house?

00:14:19.280 The biggest investment

00:14:20.160 you will make in your life.

00:14:21.760 You've seen how government operates,

00:14:24.320 the ineptness,

00:14:25.560 their inability

00:14:26.040 to get anything done,

00:14:27.120 and it's just the people

00:14:28.000 you want owning

00:14:29.040 a part of your life.

00:14:30.860 Well, it worked so well

00:14:31.260 in the Soviet Union.

00:14:32.840 Yes.

00:14:34.320 The same people

00:14:35.160 who brought you

00:14:35.560 to the Phoenix Bay system

00:14:36.720 are offering to help you

00:14:38.740 out with your house.

00:14:40.640 They'll tell you exactly

00:14:41.600 where you get to live

00:14:42.680 and what your unit looks like, right?

00:14:43.860 Very much.

00:14:44.520 And, you know,

00:14:44.900 we're going down that path.

00:14:46.160 They're talking about,

00:14:47.660 you know,

00:14:47.840 the government wants to direct

00:14:48.800 how you drive,

00:14:49.840 where you drive,

00:14:50.720 what you drive,

00:14:51.700 what you use your car for,

00:14:53.020 and how they want to

00:14:53.740 tell you about your house.

00:14:56.120 Absolutely.

00:14:57.040 Well, thank you so much,

00:14:58.020 gentlemen,

00:14:58.200 for coming by

00:14:58.860 and talking about affordability.

00:15:00.540 We had Kelly McCauley

00:15:01.420 from Edmonton,

00:15:02.860 West Edmonton,

00:15:03.520 Edmonton West.

00:15:04.080 Edmonton West,

00:15:04.640 home of the West Edmonton Mall.

00:15:06.740 And Tom Kamich,

00:15:08.140 Member of Parliament

00:15:08.700 for Calgary Shepherd.

00:15:10.660 Gentlemen,

00:15:11.020 thank you so much.

00:15:11.820 I'm your host,

00:15:12.360 Jamie Schmiel.

00:15:12.940 This is The Blueprint,

00:15:14.160 Canada's Conservative Podcast,

00:15:15.600 and remember,

00:15:16.560 low taxes,

00:15:17.140 less government,

00:15:18.460 more freedom.

00:15:19.520 That's The Blueprint.

00:15:26.420 Thank you for listening to The Blueprint,

00:15:28.280 Canada's Conservative Podcast.

00:15:31.000 To find more episodes,

00:15:32.460 interviews,

00:15:32.880 and in-depth discussions

00:15:33.820 of politics in Canada,

00:15:35.300 search for The Blueprint

00:15:36.160 on iTunes

00:15:36.820 or visit podcast.conservative.ca.

00:15:39.660 Thank you.

00:15:40.200 Thank you.

00:15:41.040 Thank you.

00:15:41.860 Thank you.

The Blueprint: Canada's Conservative Podcast - May 30, 2019

Trudeau is making life more unaffordable for Canadians

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