I apologize. Mr. Speaker, we have to get more bang for our buck. Mr. Speaker, it is no good if this government increases its revenue by 15 or 20 per cent but continues to spend 30 or 40 per cent more than we take. This will mean doing government differently and I had hoped that this would have come up in the Budget Address. We will also have to look at the total expenditures of this government for cost-effective spending for the results we expect. Our senior employees have been through the days of largesse but, Mr. Speaker, they will also have to change their mindset as these are different times.

Mr. Speaker, the announcement by Mr. Todd about community wellness and community empowerment was well taken. But using the community empowerment example, I hope that we do not dump programs and responsibilities onto communities and then withdraw our monetary commitments because we are being cut fiscally.

Mr. Speaker, I also have some concerns with the announced Mortgage Investment Corporation. After having time to speak to commercial lenders in the residential markets, I feel that the MIC may not be justified and I will be looking for more detail from the Minister.