Yes—but still gets overwhelmed by these long forms and all these things that you have to fill out. Wouldn’t it be wonderful if you called and a human answered the phone, and it was for a government service, and you actually could speak to someone?

That is something I’ve put out there as something for the government to think about, that when we’re actually implementing things, to be thinking about the human side: How do people find solutions? What’s the easiest for them without people feeling overwhelmed? Because the other thing I’ve seen in this particular home is that people often just kind of shrug their hands and say, “Oh, well. I can’t do anything about it,” when, in fact, there probably is something they could do but they don’t know where to reach out for that.

I do have concerns about shifting everything into regulations, and my example for that is ODSP, where there are 800 regulations. There’s a regulation in there that says if you live with somebody else, your money will be clawed back. In other words, the money that is there is not to support you with your disability. As soon as you live with somebody else, you start to lose that support.

Now, I think if the people of Ontario actually knew that that was in the regulations, they would reject it, because I think it’s a human rights violation. The problem is, you put so many things into regulations, there’s not the kind of scrutiny that needs to be there, and it does put an enormous amount of power into the minister and the ministry. Again, it doesn’t have that level of scrutiny.

Again, to mention the ODSP situation, no other person is denied the ability to pool their resources with someone else, but if you’re poor and you’re disabled, you are not allowed to pool your resources with somebody else. That just shouldn’t be. So that’s fair warning that things happen in regulations that don’t come under scrutiny but have a very, very serious impact on people’s lives.

I’m quite interested and, frankly, very happy to see changes to time-share contracts. I’m of an age when people were really excited about time-shares. It seemed like this great deal, and you were going to be able to go and visit these places. Of course, much later, in the fine print, it said you’re obliged to keep them for 50 years and your children will inherit the debt—you’re going to have to keep paying and paying forever.

I see that there are some ways of ending those contracts, but I also see that there’s a termination fee and other requirements, and I’m just hoping that when this gets to committee, that could be looked at more closely, to look at the specifics. I have been looking at time-share contracts, and it seems to me that, first of all, they’re hard to get out of, but that the termination fees could be very, very high and disproportionate to what actually should be there. So it’s my hope that that comes up in committee.

The thing—and it has been mentioned before—that does worry me is that there are no provisions in here for price gouging, where collusion is taking place in industries. We know that in the grocery industry there are very few players, and they have made a practice of colluding with each other, and they’ve been caught once or twice. I remember when we got these little $25 gift certificates to make up for everything that we’d overpaid in bread. I also remember when people on ODSP and people in food banks were saying, “Would you mind donating those $25 vouchers, because people really need help.” It’s another reminder of how many people are struggling—that was quite a few years ago, as well—but it’s also a reminder of how common it is for collusion to take place when there’s really minimal competition amongst those industries.

Finally, the concern about new homes and the lack of proper oversight by Tarion—and I think we’ve been hearing these concerns for quite a few years. We’ve all been hearing horror stories about people losing buckets and buckets of money and never actually getting the home that they’d been promised—or they get the home and it’s so poorly built that they can’t live in it. So I do think that Tarion needs to be looked at vary critically, to make sure that it’s not industry insiders who are populating that organization. It needs to be people who don’t have any kind of vested interest—they’re not friends here, friends there. It needs to be a group of people who can think like consumers, who can think like first-time homebuyers, and can protect people from some pretty awful things that we’ve seen going on over the last few years.

I want to thank everyone for the opportunity to speak to this bill. I’m happy to take any questions.