Transcript Highlights:

• We have not assumed any reductions in utilization of the hours associated with this proposal.
• Overall the new standard utility allowance is expected to increase benefits. Thank you. 21? 21.
• It's time-consuming. It's painful. The money arrives slowly.
• And my name is Jane Whiteford, and I am I'm seeking the California IHSS Consumer Alliance.
• All of these impact our consumers.

Keywords: 988, house, all

Transcript Highlights:

• This bill requires utilities across California to develop plans to deploy smart meters, which maximize
• It also bans mimic websites that mimic official platforms and confuse and trick consumers with terms
• It protects consumers. It supports fans and artists and the experiences that we all share.
• But ultimately, at the end of the day, it was my job to center consumers in this conversation.
• But ultimately, at the end of the day, it was my job to center consumers in this conversation.

Summary: The Assembly convened after a quorum call, offered a prayer and Pledge of Allegiance, and then spent much of the session on guest introductions recognizing visitors, community college delegations, students, caregivers, a retired Assembly staff member, and a championship high school football team. Members also observed an adjournment in memory for Alex Preddy, a VA nurse killed in Minnesota, and later for Kathy Wooten and Rowena Ramos. The chamber then moved through the daily file and third reading file, with several items passed, retained, or continued. Among the bills taken up, AB 34 on renewable portfolio standard exemptions for publicly owned utilities passed 55-0; AB 35 to accelerate implementation of Proposition 4 climate resilience funds passed 62-0; AB 52 on food and agriculture equity passed 50-6; AB 72 creating an EV economic opportunity zone passed 58-0; AB 96 removing a diploma requirement for Medi-Cal peer support specialists passed 55-0; AB 230 extending Pierce’s disease control programs passed 64-0; AB 277 requiring background checks for behavioral health employees passed 59-0; AB 647 clarifying a county RV disposal pilot passed 54-0; AB 664 authorizing limited bachelor’s programs at Southwestern Community College passed 60-1; AB 673 creating a support grant for unaccompanied homeless youth passed 55-1; AB 710 on dynamic electricity pricing passed 54-0; AB 748 streamlining pre-approved housing plans passed 65-0; AB 767 expanding protections around sexually violent predator placements near schools and daycares passed 65-0; AB 883 protecting officials’ personal information from data brokers passed 66-0; AB 946 expanding 30x30 conservation efforts to urban areas passed 65-0; AB 1054 creating a deferred retirement option program for CHP and Cal Fire passed 61-1; AB 1070 on missing middle housing code simplification passed 66-0; AB 1159 strengthening student data privacy passed 54-4; AB 1204 revising the Local Control Funding Formula passed 54-1; AB 1265 extending the historic building tax credit passed 64-0; AB 1349 banning speculative ticketing passed 61-0; AB 1359 allowing seniors 80+ to opt out of jury service without a doctor’s note passed 67-1; AB 643 on organic waste procurement credits passed 48-4; AB 685 creating a small business resiliency fund passed 63-0; AB 714 tightening oversight of commercial driving programs passed 65-1; and AB 805 establishing a youth apprenticeship bridge program passed 66-0. Several other items were passed and retained or continued without debate. Debate on AB 1054 drew the sharpest disagreement, with opponents warning about pension costs and supporters arguing it would help retain experienced CHP officers and firefighters. AB 767 also prompted strong comments about public safety and placement of sexually violent predators in rural communities. On AB 1349, supporters from both parties backed the anti-speculative ticketing bill as consumer protection, while AB 664 drew support from members emphasizing access to higher education in underserved regions. The Assembly then adjourned until January 29, 2026, after announcing upcoming session dates and recording a few vote changes from the dais.

Transcript Highlights:

• And perhaps... ...has necessarily not been fully utilized year after year.
• That's a very rough sort of gauge of cost that would be entailed on consumers.
• So happy to provide more details about historical utilization and...
• So happy to provide more details about historical utilization and projected utilization and also happy
• some decreases in utilization.

Keywords: 987, senate, all

Transcript Highlights:

• Pets and exploit Florida consumers. That's the words of the Haas Center.
• These are specifically focused on consumer protections.
• This is a great consumer protection beginning. But what about workers?
• “This is a great consumer protection beginning. But what about workers?
• So AI is being utilized and it’s very important.

Summary: The Committee on Commerce and Tourism considered a series of bills affecting tax policy, workforce development, business regulation, consumer protection, rural development, and artificial intelligence. SB 1076 would raise Florida’s research and development tax credit cap from $9 million to $50 million beginning with the 2027 allocation, and it was reported favorably. CS/SB 1266 would create a cybersecurity experiential internship and clearance-readiness program with the Department of Commerce and Cyber Florida; an amendment removed an appropriation from the bill, and the committee reported it favorably. SB 554, a broad update to Florida’s not-for-profit corporation law, was also reported favorably after supportive testimony from Florida Bar representatives. SB 1004, aimed at protecting buyers of dogs and cats from deceptive sales and predatory financing practices, received strong support from animal welfare advocates and was reported favorably. SB 1074, which provides rounding rules for cash transactions if pennies are unavailable, was likewise reported favorably. SB 214, expanding the rural community definition to include special districts in rural counties for economic development purposes, was reported favorably. SPB 7030, a public records exemption tied to Department of Legal Affairs investigations, was adopted as a committee bill and favorably reported. The committee also heard extensive discussion on SB 998, the Department of Commerce package. The bill would modernize the Florida Small Cities Community Development Block Grant program, clarify rural community eligibility for certain unincorporated areas, exempt military entities from a reverter clause on land conveyances, and revise E-Verify enforcement procedures. Members questioned the E-Verify provisions, including penalties, protections for workers incorrectly flagged, and the treatment of gig workers. Senator Smith opposed the bill, arguing it creates unequal treatment between employers and immigrant workers, while Senator Wright supported the military-related provisions. Despite the debate, SB 998 was reported favorably, with Senators Bracy Davis, Smith, and Errington voting no. The committee also took up SB 482, an “Artificial Intelligence Bill of Rights” that would create consumer protections for companion chatbots, require parental consent and access for minors, mandate periodic disclosures that users are interacting with AI, restrict certain uses of personal data and likenesses, and give the Attorney General enforcement authority. The bill drew both support and criticism: supporters emphasized child safety, transparency, and consumer protection, while opponents raised concerns about privacy, broad definitions, lack of audit mechanisms, and the absence of a private right of action for adults. Senators Smith and Davis urged clearer definitions and stronger accountability, but both said the bill was a starting point. The committee reported SB 482 favorably. The meeting ended with recorded affirmative votes requested by Senators Yarbrough, Wright, and Davis on selected tabs, and the committee adjourned.

Transcript Highlights:

• Overall, the board received 599 consumer complaints.
• So we received consumer complaints.
• Our work spans licensing, compliance, enforcement, financial oversight, and consumer protection.
• We believe consumer protection goes hand in hand with consumer education.
• We protect consumers. We protect public trust. And we protect state and local revenues.

Keywords: 1182, all

Transcript Highlights:

• locate underground utilities. locate underground utilities.
• > came field utility contractor or utility came field utility contractor or utility came up<00
• leading cause of utility damage. leading cause of utility damage.
• utility changes, utility Ongoing utility changes, utility companies<01:23:12.880> frequently<
• utility.

Keywords: 1189, house, all

Transcript Highlights:

• workforce for increased AI utilization. workforce for increased AI utilization.
• better AI utilization better AI utilization and and and what<00:21:59.120> number<00:21:59.280
• And ultimately, who pays any tax that you put on a business is the consumer.
• Republicans are for the end consumers Republicans are for the end consumers with<00:32:08.240> the
• going against the consumer going against the consumer and<00:32:26.799> those<00:32:27.039

Bills: HF4598, HF4884, HF3732

Keywords: workers' compensation, Minnesota workers' compensation, Workers' Compensation Advisory Council, reinsurance association, Workers' Compensation Reinsurance Association, WCRA, occupational disease, presumption, first responders, firefighter cancer, PTSD, post-traumatic stress disorder, police officer, paramedic, emergency medical technician, correctional officer, security counselor, public safety dispatcher, temporary total disability, permanent partial disability

Transcript Highlights:

• Are they following consumer protection laws?
• And so that's the consumer protection side.
• I'm Executive Director of Consumer Watchdog.
• Jenna Price, on behalf of the Consumer Fed, in support.
• That's the dirtiest utility material that you can possibly find.

Keywords: 987, senate, all

Transcript Highlights:

• They're looking at how can we get more local, how can we get more utilization out of 5 acres that we
• out of uh 5 can we get more utilization out of uh 5 Acres<00:03:15.319> that<00:03:15.440>
• Uh, many ways to utilize milk and make money on it. Um, we have uh some other things.
• Uh, many ways to utilize milk and make money on it. Um, we have uh some other things.
• does ice cream uh many ways to utilize does ice cream uh many ways to utilize milk<00:13:09.399>

Keywords: 958, all

Summary: The committee heard extended testimony from Agriculture Commissioner Jonathan Shell and several senators about using agriculture economic development funds to make Kentucky farms more profitable and attract related businesses. Discussion focused on expanding markets for corn, soybeans, beef, dairy, and other products through biofuels, sustainable aviation fuel, feedlots, processing plants, transportation, and other infrastructure that would keep more value in-state. Members also discussed the profitability pressures on farmers, high land prices, and the need for small-farm support and aggregation programs such as Kentucky Proud, BCAL, KOAP, CAP, food-is-medicine efforts, LFPA, and farm-to-school initiatives. Senators raised specific ideas and concerns, including raw milk and food-freedom innovation, support for 5-acre and other small farms, and the possibility of a beef processing plant in Kentucky. Shell said raw milk testing is not currently a department function but could be explored with legislative direction, and he emphasized that Kentucky must first prove it can feed cattle at scale before a processor is likely to locate here. He also argued that changing conditions in the West and Midwest, including water limits, workforce shortages, and regulatory pressure, could make Kentucky increasingly competitive for beef processing and feedlot operations. Several senators shared personal farming experiences to underscore the difficulty of making a living in agriculture and the need for off-farm income or value-added businesses. They cited examples such as grain storage, dairy products, chicken and hog operations, and restaurant or rental income supporting farm operations. Commissioner Shell said the fund is intended to fill gaps and attract businesses that need Kentucky agricultural products, creating premium markets and more local jobs. After questions concluded, the committee took up the bill, with a motion by Senator Richardson and a second by Senator Nunn. The roll call was taken, and the bill passed unanimously. The committee then moved to adjourn.

Transcript Highlights:

• We passed a lot of very consumer-friendly bills.
• Assistance that we can give to consumers that we cannot give right now.
• This helps us be more efficient in consumer protection.
• So it's a time-consuming issue.
• But you'll have some reduction in utilization.

Keywords: 965, house, all

Summary: The House Insurance Committee met on April 23 with a quorum present and began by announcing that HB 1142 was deferred. The committee then took up HB 1187, which would direct any excess Louisiana Citizens emergency assessment funds, after related debt is satisfied, toward the Louisiana Fortified Homes Program or future Citizens obligations. Commissioner Tim Temple and Rep. Sawyer said the bill would likely redirect about $50 million to the popular fortified roof grant program, which has already awarded thousands of roofs and is oversubscribed. With support from Citizens and others, the committee adopted technical amendments and reported HB 1187 favorably. The committee next considered HB 1210, a proposal by Rep. Dana Henry to create a pre-suit claim review process for Louisiana Citizens disputes modeled on Florida’s system. After explaining that the bill was prompted by constituent concerns about rising homeowners insurance costs, Henry voluntarily deferred the bill and instead moved toward a study resolution. The substitute version, which would have allowed Citizens disputes to be resolved through the Division of Administrative Law, was adopted for discussion, but the bill was ultimately voluntarily deferred after testimony from Citizens and the department supporting further study. HB 1199, by Rep. Jordan, would require coverage for genetic testing and medically necessary treatment for SCN2A-associated disorders. After adopting an amendment clarifying that coverage depends on provider order and medical necessity, the committee heard emotional testimony from a parent describing her daughter’s severe SCN2A condition and the difficulty obtaining genetic testing. The bill was reported favorably. The committee then took up HB 880, the Louisiana Artificial Intelligence Insurance Fairness Act, which would regulate AI use in underwriting, rating, and claims. Jordan said the bill raised state-federal insurance regulatory issues and could jeopardize federal broadband funding, so he voluntarily deferred it; HB 920 was also voluntarily deferred. Finally, the committee considered HB 1221, by Rep. Amadee, which would narrow data collection under the surplus lines premium tax system to protect policyholder privacy. Former Rep. Bowler argued the department should not collect names, addresses, or coverage limits and that the bill would preserve privacy without affecting tax collection. The Department of Insurance said the broader data is needed for premium tax reconciliation, fraud detection, and post-disaster assistance. After debate, a motion to report HB 1221 favorably failed on a 6-6 roll call. The committee then moved on to HB 869 by Rep. Lyons, a health insurance bill covering injectable drugs for glucose or weight-loss treatment, but the transcript ends before further action on that measure.

Transcript Highlights:

• Consumers have no way to verify the origin or health status of the animals they're purchasing and when
• California, one that prides itself on our consumer protection and animal welfare has unfortunately fallen
• Protection Agencies want to trace the source, whether for a disease investigation. a consumer fraud
• And that salary... that salary survey is funded locally and not utilized by a CDFA doesn't have to pay
• I've been there for about 18 months and we've already been utilized by the Hurricane Helen twice by PG

Keywords: 988, house, all

Transcript Highlights:

• Second, California can do more to mitigate the harms of HR 1 on regional center consumers.
• And then, obviously, you have two members of the Consumer Advisory Committee.
• And then, obviously, you have two members of the Consumer Advisory Committee.
• , utilization of the process will still remain low, even though the need is there.
• I hope you all have been utilizing these four or five hours to practice your one minute.

Keywords: 988, house, all

Summary: The Assembly Budget Subcommittee on Human Services held a hearing focused on the Department of Developmental Services (DDS), related safety-net programs, and several administration trailer bill proposals. Members and witnesses discussed the impacts of H.R. 1 on people with intellectual and developmental disabilities, including changes to Medi-Cal and CalFresh eligibility, the need for automatic exemption processes for people with disabilities and caregivers, and the risk that loss of health coverage could shift costs to regional centers or reduce access to services. DDS and the Department of Social Services said they are working on data matching and automation to identify exemptions, with implementation for CalFresh set to begin June 1, 2026. Public testimony from consumers and advocates emphasized that Medi-Cal, IHSS, CalFresh, and regional center services are essential to community living and that cuts or administrative barriers could destabilize households and force people back into more restrictive settings. The committee also reviewed the governor’s IHSS proposals. CDSS described three budget items: setting a baseline for average authorized hours and shifting costs above that baseline to counties, automating IHSS disenrollment and reinstatement tied to Medi-Cal eligibility, and eliminating the IHSS backup provider system. The LAO noted that if Medi-Cal or IHSS access is reduced, regional centers may have to fill gaps as payer of last resort, potentially at higher cost. Several members expressed strong concern about cost shifts to counties and warned that counties are already under severe fiscal pressure. The chair requested a harm-mitigation strategy before the May Revision and asked for more information on how the administration would prevent service reductions or instability for clients. The committee then heard a trailer bill proposal on DDS rate reform and the Quality Incentive Program. DDS asked to extend the contract exemption through December 31, 2030 and extend the deadline for finalizing rate reform regulations to December 31, 2030, saying the changes are budget-neutral and would give the department more time to complete implementation. DDS reported that about 81% of providers met the current Quality Incentive Program prerequisites, while providers and advocates said the 90-10 structure can function like a penalty and may destabilize providers that fail to qualify. Members asked for clearer guidance, more technical assistance, and redlined language before the May Revision, and indicated they may reject the proposal if concerns are not addressed. Finally, DDS presented a trailer bill to revise regional center governance and operations, including consolidating multiple contracts into one, giving DDS more flexibility to allocate funds through fiscal letters, strengthening board training and oversight, and removing barriers to provider capacity such as outdated office-location requirements and courtesy vendorization. The hearing ended without any votes, but members repeatedly emphasized protecting consumers, avoiding harmful cost shifts, and ensuring that any policy changes preserve services and community living for people with developmental disabilities.

Transcript Highlights:

• The Minnesota Senate Energy, Utilities, Environment and Climate Committee will please come to order.
• Utility-scale solar is finally catching up.
• Those costs ultimately fall on the Petro Fund, the fuel market, and Minnesota's fuel economy consumers
• costs, and save up to significant long-term dollars, creating real savings for Minnesota's fuel consumers
• Those costs ultimately fall on the Petro Fund, the fuel market, and Minnesota's fuel economy consumers

Keywords: 1187, senate, all

Transcript Highlights:

• /c> electric companies, utilities all electric companies, utilities all communicate<00:33:43.440>
• <00:39:03.200> Uh to work for for the utilities. Uh to work for for the utilities.
• . utilities. utilities.
• . consumers. consumers.
• by driving up demand, business consumers by driving up demand, forcing<05:25:30.480> utilities

Keywords: 1189, house, all

Transcript Highlights:

• Well, it could possibly limit the out-of-pocket cost for the consumer.
• I heard Beverly Haydell, but she's great, so just utilize her. So make sure you utilize her.
• You know, there's always a discussion that I'm up here always talking about consumers.
• I think there are options for a consumer.
• A lot of those opioid settlement funds are not being utilized at all.

Bills: SCR37, SB145, SB237

Keywords: informed consent, healthcare, medical procedures, patient rights, surgeon general, regulatory review, adult residential care, generators, emergency power, health safety, Louisiana Department of Health, compliance, regulations, child welfare, Department of Children and Family Services, mandatory reporting, abuse prevention, investigative teams, child ombudsman, forensic interviews

Summary: The House Committee on Health and Welfare met on April 28 with a quorum and took up several health-related bills. SB 113, concerning the local health care provider participation program in Calcasieu Parish, was amended with a technical set and reported favorably with amendments after the author explained it would shift the local sponsor from the parish to the city. SB 23, which exempts certain assisted living facilities from the definition of food service establishment, was reported favorably. SB 150, allowing LDH to scan and return supporting documents for vital records changes, was also reported favorably. SB 221, which would allow EMS providers to be reimbursed by Medicaid for treating patients on scene without transport, drew questions about billing, coding, and implementation but was reported favorably, with members noting it could reduce unnecessary ER use and costs.

Transcript Highlights:

• And, you know, you could look at it from the consumer protection standpoint that the sooner that the
• That this individual had a problem in another state, the better consumer protection that we have.
• Labor is the number one input into a business beyond utilities and property tax.
• And we will, of course, be passing that along to consumers.
• And this will result in higher consumer prices. Thank you, ma'am.

Keywords: 909, all

Transcript Highlights:

• This money comes from both American taxpayers and consumers in the form of higher costs for goods.
• Maintaining America's supply chains, lowering inflation costs on consumers and goods, and ensuring our
• Because consumers pay more when shipping costs are higher.
• Do these reductions affect prices for American consumers? Or could they? Okay. Thank you.
• It is being utilized more and more.

Transcript Highlights:

• House Bill 1404, fraudulent utility conversion; create crime when landlord fails to pay utilities and
• tenants' utilities are interrupted.
• And so, they uh those uh utility bills.
• :38:22.680> Choice, 1073, Consumer Freedom of Choice, 1073, Consumer Freedom of Choice, Protecting
• Funds not utilized in local and private. Funds not utilized in local and private.

Keywords: MS Senate Floor - 9 March, 2026; 4:00 PM, 925, all

Summary: The Senate convened with a quorum present, opened with prayer and the Pledge of Allegiance, and then handled a series of introductions and announcements. Members welcomed guests in the gallery, recognized the doctor of the day, and later made several announcements about memorials, committee meeting times, and calendar deadlines. The chamber also agreed to dispense with the reading of the journal and the titles of bills and resolutions. The body then took up multiple measures, mostly on the appropriations, rules, and general bills calendars. Among the bills discussed and passed were House Bill 941 on the Mississippi Healthcare Industry Zone Act, with an amendment changing the repealer date to 2028; House Bill 1633 on the Site Development Grant Program, with a strike-all clarifying eligible utility and site-improvement expenditures; House Bill 1404 on fraudulent utility conversion, with a substitute strike-all adding protections and criminal penalties related to landlords failing to pay tenant-funded utilities; House Bill 907 revising the timing for sample ballots from the Secretary of State; House Bill 867 allowing Ross Barnett Reservoir funds to be used for shoreline maintenance and erosion prevention; House Bill 1558 revising compensation and reimbursement for the Tishomingo County Water District; and House Bill 514 revising the Veterinary Practice Act to protect certified veterinary technicians and update board membership and fees. Several other measures were also addressed, including Senate Bill 2648, which would let the MSU Extension Service assist poultry farmers with comprehensive nutrient management plans and was amended by the House to add Alcorn State University; Senate Bill 2637, on flexibility for the Northeast District livestock show location, on which the Senate voted not to concur and invite conference; House Bill 1069, the Mississippi Agriculture and Farmland Wind Tower Protection Act of 2026, which was amended to shift review of a waterfowl impact assessment to the Department of Wildlife, Fisheries, and Parks and impose a one-year moratorium with a study committee; House Bill 1073, a consumer choice bill restricting bans on gas-powered farm equipment and lawn tools; House Bill 942 extending the chiropractic licensure repealer and allowing certain animal chiropractic work under veterinarian supervision; and House Bill 479, which extended temporary licensing timeframes for psychology and marriage and family therapy and added safeguards tied to background checks and qualifications. Most of these measures were adopted and passed by voice vote or by afternoon or morning roll call, with a few items retained on the calendar and several motions to reconsider or hold bills for later action.

Transcript Highlights:

• <00:08:49.080> of bit about the um the the utility of bit about the um the the utility of
• Uh, the proposal will establish a consumer restitution account.
• and the amount of the likely unpaid consumer enforcement.
• I'm looking at consumer enforcement public compensation lines 214 through 217. Okay, thank you.
• Committee, Jessica Whitney, Deputy Attorney General over the Consumer Protection Section.

Keywords: 1187, senate, all

Transcript Highlights:

• And we have the consumer protection market conduct exams: are they following consumer protection laws
• And so that's the consumer protection side.
• I'm Executive Director of Consumer Watchdog.
• Jenna Price, on behalf of the Consumer Federation, in support.
• Christopher Assange is with the Consumer Federation.

Summary: The committee heard testimony on several insurance-related bills. SB 1209 by Senator Allen, sponsored by Insurance Commissioner Ricardo Lara, would give the Department of Insurance stronger enforcement tools when insurers fail to implement corrective actions identified in market conduct or financial examinations. Supporters said the bill would close gaps that allow repeated violations, improve solvency oversight, and protect policyholders; opponents argued CDI already has broad authority and raised concerns about duplicative penalties, due process, and the bill’s scope. Members discussed amendments to limit the bill to legal violations rather than recommendations, apply penalties per exam rather than per policy, and clarify accounting language. The committee voted to send SB 1209 to Appropriations, with the bill placed on call after a roll vote that included one no vote from Senator Niello. The committee also considered SB 1301, which would require more detailed non-renewal notices for residential property insurance, give policyholders time and information to address correctable issues, and restrict certain non-renewal reasons such as claims below deductible or not covered by the policy. Support came from homeowners, fire survivors, and consumer groups who said notices are often vague and leave families unable to keep coverage; insurers opposed the bill, warning that California’s notice period is already among the longest in the country and that the bill could worsen availability and add burdensome reporting requirements. The author said he was willing to reduce the notice period from 180 days to about three months and work on a mitigation-based process. The committee passed the bill to Appropriations, with Senator Niello voting no and the item placed on call. SB 1026 by Senator Gonzalez would tighten regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without a criminal conviction, adding conduct restrictions, and requiring continuous liability coverage and proper appointment notices. Supporters, including Commissioner Lara, said the bill addresses serious misconduct and loopholes that have led to unsafe conduct and weak oversight. Bail industry representatives and crime victims’ advocates opposed the measure, arguing that the required insurance coverage is unavailable or unlawful as written, that the bill would be hard to comply with, and that it could reduce the number of recovery agents and delay justice. The committee moved SB 1026 to Appropriations, with Senator Niello voting no and the bill placed on call. The committee then heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would authorize the Attorney General to sue fossil fuel companies to recover costs tied to climate disasters and insurance losses, with supporters framing it as a way to shift some climate-related costs away from policyholders and taxpayers. The author said amendments would remove retroactivity and delay liability until 2032, while supporters from flood and wildfire survivor groups and climate organizations said the bill would help fund recovery and stabilize insurance costs. Opponents from industry and building trades argued the bill was legally vulnerable, would create a de facto tax or liability scheme, and could harm jobs, energy production, and affordability. Testimony on SB 982 was extensive, but the transcript ends before any committee vote or final action on that bill.