Transcript Highlights:

• ><00:08:27.599> Lee, recognizes the gentleman from Lee, recognizes the gentleman from Lee, Chairman
• some<00:15:10.160> special I'd like to recognize some special I'd like to recognize some
• the next bill, would like to recognize the next bill, would like to recognize CSG<00:27:32.159><
• Certainly can't recognize them without recognizing our own staff and the pro tem staff.
• >> Chairman Brown, you're recognized. >> Chairman Brown, you're recognized.

Keywords: 1136, house, all

Transcript Highlights:

• Whether we recognize you or not, you are Whether we recognize you or not, you are Whether we recognize
• May each senator recognize that each moment in this recognize that each moment in this recognize that
• I want to recognize some more special I want to recognize some more special I want to recognize some
• You're recognized. I would like to know You're recognized. I would like to know You're recognized.
• You're recognized. Thank to the motion. You're recognized. Thank to the motion. You're recognized.

Bills: HB 135, HCR 64, SCR 3, SCR 30, SB 500, SB 739, SB 816, SB 898, SB 1283, SB 1351, SB 1423, SB 1531, SB 1540, SB 1666, SB 1721, SB 1886, SB 1931, SB 2001, SB 2075, SB 2154, SB 2173, SB 2217, SB 2284, SB 2375, SB 2383, SB 2386, SB 2398, SB 2448, SB 2476, SB 2540, SB 2580, SB 2589, SB 2693, SB 2707, SB 2776, SB 2786, SB 2801, SB 2864, SB 2927, SJR 84, SCR 30, SB 243, SB 324, SB 393, SB 457, SB 511, SB 529, SB 547, SB 636, SB 646, SB 659, SB 715, SB 731, SB 735, SB 800, SB 801, SB 904, SB 1065, SB 1141, SB 1181, SB 1224, SB 1241, SB 1242, SB 1250, SB 1266, SB 1285, SB 1359, SB 1434, SB 1442, SB 1467, SB 1502, SB 1524, SB 1528, SB 1551, SB 1585, SB 1640, SB 1754, SB 1757, SB 1777, SB 1844, SB 1863, SB 1972, SB 2007, SB 2035, SB 2046, SB 2055, SB 2069, SB 2082, SB 2119, SB 2139, SB 2154, SB 2200, SB 2201, SB 2269, SB 2310, SB 2330, SB 2357, SB 2366, SB 2401, SB 2422, SB 2514, SB 2530, SB 2533, SB 2543, SB 2544, SB 2550, SB 2568, SB 2589, SB 2660, SB 2693, SB 2695, SB 2707, SB 2717, SB 2721, SB 2742, SB 2753, SB 2807, SB 2846, SB 2891, SB 2925, SB 2938, SJR 3, SJR 18, SB 5, SB 326, SB 767, SB 769, SB 783, SB 914, SB 963, SB 1035, SB 1197, SB 1271, SB 1415, SB 1437, SB 1619, SB 1637, SB 1786, SB 1806, SB 494, SB 530, SB 2312, SB 1, SB 260, HB 135, HB 1109, HB 1392, HB 22, HCR 64, SJR 36, SJR 50, SJR 63, SJR 84, SJR 59, SCR 12, SCR 39, SCR 48, SCR 19, SCR 30, SCR 3, SB 2023, SB 62, SB 666, SB 847, SB 284, SB 854, SB 1073, SB 810, SB 1505, SB 583, SB 1502, SB 507, SB 1434, SB 1376, SB 1585, SB 1772, SB 2016, SB 1163, SB 1122, SB 731, SB 397, SB 508, SB 1436, SB 287, SB 261, SB 1882, SB 393, SB 1791, SB 209, SB 2429, SB 1999, SB 511, SB 2309, SB 510, SB 1085, SB 1975, SB 2717, SB 1262, SB 1524, SB 636, SB 2056, SB 884, SB 517, SB 1200, SB 1845, SB 1863, SB 2681, SB 2200, SB 2199, SB 1757, SB 2458, SB 2201, SB 801, SB 2533, SB 3014, SB 3013, SB 758, SB 1721, SB 1013, SB 2797, SB 2383, SB 2119, SB 2448, SB 1777, SB 1283, SB 2076, SB 2786, SB 2876, SB 2284, SB 1540, SB 2929, SB 2540, SB 2595, SB 2217, SB 715, SB 500, SB 1640, SB 2001, SB 2514, SB 2753, SB 2398, SB 1241, SB 2927, SB 2173, SB 2538, SB 898, SB 1449, SB 2529, SB 2846, SB 2476, SB 986, SB 1181, SB 2075, SB 2154, SB 2864, SB 1359, SB 2386, SB 2550, SB 1351, SB 1423, SB 1931, SB 2245, SB 2589, SB 2707, SB 410, SB 2776, SB 2580, SB 1886, SB 1234, SB 739, SB 456, SB 1666, SB 2801, SB 2055, SB 1012, SB 2926, SB 2138, SB 1242, SB 2615, SB 2310, SB 1224, SB 2972, SB 2841, SB 3016, SB 2139, SB 1856, SB 2035, SB 1528, SB 1141, SB 2401, SB 2530, SB 2375, SB 547, SB 1266, SB 1373, SB 1467, SB 2069, SB 2269, SB 2480, SB 672, SB 904, SB 2695, SB 2891, SB 2422, SB 2543, SB 1854, SB 317, SB 2539, SB 2532, SB 2925, SB 1250, SB 2082, SB 2203, SB 457, SB 2357, SB 2721, SB 243, SB 1285, SB 2568, SB 1959, SB 1442, SB 1454, SB 2520, SB 2541, SB 1708, SB 1237, SB 1844, SB 1586, SB 1551, SB 3039, SB 2819, SB 66, SB 629, SB 1015, SB 2342, SB 2903, SB 2933, SB 1965, SB 2477, SB 3029, SB 2605, SB 2419, SB 1957, SB 375, SB 250, SB 777, SB 628, SB 2523, SB 2367, SB 2703, SB 2608, SB 2778, SB 3044, SB 2965, SB 2521, SB 865, HB 2525, HB 3093, SB 1032, SB 2165, SB 2501, SB 2675, SB 2452, SB 2835, SJR 84, SB 457, SB 547, SB 904, SB 1467, SB 1757, SB 1777, SB 2055, SB 2069, SB 2139, SB 2401, SB 2530, SB 2543, SB 2695, SR 349, SR 367, SR 468, SB 3064, SB 3065, HJR 7, HB 119, HB 130, HB 163, HB 166, HB 201, HB 272, HB 331, HB 380, HB 654, HB 694, HB 718, HB 865, HB 1266, HB 1397, HB 1500, HB 1552, HB 1576, HB 1583, HB 1584, HB 1760, HB 1894, HB 1965, HB 2018, HB 2029, HB 2286, HB 2340, HB 2427, HB 2455, HB 2467, HB 2508, HB 2523, HB 2730, HB 2756, HB 2791, HB 2970, HB 3016, HB 3096, HB 3248, HB 3255, HB 3336, HB 3623, HB 3698, HB 3699, HB 3803, HB 3804, HB 3805, HB 3806, HB 4129, HB 4187, HB 4236, HB 4238, HB 4643, HB 4738, HB 4739, HB 5333, SCR 3, SCR 30, SB 500, SB 739, SB 898, SB 1283, SB 1351, SB 1423, SB 1540, SB 1666, SB 1721, SB 1886, SB 1931, SB 2001, SB 2075, SB 2154, SB 2173, SB 2217, SB 2375, SB 2383, SB 2386, SB 2398, SB 2448, SB 2476, SB 2540, SB 2580, SB 2589, SB 2707, SB 2776, SB 2786, SB 2801, SB 2864, SB 2927, HB 135, HCR 64, SB 2284, SB 3064, SB 3065, HJR 7, HB 119, HB 130, HB 163, HB 166, HB 201, HB 272, HB 331, HB 380, HB 654, HB 694, HB 718, HB 865, HB 1266, HB 1397, HB 1500, HB 1552, HB 1576, HB 1583, HB 1584, HB 1760, HB 1894, HB 1965, HB 2018, HB 2029, HB 2286, HB 2340, HB 2427, HB 2455, HB 2467, HB 2508, HB 2523, HB 2730, HB 2756, HB 2791, HB 2970, HB 3016, HB 3096, HB 3248, HB 3255, HB 3336, HB 3623, HB 3698, HB 3699, HB 3803, HB 3804, HB 3805, HB 3806, HB 4129, HB 4187, HB 4236, HB 4238, HB 4643, HB 4738, HB 4739, HB 5333

Keywords: sales tax exemption, exotic animals, game animals, agriculture, livestock, gifted education, education support, student achievement, academic excellence, Texas education, cowboy culture, Bandera, cultural heritage, historical significance, Texas identity, Birding Capital, Matagorda County, wildlife, conservation, Texas Legislature

Transcript Highlights:

• Representative Kulkin was recognized.
• <02:21:09.120> represent education and I recognize represent education and I recognize represent
• increase the dollar amounts to federal increase the dollar amounts to federal level<02:31:10.640>
• <02:32:34.560> Representative And I'd like to recognize Representative And I'd like to recognize
• able to do is get a federal commitment. able to do is get a federal commitment.

Keywords: 1189, house, all

Transcript Highlights:

• We recognize that spaying and neutering is critical in New Mexico.
• We are regulated by federal regulations, thus the reason our FFL is a federal firearms license and not
• a federal, state, and local firearms license.
• And we know it's not irresponsible to ask for federal courts because federal courts across the country
• There are 20 federal district court opinions supporting restrictions on, and then five federal courts

Bills: SB38, SB17, SB41, SB264

Keywords: SB38, pet food, registered pet food, registration fee, fees, sunset repeal, repeal of repeal, revenue, state fee, business regulation, animal feed, pet food registration, New Mexico, gun control, firearm safety, dealer regulation, illegal trade, background checks, sexual crimes, statute of limitations

Transcript Highlights:

• You're recognized. Thank you, Mr. Chairman. Thank you for the question. You're recognized.
• Recognized for a follow-up? I think the state... Follow-up. Recognized for follow-up?
• You recognized. Thank you, Mr. Chairman. Thank you. You recognized. Thank you, Mr. Chairman.
• You’re recognized.
• On the amendment, you’re recognized. Representative Steele. Thank you, Chair. recognized.

Summary: The Insurance and Banking Committee met with a quorum and heard three bills. HB 487 would authorize the CFO and State Board of Administration to invest up to 10% of certain state funds in Bitcoin, require specified custody methods, allow Bitcoin lending under rule, and create a process for accepting taxes and fees in Bitcoin. The sponsor and several proponents argued it would diversify state investments, hedge inflation, and position Florida as a leader in digital assets. Members raised concerns about volatility, security, valuation, and whether Bitcoin was being singled out over other cryptocurrencies, but the bill was reported favorably after debate and a roll call vote. The committee then considered HB 7011, an Open Government Sunset Review measure for records of insolvent insurers. The bill would continue some exemptions but make additional records public, including underwriting files, risk-solvency assessments, corporate governance annual disclosures, and the names, benefits, and compensation of insurance executive officers. There was no public testimony, and members discussed privacy and safety concerns, but the bill passed and was reported favorably. Finally, the committee heard HB 1433 on hurricane mitigation grants and insurer regulation. The bill would tighten restrictions on former executives of failed insurers, raise capital requirements for new insurers, and require mitigation credits when homeowners receive Safe Florida Home funds. An amendment was adopted to require a licensed person to make final claim-denial decisions when AI or automation is used and to prioritize filings that lower rates. Consumer advocates supported the transparency and consumer protections, while industry representatives urged caution on the AI provisions. After debate, the amended bill was reported favorably. The meeting ended with closing remarks from the ranking member, vice chair, and chair reflecting on the committee’s work and likely final meeting of the term.

Transcript Highlights:

• Recognized. Thank you. I recognize. Thank you, Mr. Chair.
• You're recognized. Thank you very much.
• You recognized.
• Senator Osgood, you are recognized in debate.
• You're recognized.

Bills: S0144, S0192, S0332, S0532, S0620, S0694, S0820, S0888, S1000, S1224, S1396, S1500

Keywords: public records, employee protection, Judicial Qualifications Commission, information exemption, confidentiality, chiropractic physician, chiropractor, patient trust funds, escrow, advance payments, prepaid treatment, trust account, fiduciary duty, patient property, Florida Statutes 460.413, Board of Chiropractic Medicine, disciplinary action, commingling of funds, client funds, medical billing

Summary: The Senate Judiciary Committee met with a quorum present and first postponed SB 532. It then heard and approved SB 620, which requires candidates for federal, state, county, district, judicial, and school board office to disclose any citizenship other than U.S. citizenship. The bill drew one waiver in opposition from Common Cause and passed 8-0. The committee also heard SB 1396 on litigation financing consumer protection. Supporters said it would add transparency, limit funder control over litigation, and require disclosure of foreign entities involved in funding; opponents argued it would create strategic advantages for defendants and could burden plaintiffs. The bill passed 7-2. The committee later approved SB 192, repealing a $1,500 cap on patient funds held in trust by chiropractic physicians, and SB 888, extending limits on indemnity and insurance requirements for design professionals in private contracts; both passed unanimously among those voting. The committee also approved several Judiciary-related measures. CS/SB 332, as amended, creates a narrow temporary public meetings/public records exemption for certain pre-suit Burt Harris litigation strategy discussions by local governments, and passed 7-0. SB 820, which strengthens quarterly reporting requirements for problem-solving courts, passed 10-0. SB 1500, implementing probate process recommendations to raise small-estate thresholds, clarify access to safe deposit boxes, and improve enforcement in uncontested probate, also passed 10-0. SB 144, creating a public records exemption for personal information of current and former Judicial Qualifications Commission employees and their families due to harassment concerns, passed 9-1. The committee then approved CS/SB 1224, as amended, making it a third-degree felony to fraudulently obtain possession of a rental unit through false written statements, counterfeit documents, or impersonation; the bill passed 10-0. SB 1000, setting a floor and ceiling for interest rates on law firm trust accounts tied to the Wall Street Journal prime rate, passed 10-0 after testimony from banking and credit union representatives and support from Senate leadership. Finally, CS/SB 694, providing compensation to the descendants of the Groveland Four, was heard with emotional testimony from family members and advocates describing the wrongful convictions, killings, and decades-long effort for redress; an amendment specified equal shares for the four families, and the bill passed 10-0. Several members requested to be recorded as voting in the affirmative on specific bills before the committee adjourned.

Transcript Highlights:

• Senator, you are recognized to explain the bill.
• Senator Osgood, you are recognized to close on the bill, ma'am.
• Senator, you're recognized. Okay.
• Senator Harrell, you are recognized.
• Senator Bradley, you are recognized. Senator Bradley, you are recognized to close on your bill.

Bills: S0176, S0372, S0720, S0816

Keywords: campus safety, higher education, university safety, college safety, student safety, threat assessment, violence prevention, credible threat, campus security, law enforcement notification, emergency response, public universities, Florida College System, student conduct, workplace violence, security escorts, incident reporting, title IX-like safety procedures, institutional safety policy, school violence

Summary: The Committee on Education Postsecondary met with a quorum present and considered several bills and one confirmation. Senate Bill 720, relating to resident status for tuition purposes for previously incarcerated Floridians, was presented by Senator Osgood and supported by testimony from Eddie Fordham, who described his own reentry and college experience and the difficulty of proving residency after long incarceration. Senators Jones and Rodriguez spoke in favor, emphasizing rehabilitation and access to education. The bill was reported favorably by roll call vote. The committee then approved Senate Bill 372, which would extend the state employee tuition waiver program to sheriff’s office employees on a space-available basis, with support noted from the Florida Sheriffs Association. Senate Bill 176, dealing with campus emergency management, conduct, and workplace violence policies, was also reported favorably after discussion focused on clearer reporting protocols, protective measures, and timely updates for students, faculty, and staff; several groups waved in support. Members also voted to recommend confirmation of Douglas Broxton to the Board of Governors of the State University System. Finally, Senate Bill 816, establishing the University of Florida Diabetes Institute in statute to advance research, prevention, care, education, collaboration, and outreach on diabetes, received supportive testimony from medical and university representatives and favorable comments from senators, including remarks about research, federal funding, and improved outcomes. The bill was reported favorably, and the committee adjourned without objection.

Transcript Highlights:

• Chair chair recognizes Representative Chair chair recognizes Representative Miles.
• recognized for parliamentary inquiry. recognized for parliamentary inquiry.
• recognized Representative Kuchab's recognized speak. >> Thank you, Mr.
• which law to violate, state or federal. which law to violate, state or federal.
• recognized for a parliamentary inquiry. recognized for a parliamentary inquiry.

Keywords: 1189, house, all

Transcript Highlights:

• This genocide isn't just recognizing the atrocities that have been done in the past, but recognizing
• We recognize the Armenian Genocide, and while some will not say the words genocide, we do, and we recognize
• We need more support at the federal level too.
• Madam Majority Leader, you are recognized.
• Assembly Member Solache, you are recognized.

Keywords: 988, house, all

Transcript Highlights:

• And so what we decided as a committee was to combine the revenue protections from the federal changes
• My name is Raymundo Lara, and I'm here on behalf of AFSCME and the New Mexico Federation of Labor.
• And so we I certainly recognize the incredible work that's being put into our state government.
• That was primarily due to these... ...corporate tax changes at the federal level.
• up the entire tax issue and what's happening at the federal level.

Bills: SB240

Keywords: capital outlay, capital projects, severance tax bonds, general fund appropriations, supplemental severance tax bonds, UNM School of Medicine, University of New Mexico, infrastructure, state buildings, courts, schools, higher education, road improvements, water and wastewater, tribal infrastructure, tribal projects, public safety, housing, emergency services, bonding

Transcript Highlights:

• We will recognize you definitely for that. Okay.
• Absolutely, it includes federal, state, and local.
• We recognize the right to close, ma'am.
• I left the military at 38, and I didn't even recognize myself.
• As a matter of pending business, the chair recognizes.

Bills: HCR7, HB1557, HB1608, HB2061, HB2201, HB2210, HB2426, HB2754, HJR165, HB2513, HCR7

Keywords: Veterans of Foreign Wars, veterans, commemoration, military service, recognition, September 29, waiver programs, toll roads, discount programs, transportation, affordable housing, land bank program, low-income households, Texas State Affordable Housing Corporation, HB 2061, Texas Transportation Code, Chapter 225, State Highway 242, Interstate Highway 69, Montgomery County

Transcript Highlights:

• If you would just recognize yourself, and you're recognized to begin. Thank you.
• Senator Boyd, you're recognized. Thank you, Mr. Chair.
• If you'll just introduce yourself, you'll be recognized. Thank you. Peter.
• Subtracting federal dollars, Arkansas ranks 27th.
• Senator Boyd, you're recognized. Thank you. I'll be brief.

Summary: The Senate Revenue and Tax Committee met to consider Senate Bill 1, sponsored by Senator Jonathan Dismang, which continues the state’s long-running effort to reduce Arkansas income tax rates. Dismang said the bill would lower the personal income tax rate retroactive to January 1, 2026 and delay the corporate income tax change until the following January, bringing the rate down from 7% to 3.7%. He also said the bill would use existing surplus funds and estimated that a person making $65,000 would see their effective tax burden reduced by about 45% compared with earlier rates. The committee heard several witnesses in opposition, including a United Methodist pastor/social worker, a parent describing her son’s disability and need for supported living services, representatives from Arkansas Appleseed and Arkansas Advocates for Children and Families, and a Marshallese community advocate. They argued that Arkansas should preserve revenue for public schools, health care, food assistance, housing, rural hospitals, early childhood education, and disability services, and said the tax cuts would disproportionately benefit higher-income taxpayers while providing little relief to working families. Several speakers cited low state spending relative to national averages and warned that further cuts would worsen existing service gaps. In closing, Dismang and other supporters said the state can be both compassionate and competitive, that no essential services would be cut by the bill, and that Arkansas has continued to grow revenue despite prior tax reductions. Members emphasized balancing service funding with economic competitiveness and noted the legislature’s focus on lower-income tax brackets in earlier reforms. The committee then voted to do pass SB1, and the bill was approved.

Transcript Highlights:

• They will continue to be recognized as such.
• I want to recognize our Jordi Webb de Hockman v. Hill. I want to recognize Chairwoman Gallegos.
• recognized tribes, are eligible for enrollment with a federally recognized tribe.
• Which is a member of a federally recognized tribe or eligible for that, and there's no age category for
• recognized members of a tribe.

Transcript Highlights:

• I completely recognize and appreciate the fiscal challenges that we have.
• And I recognize that the water insecurity is perhaps not an emergency until it is.
• budget subcommittee very clearly recognize how precious these Prop 4 dollars are.
• At the same time, I recognize... So that's concerning to me.
• Recognize there's a $45 million gap there.

Keywords: 988, house, all

Transcript Highlights:

• So, if would like that to be recognized.
• Uh, please stand and be recognized.
• Please join me in recognizing Miss Carla Vivana Martinez.
• I for one federal EPA Clean Water Act.
• It is up so many other federal agencies.

Keywords: 910, house, all

Transcript Highlights:

• HR number 3376 by Reynolds recognizing April 4th, 2025 as Texas HBCU Day. The chair recognizes Mr.
• HR number 671 by Howard recognizing March 14, 2026 as Texas Women in STEM Day. Chair recognized Ms.
• When we recognize women in STEM, we think of Poppy.
• Do you recognize Ms. Simmons. Thank you Mr. Speaker.
• HR 459 by Lambert recognizing April 2025 as Parkinson's Awareness Month. The chair recognizes Mr.

Transcript Highlights:

• At the time, it made sense for us to leverage federal funds.
• At the time, it made sense for us to leverage federal funds.
• We also have another 95 projects under review by FEMA for $577 million in federal funds.
• We've got a federal network, we've got a private network, and we've got a non-federal network that's
• in and, frankly, recognize the wisdom of the firefighters.

Keywords: 987, senate, all

Transcript Highlights:

• commerce clause by the federal commerce clause by the federal government.<00:30:48.559> Now,<
• Chair, recognized.
• Recognized. Thank you.
• required any new applicant for a federal required any new applicant for a federal firearms<01:36
• That's simply in violation of<01:38:45.520> federal of federal of federal law.<01:38:47.520>

Keywords: 1191, senate, all

Transcript Highlights:

• Um, so this is a bill in federal legislation that we are tracking and watching.
• Um so this is a bill uh in federal Yeah.
• Thank you for taking on this because they recognize that it is not a partisan issue.
• Thank you for taking on this because they recognize that it is not a partisan issue.
• Even though the federal Save Act has stalled in the U.S.

Keywords: 918, senate, all

Summary: The program focused heavily on election policy and campaign finance. Senator Liz Boldon discussed the federal SAVE Act, saying it would require in-person proof of citizenship to register, limit online and mail registration, and require qualifying photo ID to vote. She argued the measure would create barriers for eligible voters, especially people without passports, women who have changed names, and mail voters, and said there is little evidence of non-citizen voting to justify the bill. The segment also noted Minnesota’s high turnout in 2024 and framed the issue as one of access and disenfranchisement. Boldon also outlined her Minnesota bill, Senate File 4147, aimed at reducing dark money in elections by limiting corporate spending and increasing transparency. She cited the growth in outside spending since Citizens United, said Minnesotans want to know who is influencing elections, and described the bill as a novel approach that could face constitutional challenges. She said the measure had already moved through three committees and might not affect the upcoming election season even if enacted. The program then highlighted Senate File 5050, the Republican-backed Save Minnesota Act, which would require qualifying photo ID at the polls and during early and absentee voting, allow provisional ballots when voters cannot prove identity, citizenship, or residence, create free state-issued voter ID cards, and direct officials to remove non-citizens from voter rolls. It also covered Senate File 1851, a bipartisan bill by Senator Bonnie Westlin to ban scam PACs and allow victims, the Attorney General, and others to sue fraudsters; the bill was laid over for possible inclusion in a future omnibus bill and could take effect in August if passed. The final portion introduced newly seated Senator Michael Holmstrom, who won a special election after the death of Senator Bruce Anderson. Holmstrom described his long involvement in Republican and pro-life politics, his work on campaigns and door-knocking, his small-business background, and the personal experiences that shaped his views. The segment also noted that all state Senate seats will be on the ballot in November, listed several senators not seeking reelection, and gave the candidate filing window as May 19 through June 2.

Transcript Highlights:

• Senator Schwertner is recognized to explain the difference.
• I'd like you to recognize me on SB2967 if you would.
• We do not operate with federal dollars.
• Schwertner is recognized to explain the differences.
• You are recognized. The chair lays out Senate Bill 2717. You are recognized on your bill.

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year