Video & Transcript : 'Alabama Department of Insurance' :
Page 103 of 500
AZ
Arizona 2026 Regular Session
02/04/2026 - House Federalism, Military Affairs & Elections
Federalism, Military Affairs & Elections
Transcript Highlights:
- Chairman and members, House Bill 2406 requires the Arizona Department of Veteran Services to conduct
- So is it your contention with this bill that the Arizona Department of Veteran Affairs can use existing
- So what I would be looking for the Department of Veterans Services to do if this bill were to pass would
- making our Arizona Department of Veterans Services more efficient and more responsive to the needs of
- the Department of Veteran Services best equipped to do the study, or would it potentially be better
Keywords:
veteran status, veterans court, treatment court, diversion program, initial appearance, arrestee processing, criminal procedure, DD-214, Department of Veterans' Services, prosecuting agency, court notification, military service, armed forces, veterans benefits, reentry, mental health court, drug court, specialty court, Arizona criminal law, pretrial hearing
WA
Transcript Highlights:
- So this slide provides a comparison of the number of lane miles of highway owned by each state department
- This doesn't involve the Department of Licensing, does it? It does not. Well, go ahead.
- The Washington State Department of Transportation has also listed an impact of $38,000 in fiscal year
- The Department of Licensing, Mr.
- And then a little bit before I got hired on at the fire department, I went with a bunch of...
Keywords:
vehicle loads, public highways, transportation, road safety, infrastructure, HB2139, snowmobile registration, snowmobile fee, vehicle license fee, registration fee, Department of Licensing, RCW, vehicle registration, winter recreation, off-road vehicle, moped, motorcycle, trailer, recreational vehicle, vintage snowmobile
TX
Transcript Highlights:
- Um, just a, a, a quick, uh, kind of, um, outline of how things are gonna go today.
- The adoption, it, it can either, detachment can occur either by adoption of the board of trustees of
- Of, of the district.
- I have the privilege of serving on the Keller SD Board of Trustees.
- There's a pathway of the board and there's a pathway of the people.
Keywords:
district composition, congressional election, Texas, legislature, voting districts, citizenship, U.S. citizen, non-citizen, public office, advisory board, task force, state government, local government, political subdivision, commission board, appointment eligibility, officeholder qualifications, public service, naturalization, Texas Government Code
TX
Transcript Highlights:
- network of Pflugerville trails.
- Ninety-four percent of residents live within half a mile of a trail in Pflugerville, and over 70 percent
- of Pflugerville citizens use those trails... ...a trail in Pflugerville, and over 70 percent of Pflugerville
- Texas for a period of 10 years.
- Senator Hinojosa of Nueces moves that the list of bills recommended for placement on the local and uncontested
Keywords:
Pflugerville, Trail Capital, health and wellness, outdoor recreation, community connectivity, patriotism, town designation, community engagement, Trophy Club, Texas Town of Patriotism, Mineola, Sweets Capital, Texas, local economy, cultural identity, community events, Port Aransas, Mustang Island, Fishing Capital of Texas, Texas fishing
Summary:
The Senate Committee on Administration met with a quorum and heard several Senate Concurrent Resolutions recognizing Texas places and traditions. SCR 46, by Senator Sparks, proposed renaming the New York strip steak as the Texas strip steak to honor Texas cattle production and the state’s beef industry. No public testimony was offered, and the committee voted 4 ayes and 1 present not voting to report it favorably to the full Senate.
The committee also heard SCR 18, by Senator Parker, designating Trophy Club as a symbol of Texas patriotism, SCR 4, by Senator Eckhardt, naming Pflugerville the Trail Capital of Texas, and SCR 43, by Senator Hinojosa, designating Port Aransas as the official fishing capital of Texas for 10 years. Each resolution received no public testimony, was reported favorably by unanimous or near-unanimous committee vote, and was placed on the local and uncontested calendar for April 24, 2025.
Afterward, the committee reviewed the April 24 local and uncontested calendar, noting several bills removed because of penalties, fiscal notes, or significant opposition, with SB 1727 specifically raised by a member. The committee then certified the April 24, 2025 list by a 6-0 vote and recessed. SCR 31 was left pending.
TX
Transcript Highlights:
- After the layout of the bills in the committee, if anyone here wishes to testify, please complete a paper
- witness card located on the table at the back of the room.
- The Texas Strip steak urges the Texas Department of Agriculture to promote it as a key component of Texas's
- supporting local producers and preserving the unique flavors of Texas.
- Members, any questions of Senator Sparks?
Keywords:
Pflugerville, Trail Capital, health and wellness, outdoor recreation, community connectivity, patriotism, town designation, community engagement, Trophy Club, Texas Town of Patriotism, Mineola, Sweets Capital, Texas, local economy, cultural identity, community events, Port Aransas, Mustang Island, Fishing Capital of Texas, Texas fishing
TX
Texas 89th Regular
S/C on Defense & Veterans' Affairs Apr 22nd, 2025
S/C on Defense & Veterans' Affairs
Transcript Highlights:
- I believe Chairman Cole Heffner has got a couple of bills.
- We are going to reduce all of your remarks to the journal in writing, all of it, so we can have it in
- The Texas Department of Motor Vehicles currently issues several specialty license plates related to military
- The bill is in favor of it, and the organization that I'm a part of is Ranger Base Rudder, which is a
- part of the U.S.
Keywords:
specialty license plates, military honor, Texas Homeland Defense Service Medal, Texas Superior Service Medal, Texas Outstanding Service Medal, Texas Medal of Merit, military honors, Lone Star Distinguished Service Medal, veterans, Texas Homeland Defense Medal, military, commemorative recognition, transportation code, claims assistance, disability benefits, court representation, legal services, naming, commemoration, local honor
TX
Transcript Highlights:
- I spent a lot of time studying this, and high insurance, people are freezing from buying a house.
- Department of Housing and Urban Development.
- the Texas Department of Housing and Community Affairs.
- The Department of Housing and Urban Development publishes area median incomes for the different regions
- I would also like to say that I very much support the idea of Texas Department of Housing and Community
Keywords:
county appraisal district, board of directors, governance, taxing units, public representation, penalty, property report, taxation, timely filing, chief appraiser, appraisal district, ad valorem tax, property appraisal, tax protests, unequal appraisal, property rights, property tax, public employees, protest leave, appraisal review board
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 32 Mar 31st, 2026 at 09:30 am
Oklahoma House Floor Meeting
Transcript Highlights:
- The following order of business will be followed today: prayer, pledge of allegiance, introduction of
- Doctor Campbell currently serves as a director of the emergency department and chief medical officer
- Speaker, members, our Secretary of Energy's office has worked very hard to submit the RFI to the Department
- of Energy, trying to get an innovation campus in the state of Oklahoma.
- of trans people.
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 32 Mar 31st, 2026
Oklahoma House Floor Meeting
Transcript Highlights:
- of doctor and nurse of the day, correction of previous day's journal, House and Senate bills and joint
- of doctor and nurse of the day, correction of previous day's journal, House and Senate bills and joint
- Campbell currently serves as the Director of the Emergency Department and Chief Medical Officer at Stilwell
- Our Secretary of Energy's office has worked very hard to submit the RFI to the Department of Energy,
- of trans people.
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
Summary:
The House convened, completed the roll call, prayer, and Pledge of Allegiance, and then moved through routine business including second-reading referrals and committee reassignments. Senate Bill 1627 and Senate Bill 625 were withdrawn from their prior committees and assigned to Rules. The chamber also recognized Dr. James David Campbell as Doctor of the Day and Courtney Copen as Nurse of the Day.
Members held several floor presentations honoring the Choctaw High School drama team for winning the 2025 OSSAA 6A-1 one-act play state championship and related speech and debate honors, and the Arapaho-Butler Lady Indians for winning the 2025 Class A fast-pitch softball state championship. A proclamation was read designating March 31, 2026, as Affordable Housing Day, highlighting Oklahoma’s housing shortage and the economic impact of the state’s affordable housing tax credit program.
The House adopted House Resolution 1041, which supports designation of a nuclear lifecycle innovation campus in Oklahoma, after Representative Archer explained the measure and requested unanimous consent. During announcements, members noted Transgender Day of Visibility, committee meeting changes, a rural caucus meeting, a public health meeting, and a Capitol devotion. The House then adjourned without objection until Wednesday, April 1, 2026, at 1:30 p.m.
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 31 Mar 30th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Transcript Highlights:
- The following order of business will be followed today: prayer, pledge of allegiance, introduction of
- veterans league, introduction of doctor and nurse of the day, correction of.
- Members of the House, today I have the honor of recognizing our Veteran of the Day, Chief Master Sergeant
- Doctor Shepherd is also the current leader of the Havivial Department of Oklahoma Pediatric Therapy Center
- Central Oklahoma, and has served as a consultant for the Oklahoma State Department of Education.
Bills:
HR1041, SB137, SB1255, SB1226, SB1238, SB1258, SB1325, SB1460, SB1543, SB1730, SB1921, SB1733, SB1216, SB1256, SB1061, SB1534, SB1873, SB1653, SB540, SB1948
Keywords:
Oklahoma, House Resolution, HR1041, Nuclear Lifecycle Innovation Campus, Department of Energy, DOE, advanced nuclear, nuclear energy, small modular reactors, SMRs, microreactors, energy innovation, advanced energy, energy security, economic development, job creation, workforce training, research and development, nuclear supply chain, clean energy
AL
Alabama 2025 Regular Session
Alabama Senate Transportation and Energy Committee Apr 23rd, 2025
Transportation and Energy
Transcript Highlights:
- Excuse me, 811 sunset from January 1st of 2027 to January 1st of 2035. Okay.
Bills:
HB443
Keywords:
HB443, Underground Damage Prevention Program, One-Call Notification System, 811, utility locate, dig law, excavation safety, damage prevention, underground utilities, pipeline safety, public utilities, buried facilities, excavation notice, demolition notice, Alabama Public Service Commission, sunset extension, utility protection, locate request, call before you dig, gas pipeline
FL
Transcript Highlights:
- Legally, the United States Department of Transportation says that the value of life, a life, is worth
- Department of Military Affairs and Florida State Guard are eligible for senior management service class
- This bill addresses a longstanding issue on the Ocklawaha by directing the Department of Environmental
- If funds are made available and permits issued, it's the intent of the department to restore the river
- It requires the Department of Financial Services to review and adjust those caps every five years using
Keywords:
firefighter disability, law enforcement disability, correctional officer disability, correctional probation officer, presumptive disability, workers' compensation, line of duty presumption, heart disease presumption, hypertension presumption, tuberculosis presumption, public safety employees, first responders, physical examination, preemployment exam, medical specialist, Medicare reimbursement, employing agency, Florida Statutes 112.18, Florida Statutes 943.13, occupational disease
Summary:
The committee heard and advanced several bills, beginning with SB 694 on compensation for the descendants of the Groveland Four. Senator Bracey Davis described the wrongful accusations, convictions, deaths, and long-term harm to the families, and an amendment added a $4 million appropriation and updated the recipient for Ernest Thomas’s family. Multiple family members, advocates, clergy, and supporters testified in favor, emphasizing the decades-long delay in justice and the need for accountability and repair. Senators from both parties spoke in support, and the committee reported the bill favorably after a roll call vote.
The committee then approved SB 330 on disability provisions for firefighters, law enforcement, and correctional officers; SB 474 on military affairs leave and related benefits; and SB 96 on the Veterans Dental Care Grant Program. SB 96 drew the most discussion, with Senator Sharief explaining that the bill raises eligibility to 400% of the federal poverty level and moves $500,000 in recurring funding to the General Appropriations Act. Senator Wright and Senator Harrell raised concerns about whether expanding eligibility could worsen the existing waitlist, while supporters argued the change would help more veterans access needed dental care. The bill was ultimately reported favorably.
The committee also passed SB 7018 on child welfare, making the Step Into Success pilot program permanent and statewide, adjusting visitor/background-check rules for foster homes, and creating a best-practices program through the Florida Institute for Child Welfare. SB 480 on information technology was reported favorably after amendments creating a central IT governance structure under the Governor’s office, adding vendor performance metrics and a preferred vendor list, and restoring criminal justice information security provisions. SB 1066 on the Ocklawaha River and Rodman Dam also advanced after extensive testimony from supporters and historians about partial restoration, recreation, and economic benefits; the sponsor said he would continue working through permitting questions before floor consideration.
Later, the committee approved SB 1216 on educator compensation, which gives districts more flexibility on cost-of-living adjustments, advanced degrees, and performance pay caps, and SB 1120 on water management district oversight and reporting. The committee also reported favorably SB 1366 on sovereign immunity and claims against government, which would raise damages caps, index them to CPI, shorten claim deadlines, and cap attorney fees at 25%. That bill drew testimony from hospitals, cities, counties, school districts, and others, with some supporting the Senate’s compromise approach and others raising concerns about impacts on self-insured law enforcement agencies and attorney incentives. The meeting concluded with the favorable report on the bill after debate continued over those issues.
AL
Transcript Highlights:
- still sell some of these products.
- still sell some of these products.
- of that, but we didn't see that.
- </c> I'm vote to get it out of committee. I'm vote to get it out of committee.
- I'll get you a copy of it. committee. I'll get you a copy of it.
Keywords:
entertainment district, alcohol consumption, local governance, city council, public spaces, home school, career and technical education, public schools, K-12 education, enrollment policy, Cherokee County, off-road vehicle park, ORV park, ATV, all-terrain vehicle, dirt bike, off-highway vehicle, recreational vehicle, county permit, inspection
MN
Minnesota 2025-2026 Regular Session
Public Safety Committee Meeting - 2025-03-28
Public Safety Finance and Policy
Transcript Highlights:
- Next, the Department of Public Safety.
- And I'm the Commissioner of the Department of Public Safety.
- Department of Public Safety (DPS) and OJP are...
- To the Department of Public Safety?
- to the custody of the Department of Justice (DOJ) is essential.
Bills:
HF2432
Keywords:
HF2432, judiciary finance bill, public safety finance bill, corrections policy, crime victims, victim services, Minnesota victims of crime account, court fees, marriage license fee, financial crimes, fraud investigations, insurance fraud, Bureau of Criminal Apprehension, BCA, Commerce Fraud Bureau, wage theft, automobile theft prevention, nonprofit security grants, 911 funding, POST Board
MN
Minnesota 2025-2026 Regular Session
House Public Safety Finance and Policy Committee 3/28/25
Public Safety Finance and Policy
Transcript Highlights:
- </c><00:32:34.080><c> of</c> we're housed in uh the the Department of we're housed in uh the the Department
- </c><00:32:41.840><c> of</c> system that uh is run by Department of system that uh is run by Department
- </c><01:27:40.639><c> of</c> that are moving to the Department of that are moving to the Department of
- </c> to the Department of Public to the Department of Public Safety<01:34:05.080><c> well</c><01:34:05.199
- </c><01:35:39.560><c> of</c> agenda today is from the Department of agenda today is from the Department
Bills:
HF2432
Keywords:
HF2432, judiciary finance bill, public safety finance bill, corrections policy, crime victims, victim services, Minnesota victims of crime account, court fees, marriage license fee, financial crimes, fraud investigations, insurance fraud, Bureau of Criminal Apprehension, BCA, Commerce Fraud Bureau, wage theft, automobile theft prevention, nonprofit security grants, 911 funding, POST Board
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 35 Apr 6th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Transcript Highlights:
- business will be followed today: prayer, pledge of allegiance, introduction of veteran of the week,
- for the National Petite Queen of Dance Masters of America.
- love of books.
- Doctor Kip is also a sitting member of the Oklahoma State Board of Examiners of Psychologists.
- Let's give Abby a big round of applause. And all of these exceptional pages of the week.
Bills:
HR1037, HR1043, SB1491, SB1451, SB1286, SB1581, SB1521, SB201, SB1290, SB169, SB1377, SB1991, SB1346, SB1509, SB1928, SB2028, SB2071, SB2110, SB2117, SB2127, SB2134, SB722, SB3
Keywords:
National Poetry Month, poetry, education, cultural celebration, arts and humanities, child abuse, prevention, community support, family safety, child welfare, presidential electors, vacancies, oath of office, political party, elections, voter registration, election integrity, Secretary of State, cancellation of registration, gender neutrality
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 35 Apr 6th, 2026
Oklahoma House Floor Meeting
Transcript Highlights:
- of veteran of the week, introduction of doctor and nurse of today.
- The pledge of allegiance. Introduction of veteran of the week.
- Introduction of doctor and nurse of today. Corrections of previous day's journal.
- Blessing of being children of God.
- Kipp is also a sitting member of the Oklahoma State Board of Examiners of Psychologists.
Bills:
HR1037, HR1043, SB1491, SB1451, SB1286, SB1581, SB1521, SB201, SB1290, SB169, SB1377, SB1991, SB1346, SB1509, SB1928, SB2028, SB2071, SB2110, SB2117, SB2127, SB2134, SB722, SB3
Keywords:
National Poetry Month, poetry, education, cultural celebration, arts and humanities, child abuse, prevention, community support, family safety, child welfare, presidential electors, vacancies, oath of office, political party, elections, voter registration, election integrity, Secretary of State, cancellation of registration, gender neutrality
Summary:
The House convened, completed the roll call, prayer, pledge, and a series of ceremonial recognitions and introductions. Chaplain Ronnie Wilson delivered the invocation, and the chamber honored Veteran of the Week Bobby Joe Floyd for his Army service and decades in Oklahoma law enforcement. Members also recognized a visiting youth performer, Nova Williams, and adopted House Resolution 1037 recognizing April as National Poetry Month and House Resolution 1043 recognizing Child Abuse Prevention Month.
The House also featured several special presentations tied to Caregivers Day, including introductions of Dr. Mukesh Perrek as Doctor of the Day, Dr. Colby Kipp as Psychologist of the Day, and Cynthia Cothram as Nurse of the Day. Additional guests from Stillwater Medical Center and Share Medical Center were welcomed, and Representative West presented Metropolitan Library System poet laureate Hallie Waugh, reading one of her poems in honor of Poetry Month. Representative Hill then recognized the week’s pages, highlighting students from across Oklahoma and their academic and extracurricular achievements.
In floor action, Representative Schreiber moved to request further conference on House Bill 1851, and the motion was adopted without objection. The House also reassigned measures according to the Majority Floor Leader’s list. After announcements, Representative Kennedy hosted a special presentation for the Oklahoma Rifle Association and NRA-related guests, and the House adjourned until Tuesday, April 7, 2026, at 9:30 a.m.
HI
Hawaii 2026 Regular Session
House Chamber - Wed Feb 18, 2026, 12:00PM HST - Day 17
Hawaii House Floor Meeting
Transcript Highlights:
- of the fish.
- one of the fish.
- </c><00:17:29.360><c> So</c> end in the belly of one of the fish.
- So end in the belly of one of the fish.
- They are a part of our communities. They are a part of our lives.
Bills:
HB2139, HB1892, HB1893, HB1890, HB2335, HB2468, HB2091, HB2092, HB1878, HB2297, HB2127, HB1785, HB2345, HB2344, HB1780, HB1891, HB2398, HB1764, HB2564, HB1783, HB2567, HB1934, HB1778, HB1781, HB2621, HB2019, HB1803, HB2454, HB1811, HB1943, HB1589, HB1607, HB1851, HB2490, HB2546, HB2568, HB1972, HB2391, HB2575, HB1896, HB2399, HB2004, HB1894, HB2397, HB2498, HB2560, HB2310, HB2214, HB2167, HB2197, HB2116, HB1879, HB1596, HB2096, HB2298, HB2343, HB2566, HB1518, HB2044, HB2336, HB1603, HB1718, HB1740, HB1616, HB2171, HB2022, HB2347, HB1882, HB1708, HB2086, HB2154, HB2027, HB2179, HB1620, HB1913, HB2159, HB1597, HB2121, HB1864, HB2305, HB2576, HB1713, HB1729, HB1756, HB2122, HB2559, HB1743, HB1733, HB1868, HB1723, HB1711, HB1812, HB2515, HB1724, HB1604, HB2270, HB1722, HB1727, HB1920, HB1593
Keywords:
invasive species, Queensland longhorn beetle, agriculture, environmental impact, University of Hawaii, Board of Education, Hawaii public schools, teacher representative, nonvoting member, bargaining unit 5, HSTA, teachers union, education governance, school board, executive session, collective bargaining, public school teacher, policy-making body, student representative, military representative
OK
Oklahoma 2026 Regular Session
Local and County Government Feb 17th, 2026
Local and County Government
Transcript Highlights:
- by the state and political subdivisions of the state and political subdivisions of the... ...of matching
- of information, or just lack of funding.
- of Police.
- time without even having any kind of avenue of release.
- , entities, that we have seen a lot of people helped, a lot of people that were working, a lot of people
Keywords:
emergency management, federal funding, disaster relief, cost sharing, public assistance, bail reform, public funds, nonprofit organizations, political subdivisions, injunctive relief, criminal procedure, surety bond, judicial discretion, uniform bond schedule, liability insurance, judgments, insurance fund, Oklahoma, county sheriff, commissary
Summary:
The Senate Local and County Government Committee heard several bills related to local government finance, liability, bail, and jail operations. Senate Bill 1288, by Senator Gillespie, would require the state and political subdivisions to equally share FEMA-related matching costs for federally declared disasters; supporters said it would codify long-standing practice and provide certainty for local governments, with an estimated fiscal impact of just under $4.9 million. After questions about future appropriations and delayed reimbursements, the bill advanced on a 9-0 vote.
Senate Bill 2019, by Senator Logan, would create a political subdivision liability insurance guarantee program and fund to help local governments and shared insurance pools manage large federal civil rights judgments. Members questioned the bill’s scope and whether it applied to catastrophic events or civil rights cases; the author said it was intended to spread the burden of large judgments over time and reduce pressure on property taxpayers. The committee adopted a title-off motion and advanced the bill 7-2.
Chair Hamilton presented Senate Bills 1705, 1878, and 2118. SB 1705 would bar nonprofits from bailing people out of jail if they receive public funds, with supporters citing public safety and opponents raising concerns about impacts on nonprofit and church-based assistance; it passed 7-2. SB 1878 would establish a uniform bail schedule, limit personal recognizance release for certain repeat or higher-risk offenders, and require court approval to lower certain bonds; it also passed 7-2. SB 2118 would clarify how county sheriffs may use commissary funds for jail-related purposes such as training, equipment, inmate care, and operations; it passed 7-2. The committee then adjourned.
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Jan 14th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- One of the main topics that comes before this committee is insurance affordability, from school districts
- would require you to disclose that lawsuit to your insurance company as part of their coverage.
- of time.
- , which could impact their insurance rates, just to spend hundreds of, you know, thousands of dollars
- Which could impact their insurance rates, just to spend hundreds of thousands of dollars trying to get
Keywords:
professional engineers, registration act, licensing, engineering practice, state regulations, email regulation, commercial communications, consumer protection, data privacy, electronic mail, consumer access, real property, food security, medicine access, restriction, pawnbroker, fees, interest rates, financial regulation, pet insurance