Video & Transcript Research : 'developmental disability'

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MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Ways and Means Jun 21st, 2026 at 11:00 am

Joint Committee on Ways and Means

Transcript Highlights:
  • Our seniors, kids, veterans, people with disabilities, and families. And that's what we did.
  • Our seniors, kids, veterans, people with disabilities, and families. And that's what we did.
  • the EAEDC program, which we all know provides critical cash support to older adults, people with disabilities
  • have codified protections for immigrant students, English language learners, and students with disabilities
  • effort, PRIM's allocation to firms owned and operated by women, people of color, and those with disabilities
Keywords: 995, all
Summary: The joint budget hearing opened the FY27 budget process with remarks from the Senate and House Ways and Means chairs, who described the fiscal outlook as challenging because of slow revenue growth, rising health care and other costs, and uncertainty from federal policy changes. Governor Healey and Secretary of Administration and Finance Matthew Gorzkowicz then presented House 2, a $62.8 billion budget that they said grows by about 1% and does not raise taxes or fees. They emphasized affordability, fiscal discipline, protection of core services, and continued investment in education, transportation, housing, child care, health care, and public safety. The administration also discussed a separate bill to delay and phase in certain federal tax-code changes from the so-called OB3 law, especially research and experimental expense provisions, to reduce immediate budget impacts and preserve competitiveness. A major portion of the hearing focused on education and municipal aid. The administration said House 2 provides about $7.6 billion for Chapter 70 aid, fully funds the final year of the Student Opportunity Act, increases special education circuit breaker funding, and raises rural school aid. Senators and representatives from both parties raised concerns that Chapter 70 and other aid formulas are not equitable for small, rural, and low-wealth communities and are not keeping pace with inflation, and several called for broader review of the formula and related funding streams. The governor and secretary said they are open to further discussion, pointed to additional support through rural aid, special education, transportation reimbursements, and minimum aid, and said total Student Opportunity Act investment would reach about $2.1 billion over the life of the law. Transportation, housing, and fair share spending were also central topics. The administration said fair share revenues are being used holistically, with education-heavy spending in the operating budget and transportation-heavy spending in the supplemental budget, and estimated the overall split to date at roughly 57% education and 43% transportation. They highlighted MBTA stabilization, regional transit authority support, microtransit, fare-free regional transit, and bridge and commuter rail investments, while noting the MBTA remains a major fiscal concern. On housing, the governor stressed production, permitting reform, ADUs, down-payment assistance, and support for public housing authorities, while lawmakers pressed for more funding for local housing authorities and for ways to address out-migration, energy costs, and affordability. The governor also said the administration will not withhold fire safety grants from communities over MBTA Communities Act noncompliance and will handle such issues case by case. No votes were taken at the hearing; it was an informational presentation and question-and-answer session.
CO

Colorado 2026 Regular Session

Colorado House 2026 Legislative Day 119 May 13th, 2026

Colorado House Floor Meeting

Transcript Highlights:
  • House of Representatives Bacon and Phillips concerning disability rights protections in public schools
  • Honor to serve with you as well. >> Members, this bill is for accommodations for students with disabilities
  • Department of Education cannot protect Colorado kids with disabilities, then the Colorado Department
  • Senator Cutter, concerning processes related to host homes for individuals with intellectual and developmental
  • disabilities and, in connection therewith, making an appropriation.
Keywords: 981, all
NH

New Hampshire 2026 Regular Session

House Education Policy and Administration (02/09/2026)

Education Policy and Administration

Transcript Highlights:
  • They all have learning disabilities. They all have learning disabilities.
  • And during those two years at Hampton, I worked on the developmental disability unit.
  • who do not have disabilities.
  • And during those two years at Hampton, I worked on the developmental disability unit.
  • disabilities. So, for those reasons, we disabilities.
Keywords: 1189, house, all
LA

Louisiana 2026 Regular Session

House of Representatives May 11th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • compensation medical treatment schedule, provide for certain invoices to be paid, inclusion of official disability
  • Health to study and report on gaps in acute care access for individuals with intellectual and developmental
  • disabilities and to develop recommendations for a coordinated system of care across health care settings
  • was such a gap in acute health care and crisis care for children and adults with intellectual disabilities
Bills: HR257, HR258, HR259, HR260, HR261, HR262, HR263, HCR105, HCR106, HR252, HR253, HR254, HR255, HR256, HCR103, HCR104, SB83, SB143, SB155, SB228, SB283, SB295, SB338, SB388, SB408, SB431, HR84, HR188, HR205, HB302, HB597, HB819, HB1257, HB1258, SCR24, SB45, SB58, SB71, SB81, SB92, SB100, SB109, SB141, SB156, SB181, SB203, SB204, SB205, SB207, SB213, SB214, SB216, SB229, SB257, SB274, SB290, SB304, SB374, SB379, SB396, SB410, SB425, SB427, SB429, SB479, SB522, SB357, SB406, HR171, HCR49, HCR65, HCR72, HR37, HCR64, HR170, HR191, HR206, HR207, HR208, HR217, HCR11, HCR53, HCR60, HCR66, HCR68, HR9, HCR27, HCR28, HCR50, HCR62, HCR67, HCR71, HCR78, HCR81, SCR19, SCR3, SCR6, SCR18, SCR11, SCR22, SCR2, SCR20, HCR6, HB64, HB68, HB92, HB130, HB258, HB633, HB801, HB61, HB98, HB102, HB139, HB142, HB170, HB185, HB194, HB199, HB231, HB247, HB294, HB336, HB474, HB661, HB842, HB852, HB301, HB359, HB657, HB675, HB680, HB727, HB79, HB251, HB625, HB769, HB775, HB783, HB895, HB1011, HB1057, HB1155, HB1186, HB1224, HB1245, HB1247, HB1253, HB1254, HB1255, HB1256, SB41, SB44, SB64, SB84, SB87, SB93, SB98, SB107, SB118, SB142, SB192, SB195, SB199, SB219, SB222, SB234, SB241, SB255, SB275, SB277, SB292, SB294, SB306, SB314, SB482, SB8, SB10, SB11, SB12, SB13, SB14, SB16, SB17, SB18, SB20, SB21, SB22, SB40, SB48, SB55, SB69, SB75, SB77, SB78, SB85, SB102, SB115, SB133, SB140, SB148, SB151, SB165, SB169, SB170, SB185, SB197, SB200, SB217, SB235, SB278, SB280, SB291, SB300, SB303, SB315, SB324, SB330, SB411, SB416, SB420, SB436, SB438, SB449, SB455, SB456, SB477, SB489, SB521, HB646, HB824, HB341, HB682, HB766, HB926, HB998, HB1051, HB1080, HB1201, HB1223, HB603, HB940, HB1191, SB47, HB901, HR20, HR74, HB284, HB306, HB366, HB393, HB458, HB577, HB582, HB605, HB614, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1240, SB82, SB89, SB149, SB382
FL

Florida 2026 Regular Session

Senate in Session Feb 19th, 2026

Florida Senate Floor Meeting

Transcript Highlights:
  • Substitute for Committee Substitute for Senate Bill 330, a bill to be entitled an act relating to disability
  • Substitute for Committee Substitute for Senate Bill 330, a bill to be entitled an act relating to disability
  • Members, autism is often described as an invisible developmental disability, meaning it may not be immediately
Summary: The Senate convened with an opening prayer, pledge, and several introductions recognizing visitors, students, local officials, and professional groups in the gallery. The chamber then took up a report from the Ethics and Elections Committee confirming 42 executive appointments; the report was adopted by a vote of 36-0. The Senate also adopted a resolution honoring the Ripple Project for childhood cancer awareness and funding. The bulk of the meeting was spent on special-order bills, many of them open-government sunset review measures and policy bills. The Senate passed bills preserving or updating public records exemptions for aquaculture records, trade secrets, and cybersecurity information; a child-abuse reporting statute of limitations bill; a commercial driving schools bill; a human trafficking training requirement for nursing graduates; a new injunction for protection against serious violence by a known person and its companion public-records bill; a nature-based coastal resiliency bill with an amendment restricting dredge-and-fill in Terra Ceia Aquatic Preserve; a chiropractic patient-funds bill; specialty license plate legislation; a one-time waiver for late financial disclosure fines; public school personnel compensation changes; the Florida Farm Bill with amendments protecting Everglades lands and technical corrections; homestead exemption clarification for long-term leaseholders; disability presumption clarifications for firefighters and law enforcement; reinsurance intermediary manager conformity changes; patriotic displays in public schools; ADS-B aviation fee restrictions; autism-related law enforcement training and a blue envelope program; public post-secondary safety policy requirements; and a bill allowing licensed agents to market health care sharing ministries. Several bills were temporarily postponed, including local vessel restrictions, temporary certificates for practice, and domestic animals. Members debated a number of measures, especially the health care sharing ministries bill, where opponents raised consumer-protection and commission concerns and supporters argued for free speech, religious liberty, and expanded consumer choice; it passed 32-5. Other debated bills included the autism law enforcement bill, the school athletics bill addressing coach support for student-athletes, and the Farm Bill, where senators discussed surplus land safeguards and biosolids timing. Most bills passed overwhelmingly, often 37-0 or 38-0, with a few closer votes such as the patriotic displays bill (36-2) and the health care sharing ministries bill (32-5).
TX

Texas 89th Regular

S/C on Juvenile Justice Mar 26th, 2025

S/C on Juvenile Justice

Transcript Highlights:
  • serve this population in different regards as well, and they understand that they are definitely developmentally
  • previous testimony was fantastic about the psychology and neuroscience evidence regarding the developmental
TX
Transcript Highlights:
  • If your phone was on and had not disabled government alerts, you would have received them.
  • And disabled veterans are living on higher-story floors because they have gentrified the projects.
  • I'm the Chief Executive Officer for Hill Country Mental Health and Developmental Disabilities.
  • Again, I'm the CEO of Hill Country Mental Health and Developmental Disability Centers, which provides
  • disabilities, and able to work with persons with autism.
Summary: The joint Senate and House disaster preparedness hearing convened in Kerrville with quorum, public testimony limited to three minutes and invited testimony to 10 minutes. Leaders from both chambers, along with the lieutenant governor and speaker, framed the hearing as an unprecedented joint effort focused on learning from the July 4 flood, honoring victims, and identifying actions to reduce future loss of life. The committee also heard opening remarks about decorum, logistics, and the intent to continue work in future sessions. The first panel included Kerr County Judge Rob Kelly, Sheriff Larry Leitha, Emergency Management Coordinator William B. Thomas IV, Kerrville Mayor Joe Herring Jr., Kerrville City Manager Dalton Rice, Upper Guadalupe River Authority representative William Rector, Kendall County Judge Shane Stolarczyk, and Real County Judge Bella Rubio. They described the flood as sudden and catastrophic, with Kerr County reporting 108 deaths and two missing. Local officials emphasized that they received no timely warning of the scale of the event, that responders and volunteers acted heroically under extreme conditions, and that communications, cell coverage, and rural emergency resources were strained. Several witnesses said the county’s existing alert systems were limited by geography, sparse broadband, and the speed of the flood. Testimony focused on possible improvements, including real-time flood gauges and predictive monitoring, stronger rural emergency management staffing and training, better interoperability and alerting tools such as IPAWS, CodeRED, WENS, and sirens, and expanded broadband and radio coverage. Kerrville asked for a flood warning system before next summer and state help for stormwater, floodplain, and disaster recovery funding. UGRA described its past and current flood-warning and mitigation efforts, including gauge funding, a new software-based flood prediction project, and consideration of additional retention dams. Kendall and Real counties highlighted successful or needed alerting and evacuation practices, while also stressing the difficulty of funding and maintaining such systems in small rural counties. Members asked detailed questions about the timeline of the flood response, low-water crossings, communications failures, sirens, bridges, and whether regional consolidation or additional infrastructure could improve future preparedness.
MN

Minnesota 2025-2026 Regular Session

Committee on Education Policy - 03/02/26

Education Policy

Transcript Highlights:
  • The revisions focused on ensuring developmental and age appropriateness, reducing redundancy, strengthening
  • To ensure developmental continuity, standards are organized by individual grades K through 5 and by grade
  • Uh to<01:05:03.119> ensure<01:05:03.680> developmental<01:05:04.720> continuity,
  • to ensure developmental continuity, to ensure developmental continuity, standards<01:05:05.839> are
Keywords: 1187, senate, all
MO

Missouri 2026 Regular Session

Emerging Issues Jan 20th, 2026

Emerging Issues

Transcript Highlights:
  • recommends that youth who identify as transgender have access to comprehensive gender-affirming, developmentally
  • We are permanently altering the developmental pathway of children who might otherwise grow up to be like
  • Feminine boys and masculine girls, like myself, were treated as developmental failures.
  • The developmental pathways for gender nonconforming homosexuals as children—for example, I was always
  • They impose a normative developmental timeline as if it were universally applicable.
Keywords: 959, house, all
MN

Minnesota 2025-2026 Regular Session

House Fraud Prevention and State Agency Oversight Policy Committee 4/7/26

Fraud Prevention and State Agency Oversight Policy

Transcript Highlights:
  • DHS, followed by a discussion on the OLA report on the alleged kickbacks in the Early Intensive Developmental
  • The first topic is the OLA report on the alleged kickbacks in the Early Intensive Developmental and Behavioral
  • Olson, a disability advocate for the state of Minnesota.
  • concerning the Department of Human Services' investigations of alleged kickbacks in the early intensive developmental
Keywords: 1183, house
MA

Massachusetts 2025-2026 Regular Session

Senate Session Jun 21st, 2026 at 11:00 am

Massachusetts Senate Floor Meeting

Transcript Highlights:
  • Pike, an employee of the Department of Developmental Services.
Keywords: 995, all
Summary: The Senate opened with the Pledge of Allegiance and a moment of silence for former Senator Ed Kennedy. Members then adopted an order to recess the joint session until Thursday, October 9, 2025, and approved a congratulatory resolution for People Incorporated’s new early education center. The chamber also took up two local bills, ordering both to a third reading and then passing them to be engrossed: House 2320, establishing an appointed treasurer-collector in Berkeley, and House 4136, further regulating stabilization funds in Leicester. The Senate later held an adjournment in memory of Paul Holloway, with remarks honoring his service as a firefighter and educator in Holland and Palmer, followed by a moment of silence. The chamber also considered several matters on final passage, including bills related to the Gloucester Fisheries Commission and an additional liquor license in Maynard, and it advanced a House bill establishing a sick leave bank for Candy J. Pike of the Department of Developmental Services by ordering it to a third reading. The Senate suspended Joint Rule 12 and referred a House petition to establish a sick leave bank for David A. Russell of the Department of Correction to the Committee on Public Service. Near the close, the Senate recognized National Faith in Blue Week and thanked law enforcement and faith-based communities. Members adopted an order to meet again the following Thursday at 11 a.m., dispense with printing a calendar, and then adjourned in memory of Paul Holloway.
LA

Louisiana 2026 Regular Session

Senate May 29th, 2026

Louisiana Senate Floor Meeting

Summary: The Senate convened with a quorum, received a prayer and pledge, adopted the journal, and heard messages from the House reporting final passage of several Senate bills and concurrence in SCR 86 and 87. The chamber also observed personal privileges honoring the lives of Edith K. Kirkpatrick and Susan Ann Traylor Bidick, with family members present and a moment of silence held for Bidick. The House later refused concurrence on Senate amendments to HB 42 and HB 159. The Senate then took up a series of resolutions, most of which were adopted without objection. These included studies on energy infrastructure and modernization (SR 174, amended to add an alternative energy industry representative and a consumer advocate), breast pump Medicaid reimbursement (SR 175), digital student IDs (SR 176), lethality assessment protocols in domestic violence cases (SR 177), problem gambling prevention (SR 178), community water system grading (SR 179), condolences for Sharon Courtney (SR 180), and expansion of the Louisiana Tumor Registry (SR 181). The chamber also adopted SCR 85 honoring the Sam Houston High School Broncos baseball team after a recorded vote of 36 yeas and 8 nays. On bills returned from the House, HB 1222 on grocery initiative grants failed on final passage by a vote of 18 yeas and 19 nays. SB 312 had House amendments rejected, SB 348 and SB 485 had House amendments concurred in, and SB 121 on congressional redistricting was the subject of extensive debate over racial gerrymandering, district configuration, and expected litigation before the Senate concurred in the House amendments by 28 yeas and 10 nays. The Senate also concurred in several House concurrent resolutions, including studies or reports on flooded corn and migratory waterfowl, deer hunting with dogs in Kisatchie National Forest, support for a Senator Kennedy letter to the Fish and Wildlife Service, boating safety reporting, and subsurface data review. Finally, HB 944 creating a Women’s Health Consortium within the Department of Health was amended to address funding concerns and convert it into a more task-force-like structure, then passed 37-0 with nine coauthors. The Senate then recessed until 1:30 p.m. to continue work, including conference committee reports.
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Feb 13th, 2026 at 11:03 am

New Mexico House Floor Meeting

Transcript Highlights:
  • Do you know how many disabled people there are in New Mexico? Thank you, kind lady.
  • Do you know how many disabled people there are in New Mexico? Mr.
  • On the average person that you see on a daily basis, do you know how, I mean, can you spot a disability
  • And that is true, because many people are disabled, but you can't tell necessarily by their appearance
NH

New Hampshire 2025 Regular Session

House Education Funding (01/30/2025)

Transcript Highlights:
  • appropriate children with disabilities appropriate children with disabilities are<00:25:58.919><
  • <00:26:52.960> sometimes accommodating his disability sometimes accommodating his disability
  • protects all students with disabilities protects all students with disabilities and<01:12:45.080
  • and developmental disabilities. doesn't matter what the student doesn't matter what the student background
  • <02:28:47.399> developmental<02:28:48.399> disabilities We've heard a lot about the range
Keywords: 928, house, all
Summary: The hearing focused on HB 563, which would revise the education funding formula for pupils receiving special education services by replacing the current single special education amount with three differentiated categories. Representative Rick Ladd, the prime sponsor, said the bill largely tracks a House-passed version from the prior session with minor figure adjustments, and explained that the proposal uses projected FY26 amounts for three categories based on time in general education versus more intensive placements. He also noted that the bill does not address catastrophic aid directly, but that special education aid, CAT aid, and proration all remain issues for later work sessions. Ladd and supporters argued that weighted categories better reflect actual costs and are more sustainable than treating all IEPs the same. Representative Margaret Drye said the approach was one of the best ideas from the education funding subcommittee and urged the committee to support differentiated aid. Representative Ames asked how the category amounts were derived, and Ladd said Category A follows the FY26 base, Category B is a higher weight, and Category C is a still higher weight for more intensive services, though he acknowledged the exact multipliers were developed earlier and could be revisited. He also said the committee would continue discussing whether the weights are appropriate and how they interact with CAT aid. Testimony from Bonnie Dunham strongly opposed the bill. She argued that funding based on placement rather than actual service need would create incentives to move students into more restrictive settings, could stigmatize children with labels such as "Category C," and would undermine the least restrictive environment requirements under federal special education law. She described her son’s experience in inclusive settings as beneficial and said the bill would have penalized the district for serving him there. In response to questions, she said schools and parents should base funding on the child’s actual needs and costs, not on placement, and urged the committee to recommend the bill inexpedient to legislate.
NH

New Hampshire 2026 Regular Session

House Judiciary (02/20/2026)

Judiciary

Transcript Highlights:
  • Um, saying that gender identity asserted with proper purpose or disability...” differences of of sexual
  • <01:44:04.719> Um, with proper purpose or disability.
  • Um, with proper purpose or disability.
  • <01:44:08.400> It identify that with the disability.
  • It identify that with the disability.
Keywords: 1189, house, all
MO

Missouri 2026 Regular Session

2026 Legislative Session - Day Sixty Nine - Wednesday, May 13

Missouri House Floor Meeting

Transcript Highlights:
  • Allstrom, originally from Napa, California, a former player and then the program coordinator for the Disabled
  • So I apologize that you got beaten for playing with salt and doing something that children do developmentally
  • That's the... ...you got beaten for playing with salt and doing something that children do developmentally
Keywords: 959, house, all
Summary: The House opened with prayer and the Pledge of Allegiance, then approved the House Journal for the prior day by a 123-0 roll call vote. Members then used points of personal privilege to recognize National Police Week and honor fallen law enforcement officers with a moment of silence, and several members gave farewell remarks for departing colleagues and interns. The chamber also introduced a number of special guests, including student groups, interns, a former representative, and the University of Missouri wheelchair basketball team. The House then took up Senate messages and committee reports before acting on House Committee Substitute for House Bills 1839, 2921, and 3015. The sponsor explained the Senate amendment was a technical correction to an online age-verification provision related to pornography; the House concurred 104-30 and then finally passed the package 112-25. The chamber also considered the conference committee report on House Bill 2596, which was described as a small-business health plan measure that modernizes pooled-plan language and adds a 12-month contraception coverage provision while removing a Senate-added blood pressure cuff requirement. After debate on the conference report and a severability clause, the House adopted the report 120-26 and then third-read and passed the bill 119-27. Finally, the House debated Senate Bill 905, which would create the Missouri Ranger training program allowing schools to optionally place specially trained personnel with narrow law-enforcement authority on campus. Debate focused heavily on school safety, local control, training standards, liability, funding, and whether the proposal would improve protection or instead increase the presence of guns in schools. Supporters argued it would give districts another optional safety tool, especially where school resource officers are unavailable, while opponents said schools need more mental health and educational resources rather than armed personnel and raised concerns about training, child development, and unintended harm. The House adopted an amendment clarifying the program after a 96-46 vote, but the transcript cuts off before final passage of the bill.
CA

California 2025-2026 Regular Session

Assembly Judiciary Committee Jun 30th, 2026

Judiciary

Transcript Highlights:
  • their personal needs or manage their finances because of cognitive impairments like dementia, developmental
  • disabilities, or traumatic brain injuries.
  • A Santa Clara County grand jury found that in one case, an individual with disabilities needing assistance
  • Samuel Jan, on behalf of Disability Rights California and Mental Health America of California, in opposition
  • No, anyway, it's not like they're disabled in any way or disenfranchised anyway, or they're leaving.
Keywords: 988, house, all
WA

Washington 2025-2026 Regular Session

Joint Legislative-Executive Committee on Budget Transparency and Fiscal Sustainability Jul 20th, 2026

Joint Legislative-Executive Committee on Budget Transparency and Fiscal Sustainability

Transcript Highlights:
  • We were also looking at some areas, big areas, like out-of-home placements for developmental disabilities
Summary: The committee held its first meeting, with co-chairs and members introducing themselves and staff outlining the committee’s statutory mandate under the 2025-27 supplemental operating budget. Staff explained that the Joint Legislative-Executive Committee on Budget Transparency and Fiscal Sustainability will receive technical assistance from a nonpartisan organization, with work split into two phases: first on revenue growth, spending assumptions, and cost drivers in the four-year outlook, and later on staffing, overhead, performance management, and public reporting. Members broadly said they hoped the committee would build a shared factual understanding of the state’s fiscal situation, structural deficits, and budget processes, and identify a sustainable path forward for the operating budget. Staff then gave a detailed presentation on operating budget basics. They reviewed the size and composition of the operating budget, noting that most spending is concentrated in grants/client services and salaries/benefits, with K-12, DSHS, HCA, DCYF, DOC, and higher education making up most NGFO spending. They explained the distinction between constitutional, federal, statutory, and discretionary spending, using examples such as K-12, Medicaid, collective bargaining agreements, court-driven obligations like McCleary and Trueblood, and one-time appropriations. They also walked through how the state uses incremental budgeting, carry-forward and maintenance-level calculations, caseload and per-capita forecasting, and the four-year balanced budget outlook, including reserve calculations and the budget stabilization account. Members asked extensive questions about what is and is not included in the outlook, especially future collective bargaining agreements, health care and compensation growth, tort and other liabilities, and whether the state could better distinguish mandatory from discretionary spending. Staff explained that current CBAs and other already-enacted obligations are included, but future CBAs are not; some liabilities are reflected as expenditures when appropriated, while broader long-term liabilities are not fully captured in the outlook because they depend on future policy choices. Staff also noted that the legislature and ERFC can adopt assumptions such as reversions and growth factors, and that an outlook accuracy report is produced every five years to compare projected and actual maintenance-level spending. The committee agreed to follow up on some of the more complex liability and assumption questions. After a short break, Josh Goodman of the Pew Charitable Trusts began a presentation on Pew’s role and approach to state fiscal sustainability. He described Pew as a nonpartisan organization with long-standing state fiscal research, emphasizing its 50-state comparative data, interviews with state officials and experts, and focus on long-term sustainability, reserve policies, and recession preparedness. The presentation was ongoing when the transcript ended.