Video & Transcript Research : 'loan restructuring'
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KY
Kentucky 2025 Regular Session
Administrative Regulation Review Subcommittee (4-14-25)
Transcript Highlights:
- This regulation is being amended to allow nurse practitioners to apply for the Veterans Affairs nurse loan
- 01:19.520>
Veterans <00:01:19.920>Affairs <00:01:20.400>nurse <00:01:20.720>loan - the Veterans Affairs nurse loan the Veterans Affairs nurse loan repayment<00:01:21.600>
program
Keywords:
0:22 – Roll Call
0:30 – Approval of minutes
1:04 – Department of Veterans Affairs
2:06 – Board of Pharmacy
3:20 – Board of Optometric Examiners
39:26 – Board of Nursing
40:07 – Board of Emergency Medical Services
41:52 – Department of Fish & Wildlife Resources
44:36 – Transportation Cabinet: Department of Vehicle Registration
45:36 – Department of Alcoholic Beverage Control
47:00 – Cabinet for Health & Family Services: Department for Medicaid Services
49:59 – Cabinet for Health & Family Services: Department for Community-Based Services, 958, all
Summary:
The subcommittee approved the minutes from the previous meeting and then took up several regulations. The first was a Department of Veterans Affairs regulation, with a staff amendment, to allow nurse practitioners to apply for the Veterans Affairs nurse loan repayment program year-round and to make technical drafting changes. The committee heard from the Office of Kentucky Veteran Centers, then adopted the staff amendment and approved the regulation without objection.
The main item of the meeting was the Board of Optometric Examiners’ proposed amendment to 201 KAR 5:010, which would allow applicants to use the Optometry Examining Board of Canada written exam in place of part one of the National Board of Examiners in Optometry exam for licensure. The board said the change would improve access to care, provide an additional pathway for Canadian-trained candidates, and still require applicants to pass the remaining national board parts. Opponents, including NBEO officials, ARBO, Pearson VUE, and several optometrists, argued the Canadian exam is not equivalent, does not test the same biomedical science content, is not validated for U.S. scope of practice, and raises concerns about test security, transparency, and portability across states. They urged the committee to find the amendment deficient or vote no.
Committee members questioned both sides about prior communication with the board, whether Kentucky would be the first state to adopt such a change, the rationale for the proposal, and the cost difference between the exams. Supporters said the board had received some written comments and one phone call, and that the proposal was driven by access concerns and the presence of Canadian students. Opponents said they had not had direct discussions with the Kentucky board before the hearing. No final vote on the optometry regulation is reflected in the transcript excerpt, but the committee heard extensive testimony and rebuttal before moving on.
FL
Transcript Highlights:
- There are specific loans and criteria set just for some of those that are enumerated by prohibition in
- So if there's an entire section of the United States Small Business Administration that speaks to loans
- projects, and I can have an ordinance that goes ahead and honors the same criteria used to secure a loan
- residents will not be able to avail themselves of that help and support, that millions of dollars of loans
Summary:
The committee first heard SB 1134, which would extend the use of qualified private providers in the building permit process to residential solar energy systems and certain single-trade inspections, and would allow computer-based plan review tools. The sponsor said the bill is intended to reduce long solar permitting delays and lower costs. A late amendment clarifying the word “application” was adopted, and after some discussion about local permitting problems and the need to work with municipalities, CS/SB 1134 was reported favorably, with Senator Pizzo voting no.
The committee then took up SB 784, dealing with issuance of addresses and parcel identification numbers for plats. The bill sets a 14-day timeframe, and an amendment was adopted that would allow use of a private provider if the deadline is missed and would limit fee collection if verification is not completed. Members discussed whether the bill should include more flexibility and whether private providers are appropriate for this function, but the committee ultimately reported CS/SB 784 favorably. SB 1738, allowing counties that previously opted out of transportation concurrency to opt back in while maintaining current levels of service, was also reported favorably without significant opposition.
Next, SB 1080 on local government land regulation was presented as a measure to speed up development permit and order approvals, limit repeated information requests, prevent hearing delays, and impose penalties for noncompliance. Local government testimony argued it would rush planning and weaken public input, while supporters called it common-sense streamlining. After debate, the bill was reported favorably, with several no votes. SB 1260, which clarifies county constitutional officer budget procedures and creates an appeal process for clerks and supervisors of elections similar to that used by sheriffs, was also reported favorably after members raised concerns about county budget timelines.
Finally, the committee considered SB 420, as amended by a strike-all, which would prohibit counties and municipalities from adopting or funding DEI-related ordinances, programs, or policies, while carving out compliance with state and federal law and defining DEI-related terms. The amendment removed retroactivity and delayed the effective date, but members from both parties raised concerns about vague definitions, impacts on women- and minority-owned business programs, local commemorations, and the loss of attorney’s fees for prevailing counties. Public testimony was sharply divided, with many speakers opposing the bill as an attack on local control and inclusion, and a few supporting it as a merit-based standard. The amendment was adopted, but the bill drew extensive opposition in debate and was not yet reported in the portion of the transcript provided.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 4 on Climate Crisis, Resources, Energy, and Transportation Feb 26th, 2025
Transcript Highlights:
- It could if you want to use special funds to loan to the General Fund or shift costs to it, but absent
- more than five billion dollars in green projects in recent years, iBank's Climate Catalyst Revolving Loan
- After the initial deployment of NCIF funds, our loan repayments will revolve back to iBank and will be
- Catalyst is on its way to create a revolving loan fund that serves as a permanent source of capital to
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 2/26/25
Housing Finance and Policy
Transcript Highlights:
- just like you and I would, to build a new house or to buy a house, and they have to provide certain loan
- They have to meet debt-to-equity requirements, loan-to-value requirements, and these are all ways of
- just like you and I would, to build a new house or to buy a house, and they have to provide certain loan
- They have to meet debt-to-equity requirements, loan-to-value requirements, and these are all ways of
NM
Transcript Highlights:
- There was a capital project loan.
- Remember this: cities and counties can go get a 1% loan at the Environment Department for wastewater
- But if they'd go get those loans, maybe we flex capital enough and say, hey, you went and borrowed the
- money and re- Dollars, and you say, okay, well, five of us get in the room and we'll just pay off your loan
CA
Transcript Highlights:
- But that family's bills continue: rent, mortgages, loans, taxes, child care expenses, even as the family
- But that family's bills continue, rent, mortgages, loans, taxes, child care expenses, even as the family
- loses income and mortgages, loans, taxes, child care expenses, even as the family loses income and faces
Summary:
The Assembly Standing Committee on Public Safety heard several bills, with most of the discussion centered on criminal justice, public safety, and detention-related issues. SB 498 by Senator Becker would make prison electronic messaging free and end 15-minute limits on voice calls for incarcerated people; supporters said it would strengthen family ties and rehabilitation, while the bill advanced on a due-pass recommendation. SB 953 by Senator Niello would require DMV points to be recorded when a misdemeanor vehicular manslaughter case is dismissed through diversion; family members of crash victims testified in support, the ACLU opposed it as potentially discouraging diversion, and the committee passed the bill to the Transportation Committee.
The committee also heard SB 1306 by Senator Cortese, which would align California law with federal exemptions for certain GBL-containing chemical mixtures used in semiconductor manufacturing. The author and industry witness said the bill would reduce unnecessary regulation without affecting pure GBL, and it passed to Appropriations. SB 941 by Senator Padilla would cap commissary markups in private immigration detention facilities at 35% above vendor cost; supporters described high prices for basic necessities and poor conditions, and the bill advanced on a due-pass vote.
Members also considered SB 691 by Senator Wahab, which would require law enforcement body-camera policies to allow EMS personnel to request redaction of recordings before public release when patients are receiving medical or psychological treatment. Supporters framed it as a privacy measure, while sheriffs’ representatives raised concerns about overlap with existing law and local policy discretion; the bill moved forward on a due-pass recommendation. Finally, SB 562 by Senator Ashby would allow partial refunds of bail bond premiums when charges are not filed or are dropped early; supporters called it a fairness measure for low-income families, while bail industry representatives and some others warned it could reduce incentives to post bail and harm small businesses. The bill advanced on a divided vote. Several other items were adopted on consent or pulled by the authors, and the committee adjourned after completing its votes.
LA
Louisiana 2026 Regular Session
House of Representatives May 29th, 2026
Louisiana House Floor Meeting
Transcript Highlights:
- within the definition of professional degree programs and make it eligible for enhanced federal student loan
- individuals to have those degrees added as professional services so they can get the enhanced student loan
- individuals to have those degrees added as professional services so they can get the enhanced student loan
Bills:
HR310, HR314, HR316, HR317, HR321, HR275, HR276, HR279, HR282, HR286, HR289, HR292, HR295, HR302, HR319, HCR112, HR307, SCR59, SCR61, SCR62, SCR68, SCR69, SCR70, SCR54, SCR55, SCR64, SCR75, HCR3, HCR49, HCR66, HCR67, HB1, HB2, HB42, HB45, HB66, HB71, HB79, HB126, HB133, HB145, HB159, HB167, HB213, HB218, HB222, HB289, HB291, HB312, HB313, HB316, HB324, HB352, HB383, HB398, HB403, HB429, HB457, HB459, HB511, HB549, HB571, HB579, HB591, HB608, HB616, HB624, HB766, HB769, HB783, HB799, HB804, HB864, HB874, HB909, HB951, HB971, HB983, HB1005, HB1017, HB1051, HB1056, HB1095, HB1126, HB1129, HB1186, HB1193, HB1223, HB1224, HB1230, HB1235, HB1249, HB723, HB36, HB140, HB181, HB198, HB205, HB211, HB226, HB259, HB271, HB302, HB335, HB342, HB487, HB513, HB623, HB682, HB730, HB740, HB761, HB775, HB797, HB812, HB816, HB940, HB968, HB979, HB1028, HB1029, HB1038, HB1049, HB1084, HB1161, HB1194, HB1199, HB1201, HB1203, HB1247, HB1256, SB25, SB132, SB155, SB157, SB202, SB228, SB237, SB250, SB405, SB406, SB414, SB433, SB480, SB513, SB149, HB359, SB29, SB43, SB78, HB210, HB258, HB468, HB784, HB134, HB1117, SB42, SB274, SB382, SB449, SB300, HR74, HB463, HB715, HB998, SB80, SB268, SB444, SB479, HB901, HR20, HCR65, HCR71, HCR98, HB284, HB306, HB341, HB366, HB393, HB458, HB577, HB603, HB605, HB614, HB625, HB646, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1191, HB1240, HB1255, SB82, SB89, SB97, SB123, HB74, HB119, HB368, HB414, HB552, HB732, HB776, HB848, HB870, HB953, HB956, HB1236, SB208, SB217, SB283, SB387, SB389, SB401, SB408, SB469
Keywords:
oil and gas, orphan wells, inactive wells, shut-in wells, marginal wells, plugging and abandonment, well decommissioning, site remediation, site restoration, Oilfield Site Restoration, OSR program, financial security, bonding, taxpayer liability, public liability, offshore wells, onshore wells, coastal erosion, Department of Conservation and Energy, natural resources
CA
California 2025-2026 Regular Session
Senate Floor Session May 11th, 2026
California Senate Floor Meeting
Transcript Highlights:
- We can... five million on the distressed financial loan program.
- We can... five million on the distressed financial loan program.
- We can five million on the distressed financial loan program.
Summary:
The Senate met with a quorum, approved the journals, and took up several gubernatorial appointments. Senators confirmed Clint Kellum as Director of the Cannabis Control Department, Jennifer Osborne as Director of the Department of Industrial Relations, Dr. Trinidad Solis and Dr. Gerald Tolbrook to the Medical Board of California, with roll-call votes showing broad support. The chamber also adopted a request to remove SB 830 from the inactive file for return to the Assembly.
A major portion of the session was devoted to Senate Resolution 97, recognizing May as Asian and Pacific Islander American Heritage Month. Senators from multiple caucuses spoke in support, highlighting AAPI contributions to California, histories of exclusion and discrimination, solidarity with other communities, and the importance of visibility and representation. The resolution was adopted 39-0. The Senate also recognized numerous AAPI community honorees and guests, including leaders in advocacy, education, business, and public service.
Members then adopted several awareness resolutions: SCR 168 designating May as Motorcycle Safety Awareness Month, SCR 148 declaring May 23, 2026 as GM1 gangliosidosis awareness day, SR 95 proclaiming May as ALS Awareness Month, SCR 156 recognizing Stroke Awareness Month, and SR 110 marking National Hospital Week in California. Each measure was supported by personal testimony or remarks from members and guests, often tied to lived experience or advocacy work, and each passed unanimously or by unanimous consent. The Senate also honored retiring California Professional Firefighters president Brian Rice and heard additional floor recognitions before adjourning until May 14, 2026.
ND
North Dakota 2026 1st Special Session
Government Finance Committee Mar 19th, 2026 at 01:00 pm
Government Finance Committee
Transcript Highlights:
- again, that, and then if you look at B, C, D, and E, tip income, overtime pay, deduction for auto loan
- C, D, and E, tip income, overtime pay, deduction for auto loan interest, up to 10,000.
- course, are seniors, not all are going to get a deduction or apply for a deduction on whether it's auto loan
ND
North Dakota 2025-2026 Regular Session
Government Finance Committee Mar 19th, 2026
Transcript Highlights:
- again, that, and then if you look at B, C, D, and E, tip income, overtime pay, deduction for auto loan
- interest, up to $10,000, B, C, D, and E, tip income, overtime pay, deduction for auto loan interest,
- course, are seniors, not all are going to get a deduction or apply for a deduction on whether it's auto loan
Summary:
The Government Finance Committee met with new leadership, approved the December 11 minutes, and received a series of informational updates on the state’s finances and related policy issues. The Office of Management and Budget reported the general fund is tracking very close to forecast, with revenues about $2 million above forecast and an estimated ending balance of about $397 million, higher than previously expected. OMB also reviewed balances in major funds, including the budget stabilization fund, legacy fund, foundation aid stabilization fund, social services fund, and strategic investment and improvements fund, and answered questions about oil tax revenues and fund management.
The Tax Department provided updates on taxable sales and purchases by county and industry, noting Cass County as the largest county by taxable sales and that retail trade remains the largest industry sector. Tax Commissioner Brian Kroshus also discussed the federal One Big Beautiful Bill Act and its estimated effects on North Dakota income tax collections, explaining that the projected revenue impacts are measured against a 2025 baseline and that some provisions are temporary while others are permanent. He also reported that primary residence tax credit applications were running ahead of last year, with more than 154,000 received so far and an expectation of roughly 160,000-plus applications.
The committee also heard fee-study presentations from the Department of Transportation and the Information Technology Department. DOT explained that driver’s license fees cover only about half of program costs and that the shortfall is subsidized by the highway fund, while also noting recent changes such as the blackout plate and motor vehicle excise tax distribution changes. NDIT described its internal service fund model, current billing structure, and possible future changes to simplify invoices and billing frequency. Legislative staff also updated the committee on office space needs in Bismarck-Mandan and on legislative branch space planning, and subcommittees reported progress on fixed-route transit funding and regional jail capacity, including a visit to the Burleigh-Morton detention facility and discussion of future prison bed needs. No formal votes or legislative actions beyond approving the minutes were taken, and the committee adjourned with its next meeting set for June 25.
NM
Transcript Highlights:
- This was coming back from some sort of federal loan revolving fund that then they were using to assist
- And what they're asking is to not limit it to a grant or a loan. Thank you. Thank you.
- For example, $25 million should be contingent on legislation reforming the health profession loan repayment
TX
Texas 89th 2nd C.S.
S/C on Defense & Veterans' Affairs Apr 22nd, 2025
S/C on Defense & Veterans' Affairs
Transcript Highlights:
- for the cemetery operations and maintenance is generated by veterans paying off their land and home loans
- So when the veterans pay back their loans, that's how we fund the cemeteries.
- And they don't typically work in the veterans space, but if they did, those are loan shark rates, compounded
MN
Minnesota 2025-2026 Regular Session
House Agriculture Finance and Policy Committee 4/7/25
Agriculture Finance and Policy
Transcript Highlights:
- 20.159>
revolving to the A and environmental revolving to the A and environmental revolving loan - :23.360>
two <00:24:23.679>section <00:24:24.159>six <00:24:24.480>has loan - account section two section six has loan account section two section six has two two two cancellations
Bills:
HF2446
Keywords:
agriculture finance, broadband development, Department of Agriculture, Board of Animal Health, Agricultural Utilization Research Institute, Office of Broadband Development, food safety, food handler license, cottage food, home processed food, livestock dealer, meat packing company, milk marketer, milk marketing license, grain buyer, grain storage, beginning farmer, emerging farmer, farm down payment assistance, livestock investment grant
NM
New Mexico 2025 Regular Session
House - Chamber Meeting Mar 3rd, 2025
Transcript Highlights:
- Representative Brown, requests the consideration and study of establishing a performance-based and low-interest loan
- The 6.25 million is to the Drinking Water State Revolving Fund Loan Fund.
- But this is specifically carved out for 6,200 for the Water State Revolving Loan Fund.
FL
Florida 2025 Regular Session
January 14, 2025 - 03:30 PM
Transcript Highlights:
- But, you know, I think the offered tool is SBA loans.
- Well, that's not adequate if you have three hurricanes in a year and you're paying off a loan from the
- We heard from some of our chamber partners that businesses can't keep taking out these disaster loans
NH
New Hampshire 2025 Regular Session
House Judiciary (02/19/2025)
Summary:
The House Judiciary Committee opened a hearing on House Bill 148, with the chair limiting testimony to two minutes and asking for no outbursts so the committee could get through eight bills that day. Representative Kofalt, the prime sponsor, said HB 148 was the same as last year’s HB 396, which passed both chambers but was vetoed by the governor. He explained the bill would allow, but not require, separation by biological sex in bathrooms, locker rooms, houses of correction, and certain athletic competitions, leaving local school boards and administrators discretion to set policies. He argued the bill was meant to address safety and privacy concerns and cited a Milford incident and concerns in several school districts as examples of why local flexibility was needed.
Committee members questioned the lack of a definition of “biological sex” and how the bill would be applied. Kofalt said he did not think a definition was necessary because males and females are generally understood, and he said the bill would give local policymakers latitude to make practical rules. He also said the bill was intended to address situations where people might misuse transgender claims to access spaces inappropriately. In response to questions, he said he was aware of issues in Kearsarge, Milford, and Mascoma school districts and had heard of discomfort in the State House, though he did not know all the details.
Several opponents testified that the bill would discriminate against transgender and non-binary people and create enforcement problems. Executive Councilor Karen Hill said the bill would roll back New Hampshire’s anti-discrimination protections and conflict with the state’s Live Free or Die values. Alice Wade, a trans woman, said she had used women’s restrooms without incident and argued the bill would invite invasive enforcement and harassment. Representative La Selig said the bill was discriminatory and that bathroom concerns were being confused with unrelated harassment by cisgender males. Betsy Harrington supported the bill, citing a girls’ soccer game at Kearsarge that she said was disrupted by a boy playing on a girls’ team. Rosie Emer and her child testified against the bill, saying bathroom restrictions would increase anxiety and risk for trans and non-binary children. Stephen Scaer and Wendy Stallings supported the bill, arguing sex is biologically fixed and that excluding males from female spaces should not require genital inspections. No vote or final committee action was taken in the portion of the hearing provided.
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:
- This includes at our institutions of higher education, who have had grant cuts and federal student loan
- month, thanks to funding in the fiscal FY2025 budget, we launched the Commonwealth's first student loan
- So obviously, compensation packages also include things like loan forgiveness or loan repayment.
- And adding also $7.5 million for loan forgiveness for our educators.
- And adding also $7.5 million for loan forgiveness for our educators.
Summary:
The hearing was a Joint Committee on Ways and Means budget session held in Lawrence focused on the governor’s proposed FY27 education and local aid budget, with remarks from legislative co-chairs, local officials, and education agency leaders. Acting Mayor Giovanni Rodriguez and Superintendent Ralph Carrero emphasized Lawrence’s high-need student population, the importance of Chapter 70 and Student Opportunity Act funding, and the impact of state aid on schools serving many English learners and low-income families. Carrero highlighted Lawrence High School programs such as early college, dual degrees, career pathways, and early childhood classrooms embedded in the high school, while lawmakers introduced themselves and noted the importance of the hearing to their districts.
Acting Secretary of Education Amy Kershaw, Commissioner of Higher Education Noi Ortega, Commissioner of Elementary and Secondary Education Pedro Martinez, and Commissioner of Early Education and Care Amy Kershaw outlined the administration’s FY27 priorities. They described investments in literacy initiatives, universal school meals, student mental health, early college and career pathways, higher education affordability, community college and university student-success supports, preschool expansion, child care subsidies, and workforce supports for early educators. The commissioners also discussed federal funding threats, equity gaps, and the administration’s efforts to improve outcomes for Black and brown students, multilingual learners, students with disabilities, and low-income students.
Members questioned the panel about the local contribution formula study, the final year of Student Opportunity Act implementation, and the need to revisit Chapter 70 funding to better address rising costs such as special education, transportation, and health care. Officials said the local contribution study report is expected by the end of June, with a draft to be shared after data analysis and public comment. Commissioner Martinez said the Student Opportunity Act narrowed funding gaps but more work is needed, and he pointed to a proposed Accelerating Achievement Initiative to support the highest-need schools. Senator Oliveira also raised concerns about Chapter 70 disparities and asked about partnerships with libraries to support literacy, prompting discussion of broader early literacy collaboration.
CO
Colorado 2026 Regular Session
Colorado Senate 2026 Legislative Day 098 Apr 22nd, 2026
Colorado Senate Floor Meeting
Transcript Highlights:
- A place where a 12-year-old deposits a first paycheck, where a high schooler applies for a first loan
- Where a young person learns first loan.
- A 17-year-old applies for a first loan. A 20-year-old opens a credit line for college.
- A 17-year-old applies for a first<01:04:48.960>
loan. - A 20year-old opens a credit first loan.
Summary:
The Senate met with a quorum present, approved the previous day’s journal, and received several housekeeping notices, including corrected engrossments/enrollments and committee reports. The Committee on Education reported Senate Bill 23, and the Committee on Judiciary reported Senate Bill 149, both amended and referred to Appropriations with favorable recommendation. The chamber also recognized former Representative Lang Sias as a special guest and heard several moments of personal privilege, including introductions of guests connected to the Boulder Boulder race and the Leadership Program of the Rockies.
The Senate then took up Senate Resolution 6, designating April 2026 as National Donate Life Month. Supporters highlighted Colorado’s high donor registration rate, the work of Donor Alliance, and personal stories about organ and tissue donation saving lives. The resolution was adopted 34-0, with the current roll call added as co-sponsors. The Senate also adopted Senate Resolution 7, designating April 2026 as Second Chance Month. Proponents emphasized the impact of collateral consequences on people with criminal records, the importance of employment and reentry, and the value of redemption and public safety; the resolution passed 34-0 and the current roll call was added as co-sponsors.
Finally, the Senate considered Senate Joint Resolution 23, recognizing Young Americans Bank and the Young Americans Center for Financial Education for their contributions to financial literacy education in Colorado. The resolution cited House Bill 25-1192’s new financial literacy requirements and praised the organizations’ experiential learning model and statewide reach. Senators spoke about Bill Daniels’ legacy and the programs’ impact on students, including testimony that the institutions have served hundreds of thousands of Colorado youth. The resolution was read at length and discussed, but the transcript cuts off before a final vote is shown.
MN
Minnesota 2025-2026 Regular Session
November 2025 State Budget and Economic Forecast Presentation - 12/04/25
Minnesota Senate Floor Meeting
Transcript Highlights:
- stress of households, as evidenced by recent increases in delinquency rates for many categories of loans
- 00:09:44.720>
many <00:09:45.040>categories <00:09:45.519>of <00:09:45.680>loans - for many categories of loans. for many categories of loans.
- But I'd also like to point out that while delinquency rates on credit cards and some other loans have
- have gone up recently, uh, we're loans have gone up recently, uh, we're nowhere<00:45:22.319>
near
MN
Minnesota 2025 1st Special Session
House Higher Education Finance and Policy Committee 3/25/25
Higher Education Finance and Policy
Transcript Highlights:
- To date, federal and state governments have historically made investments in education support or loan
- investments in education support or loan investments in education support or loan forgiveness<00
- That's like R&R and get a home equity loan. That's like your HEAPER funding.
- That's like R&R and get a home equity loan. That's like your HEAPER funding.
- That's like your get a home equity loan.