Transcript Highlights:

• offering competitive rates, and serving the community across Kentucky with 23 banking centers and three loan
• offering competitive rates, and serving the community across Kentucky with 23 banking centers and three loan
• offering competitive rates, and serving the community across Kentucky with 23 banking centers and three loan
• offering competitive rates, and serving the community across Kentucky with 23 banking centers and three loan
• And serving the community across Kentucky with 23 banking centers and three loan production offices.

Keywords: U.S. House of Representatives Floor Proceedings on Monday, March 3, 2025, 1012, house, all

Transcript Highlights:

• The speaker added that 86% receiving financial aid does not necessarily mean loans.
• me<01:41:50.080> use<01:41:50.440> representative<01:41:51.040> lad's loans
• so let me use representative lad's loans so let me use representative lad's example<01:41:52.960>
• Don't take out loans that year. In fact, you're a year closer to the labor market.
• Don't take out loans that year. In fact, you're a year closer to the labor market.

Keywords: 928, house, all

Summary: The meeting was the first session of a newly created House Education Funding Committee, which also handles career technical education and higher education legislation. The chair explained that the committee was split off from the larger education committee because of the high volume of bills in the prior biennium, and said its focus would be on education funding policy and related fiscal issues. He noted that the committee had already reviewed major topics with the Department of Education, including the foundation formula, building aid, career technical education, special education aid, catastrophic aid, and higher education funding, and that chancellors from the university and community college systems were scheduled to appear later that morning. The bulk of the meeting was an orientation on committee procedures and decorum. The chair reviewed attendance and replacement rules, hearing procedures, time limits for testimony, and how the committee would handle crowded hearings, early bills, and fiscal notes. He emphasized that hearings are not debates, that sponsors and co-sponsors may present but should not use their position to dominate questioning, and that the chair controls whether additional technical questions are asked of witnesses. He also stressed neutrality, saying members should not display buttons or placards or engage in running debates with testifiers, and that the committee should treat all testimony respectfully regardless of party or viewpoint. Additional housekeeping guidance covered security procedures, use of cell phones and computers during hearings, breaks and hydration in the dry hearing rooms, and courtesy toward the clerk and other staff. The chair also asked members to notify leadership in advance of absences and explained that some bills may require larger rooms or overflow arrangements. No votes were taken and no bills were acted on during this portion of the meeting.

Keywords: 928, house, all

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.

Transcript Highlights:

• energy first line 44 state building energy revolving<00:09:30.399> revolving<00:09:30.959> loan
• <00:09:31.600> That<00:09:31.760> was revolving revolving loan fund.
• That was revolving revolving loan fund.
• much we're going to have to pay for projects, where we're going to source materials, whether we can loan
• money at a decent rate has we can loan money at a decent rate has become<00:53:33.920> substantially

Keywords: 1187, senate, all

Transcript Highlights:

• but not any type of financing, including but not limited<00:27:36.000> to<00:27:36.159> loans
• ,<00:27:36.559> equity<00:27:36.880> investments, limited to loans, equity investments
• , limited to loans, equity investments, and<00:27:37.440> credit<00:27:37.679> enhancement.
• dwelling unit revolving fund as collateral when the department acts as an eligible borrower for a loan
• dwelling unit revolving fund as collateral when the department acts as an eligible borrower for a loan

Keywords: 912, senate, all

Summary: The committees heard several housing-related bills and resolutions. HB 1298 HD3 would create a government employee housing revolving fund and a government employee 99-year leasehold rent-to-own program; testimony was generally supportive from HHFDC, labor groups, and the Maui Chamber, with the Tax Foundation and Budget and Finance raising concerns about the revolving fund. The committees recommended passage with non-substantive amendments for clarity and consistency, and the motion was adopted. HB 741 H2, which would exempt certain affordable housing projects financed by a certified nonprofit CDFI from prevailing wage requirements, drew support from housing advocates and opposition from several construction unions; the chairs said they were concerned about the labor objections and deferred the measure, with the labor committee agreeing to defer it as well. The housing committee then took up HB 417 HD1, which creates a housing efficiency and innovation subaccount in the rental housing revolving fund and allows HHFDC to transfer funds between the subaccount and the main fund without legislative approval. Testimony was largely supportive. The chair described a series of amendments, including changing the funding-efficiency standard, adding perpetual affordability language, allowing any land tenure type, broadening eligible financing tools, adding priority criteria for mixed-income projects and government-employee projects, and inserting blank appropriations tied to a requested $75 million per year and a $75 million subaccount appropriation for the HCDA 99-year leasehold project. The committee recommended passage with amendments, and the recommendation was adopted. HB 422 HD1, which would repeal school impact fees and move remaining balances to the school facilities special fund, drew broad support from housing and taxpayer groups and opposition from the Department of Education and some individuals. The School Facilities Authority and DOE argued the current system had not produced enough usable land or school sites and suggested narrowing the exemption to government housing projects’ construction costs instead of repealing the fee entirely. Members pressed DOE and SFA on how much land had actually been obtained and whether the fee had been effective; the discussion highlighted concerns about unused balances, school overcrowding, and the role of the Land Use Commission and county zoning in securing school sites. The committee did not take final action on the bill in the portion shown. The committee also heard STR 60/SR 45, urging HHFDC to develop a plan to meet housing demand, and STR 77/SR 60, addressing continued eligibility for housing credits for certain projects after repeal of Act 31; both sets of resolutions had HHFDC support, with DHHL supporting STR 77/SR 60 and Johnny May Perry opposing both.

Transcript Highlights:

• Because ebooks can't be shared through interlibrary loans, communities, and especially smaller and rural
• Ebooks typically can't be shared through interlibrary loan, which limits access, especially for smaller
• ><00:04:57.400> which<00:04:57.560> limits<00:04:57.880> access, interlibrary loan
• , which limits access, interlibrary loan, which limits access, especially<00:04:59.240> for<00
• charge and then every time it's loaned, the publisher would get paid off of that, which would then go

Keywords: 1187, senate, all

Transcript Highlights:

• for instance uh that cannot for a loan for instance uh that cannot be<00:36:13.280> Quantified
• is therefore likely qualified for a loan is therefore likely qualified for a loan so<00:36:26.480
• The only way that property would go away in an insolvency is if there's a default on a loan that the
• The dealers, uh, Lehman is the last example, I guess, but there was a savings and loan crisis before
• they needed to fund the margin loans they needed to fund the margin loans those<01:19:05.040>

Keywords: 1189, house, all

Summary: The subcommittee first took up several bills and repeatedly chose to retain or table them rather than advance them. House 167, dealing with past wax, was voted ought to pass; House 312 was retained because members said NCAA-related advertising and uniform policy issues were still unresolved; House 434, requiring insurers to provide rental cars for at least seven days, was voted inexpedient to legislate; and House 454, on biodegradable packaging claims, was also voted inexpedient to legislate after members said the proposal lacked a workable enforcement mechanism and would likely be only a symbolic state-by-state measure. House 721, making gold legal tender, was retained, with members saying the bill needed more work and that the issue was less compelling in New Hampshire because the state has no sales tax. The committee then discussed House 310, which was amended to create a study commission on blockchain and related regulatory issues. The amendment expanded the commission’s charge to include legal, regulatory, financial, technological, and environmental considerations, added review of federal developments, included blockchain-based trust and stable token issues, broadened membership, and extended the repeal and report dates by a year. Members said the commission would help New Hampshire develop expertise and a report for future legislation, while also noting that federal action could affect the state’s role. The amendment was adopted 8-1, and the bill itself was then retained. Finally, the subcommittee heard a revised amendment to House 406 on business filings and registered agents. The Secretary of State’s office explained that the amendment, drafted with input from the Business and Industry Association, narrows the bill to address fraudulent or unauthorized entity filings after a written complaint and sworn statement, sets minimum requirements for registered agents, bars use of commercial mail-drop addresses as registered offices, and allows removal or cancellation of fraudulent filings with penalties for false filings. Members asked about which entities must maintain registered offices and how the rules would affect home-based businesses; the sponsor said most New Hampshire business entities must have a registered office, with some exceptions such as domestic nonprofits and trade names. The discussion emphasized concerns about synthetic entities, identity misuse, and the need for a physical in-state registered agent address.

Transcript Highlights:

• Tax rates by 1 percentage point and deposits the increased revenues into the Hawaiian Homes General Loan
• Tax rates by 1 percentage point and deposits the increased revenues into the Hawaiian Homes General Loan
• <02:55:14.720> increase<02:55:15.160> in<02:55:15.359> autol<02:55:15.720> loan
• <02:55:16.239> and<02:55:16.439> credit as an increase in autol loan and credit as
• an increase in autol loan and credit card<02:55:16.960> delinquencies<02:55:17.760> and

Keywords: 910, house, all

Summary: The committee met on February 12 at 2 p.m. and heard several measures related to corrections, re-entry, law enforcement, retirement benefits, and gun violence prevention. On HB 10002, which would extend the Hawaii Correctional System Oversight Commission coordinator’s term and clarify unannounced inspection authority, the Department of Corrections and Rehabilitation said it had no objection to the term length or to 24/7 unannounced access. The commission’s chair, Commissioner Mark Patterson, asked for a longer term, saying the commission needs more time and stability to manage reform efforts after years without staff during COVID. Community Alliance on Prisons and Carolyn Eaton also supported a longer term, with both suggesting six years would better insulate the position from politics. The chair noted he had asked Chair Bot for background on the prior committee’s changes and said that could be discussed during decision-making. The committee then heard HB 67, which would require DCR to help inmates obtain civil identification documents such as IDs, birth certificates, and Social Security cards as soon as practicable, including for people in furlough or community placement programs. DCR said it supported the bill and described ongoing work with the city and county on ID machines and with agencies on certificates and Social Security cards. The Office of Hawaiian Affairs, the Oversight Commission, Community Alliance on Prisons, and the Office of Public Defense all supported the measure, emphasizing that identification is essential for housing, employment, and successful re-entry and noting the disproportionate impact of incarceration on Native Hawaiians. On HB 1183, which would classify certain law enforcement administrators and Department of Law Enforcement employees as Class A members for retirement purposes, the Department of Human Resources Development, the Employees’ Retirement System, and the Department of Law Enforcement all supported the bill. DHRD said it would help recruitment and retention, ERS said it had technical amendments to suggest, and DLE said the change would help with succession planning and allow the governor to appoint the most qualified leader. The committee also heard HB 1045, an emergency appropriation bill to cover payroll fringe benefits for Department of Law Enforcement personnel after salary funding had been shifted to other departments; Budget and Finance and DLE explained the need for the supplemental funding, and no opposition was noted. Finally, the committee took up HB 664, which would create an Office of Gun Violence Prevention, a grant program, a resource bank, and a special fund. The Attorney General recommended adding standards for grant awards and warned of overlap with the existing Gun Violence and Violent Crimes Commission, suggesting consolidation and repeal of the older commission to avoid duplication. Supporters included the Brady Campaign, Everytown for Gun Safety, Moms Demand Action Hawaii, a physician, and an Army veteran, who argued the office would centralize data, coordinate prevention efforts, and help secure outside funding. Testimony was mixed, with the chair noting 37 supporters, nine opponents, and three commenters, but no vote was taken during the hearing.

Transcript Highlights:

• It also helps rural America by providing a billion dollars in single-family direct home loans, $120 million
• It also helps rural America by providing a billion dollars in single-family direct home loans, $120 million
• It also helps rural America by providing a billion dollars in single-family direct home loans, $120 million
• It also helps rural America by providing a billion dollars in single-family direct home loans, $120 million
• It also helps rural America by providing a billion dollars in single-family direct home loans, $120 million

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, November 12, 2025, 1012, house, all

Transcript Highlights:

• And so we've got to look at better ways to pay these young people to pay off this immense student loan
• need to consider, you know, at the, at the federal level, there's the 10 years of service and you're Loans
• I think that within the state, uh, student loan forgiveness is incredibly important, and it's not, it
• the legislation that's been done on this, the, the way the funding is set up for, uh, for student loan
• and I sat on the board of the credit union, so I know that there was, there were some low-interest loans

Transcript Highlights:

• Then pivoting to secure a Farm Service Agency loan, and now I am having to pivot to find raw land. increase
• 00:15:23.040> have<00:15:23.279> six<00:15:23.600> months Farm Service Agency loan
• Uh farm<00:15:41.040> service<00:15:41.360> agency<00:15:41.680> loan<00:15:42.000
• > didn't<00:15:42.240> work<00:15:42.320> out farm service agency loan didn't work
• out farm service agency loan didn't work out as<00:15:42.720> well.

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

Transcript Highlights:

• clarify that the HPIA may contract with community development financial institutions for the condominium loan
• program, clarifying loan eligibility conditions, clarifying that the condominium loan loss reserves
• program is intended to incentivize community development financial institutions to provide loans at competitive
• associations to allow them to make necessary maintenance and repairs, clarifying that the condominium loan

Keywords: 912, senate, all

Summary: The committee heard several measures, beginning with SB 1061 on digital equity. Testimony was strongly supportive, including from Rosie Davis of the Maui County Area Health Education Center, who said Molokai and Maui need better digital access for telehealth and clinic services. Members discussed whether the bill should be consolidated with other digital broadband measures and asked about funding; the chair noted the draft used general funds but said federal money was now available for the navigator program. The committee later recommended SB 1061 be passed with an SD1, technical amendments, and an effective date of July 1, 2050, with members voting aye. The committee then heard SB 135 on macadamia nut labeling. Hawaiian Host Group and several supporters argued the bill would help align the industry around a processing solution and support growers and jobs, while the MacNut Association and Hamakua Macadamia Nut Company opposed it, saying the state lacks enough processing infrastructure and that existing law already covers labeling. In questioning, members focused on the lack of a current processing facility and the timeline for a new one on Hawaiʻi Island. After hearing mixed testimony, the committee deferred the bill indefinitely. The committee also considered SB 1657 and SB 1539 relating to the Agribusiness Development Corporation. Testimony on both measures was generally supportive, with ADC describing the Wāhō water system as serving about 5,000 acres and over 70 farmers, mostly small and medium growers, and saying the proposal would help expand service without asking for more water. The committee later voted to pass SB 1657 and SB 1539 with SD1s, technical amendments, and a July 1, 2050 effective date. Finally, the committee took up SB 891 on economic development and gaming. The hearing drew extensive testimony, including support from Boyd Gaming and Stanford Carr Development, and opposition from Native Hawaiian speakers who said Hawaiians must have a seat at the table and raised concerns about self-determination and outside control. Members questioned the scope of the proposed gaming working group, the number and makeup of members, and the need to review prior gaming bills and studies. In decision-making, the committee passed SB 891 with an SD1 and major amendments: adding tourism references, changing expense reimbursement rules so private gaming representatives pay their own expenses, expanding the working group to include Native Hawaiian, social services/behavioral health, DBEDT, law enforcement, and tax/professional expertise seats, deleting one proposed seat, and adding a July 1, 2050 effective date. The committee also reported that the recommendations were adopted by vote.

Transcript Highlights:

• <05:00:41.360> to<05:00:41.600> our to uh find or basically loans to our to uh find
• or basically loans to our beneficiaries beneficiaries beneficiaries including<05:00:44.160> uh
• that we have or one of the many loans that we have or turnkey<05:22:41.920> unit<05:22:42.638
• that's going to be construction loan that's going to be taken<05:24:21.840> out<05:24:22.000>
• by<05:24:22.240> the<05:24:23.040> uh<05:24:23.120> loans<05:24:23.440><

Keywords: 910, house, all

Transcript Highlights:

• Other challenges include rising costs, the inability to use interl loan for ebooks, and vendor non-disclosure
• inability<00:04:47.600> to<00:04:47.759> use<00:04:48.000> interl<00:04:48.639> loan
• to use interl loan for ebooks, and<00:04:49.840> vendor<00:04:50.240> non-disclosure<00
• through an interlibrary loan system or restrict the number of times the library may loan material, or
• Coulter said that he could not imagine buying a copy of a book and being told, “Oh, but we can only loan

Bills: HF3698, HF4243, HF4239, HF4241, HF4242, HF4240

Keywords: libraries, electronic books, digital audiobooks, licensing agreements, public access, campaign finance, elections, political contributions, disclosure, reporting thresholds, economic interest statements, financial disclosure, ethics, public officials, local officials, metropolitan governmental unit, metropolitan area, candidate filings, principal campaign committee, political committee

Transcript Highlights:

• I run a bank that does loans to help people buy homes and does lending around multifamily and construction
• <00:52:02.880> to Um, I run a bank uh that does loans to Um, I run a bank uh that does loans
• > great job of using the interest from great job of using the interest from their<01:27:22.719> loan
• 23.920> to<01:27:24.239> fund<01:27:25.280> the<01:27:25.600> good their loan
• portfolio to fund the good their loan portfolio to fund the good work<01:27:26.639> with<01:27

Keywords: 1187, senate, all

Transcript Highlights:

• to the postsecondary financial assistance board for a skilled nursing and hospital nurses retention loan
• to the postsecondary financial assistance board for a skilled nursing and hospital nurses retention loan
• to the postsecondary financial assistance board for a skilled nursing and hospital nurses retention loan
• to the postsecondary financial assistance board for a skilled nursing and hospital nurses retention loan
• to the postsecondary financial assistance board for a skilled nursing and hospital nurses retention loan

Keywords: MS Senate Floor - 19 February, 2026; 10:00 AM, 925, all

Summary: The Senate convened with a quorum, received an invocation from Reverend Kenny McGill, and approved dispensing with the reading of the journal, committee reports, and bill titles. The chamber then spent a substantial amount of time introducing guests in the galleries, including local officials, electric cooperative and farm bureau representatives, a doctor of the day, and student groups, with repeated recognition of workers involved in storm recovery and other public service efforts. Senators also offered brief remarks of support for Senator Warren Barnett’s recovery. The main business was the appropriations calendar. Senator Hopkins gave an overview of the budget process and projected FY 2027 general fund figures, noting that the Senate was still early in the process, had only considered Senate-originated bills, and was awaiting House bills such as education and Medicaid. He highlighted major budget pressures and items including university professor pay raises, agricultural unit increases, education enhancement funds, CAPEX projects, TRICARE funding, and a veterans home appropriation. He also noted that some bills were final passage while others contained reverse repealers and would go to conference. The Senate then considered several appropriations bills. Senate Bill 3051, the Department of Finance and Administration budget and related agencies, was explained by Senator DeBar; it included reductions tied to vacancy projections, contractual and nonrecurring funding changes, and reappropriations for America 250, the Capital City Water Project, coronavirus fiscal recovery expenses, and Bureau of Buildings invoices. It was adopted and passed by morning roll call. Senate Bill 3052, the Governor’s Office and Mansion budget, was presented as final action without a reverse repealer, with funding reduced from last year due to the loss of federal GEAR and EANS funds; it also passed by morning roll call. Senate Bill 3053, IHL general support, included a $2,000 professor raise and a $20 million CAPEX item, with a total budget of about $1.673 billion; it passed. Senate Bill 3054, IHL subsidiary programs, was explained as having no dollars over LBR and a total of $87.8 million, with a reverse repealer; after a brief question about the university professor raises, it too was adopted and passed.

Transcript Highlights:

• slides are just the various rescission of unobligated fund balances that you can see: $9 billion in loan
• . um 9 billion balances that you can see. um 9 billion in<00:16:10.880> uh<00:16:11.519> loan
• programs<00:16:12.639> that<00:16:12.959> would<00:16:13.199> really in uh loan
• programs that would really in uh loan programs that would really help<00:16:13.680> us<00:16:
• for their loans go back into<00:57:00.079> the<00:57:00.240> general<00:57:00.480>

Keywords: 912, senate, all

Summary: The Judiciary and Agriculture and Environment committees held an informational briefing on how recent federal policy changes, funding delays, cancellations, and layoffs are affecting Hawaii’s climate mitigation and adaptation efforts, and on the legality of some of those federal actions. Chair Carl Rhodes and Chair Mike Gabbard opened the meeting by framing it as part of an interim series on the rule of law and Hawaii’s response to federal actions. They noted there would be no public testimony, only invited presenters, and that questions would be held until the end. No votes or formal committee actions were taken. State climate change coordinator Leah Laramie described broad impacts from federal actions, including grant cancellations, litigation over terminated funding, staff cuts at NOAA and EPA, and the effect of the federal tax and spending law she said would raise energy costs, reduce grid reliability, and threaten renewable energy and transportation projects. She highlighted the loss or expiration of incentives for EVs and other clean-energy technologies, the termination of the Solar for All program and other rescissions, and the risk to major Hawaii projects such as Carbon Smart Commodities and other energy and land conservation programs. She also said the state’s attorneys general had taken numerous climate-related legal actions, including suits challenging federal cuts and the oil companies’ role in the climate crisis. Retired Justice Michael Wilson focused on the rule of law and climate justice, arguing that Hawaii is on the front line of climate change and that fossil fuel companies pose the greatest long-term threat. He said the state lacks a comprehensive climate protection plan despite the urgency of the crisis, cited UN and scientific warnings about a limited time horizon and severe warming, and pointed to projected local harms such as sea-level rise, beach loss, infrastructure damage, and major economic losses in Waikiki. His remarks emphasized the need for stronger planning and legal accountability, especially in light of federal rollbacks and the influence of fossil fuel interests.

Transcript Highlights:

• for TMOs in the metro and a $250 million for TMOs in the metro and a $250 million<00:32:45.519> loan
• /c><00:32:45.919> Mindot<00:32:46.480> for<00:32:46.720> construction million loan
• to Mindot for construction million loan to Mindot for construction coordination.<00:32:48.159> And
• But there are some policy differences in terms of the use of the funds, as well as the type of loan that
• There are some policy differences in terms of the use of the funds, as well as the type of loan that

Keywords: 1187, senate, all

Transcript Highlights:

• relevant that Salem, Inc. had recently been taken to court in numerous cases for failing to pay back loans
• numerous cases for failing to<00:14:34.639> pay<00:14:34.880> back<00:14:35.199> loans
• <00:14:35.920> and<00:14:36.160> where<00:14:36.399> multiple to pay back loans
• and where multiple to pay back loans and where multiple foreclosure<00:14:37.440> actions<00:
• obligations would be a relevant loan obligations would be a relevant factor<01:33:57.679> for

Keywords: 1187, senate, all

Transcript Highlights:

• Sixty-nine percent of Americans who took out a payday loan did so in order to pay a regular expense like
• And when there are heat waves or cold snaps, demand for payday loans surges.
• <01:17:32.600> did Americans who took out a payday loan did Americans who took out a payday
• loan did so<01:17:32.960> in<01:17:33.080> order<01:17:33.280> to<01:17:33.440>
• loan loan surges<01:17:41.320> lack<01:17:41.520> of<01:17:41.639> cooling<01:17

Keywords: 1183, house