Video & Transcript Research : 'rate deviations'
Page 137 of 500
FL
Transcript Highlights:
- Florida also has the highest fatal drowning rate in the nation for ages 1 through 4 and ages 0 through
- per year. ...to the present, drowning deaths in Florida have ranged between 350 and 500 per year, a rate
- He noted that recent reforms are bringing rates down and that agents in town last week testified about
- He added that recent reforms are lowering rates, that 150 agents were in town last week, and that their
- Murphy said rates are going down across the board, including in surplus lines and the admitted market
Keywords:
injunctions, protection orders, domestic violence, serious violence, court procedures, enforcement, risk protection, statewide communication system, pediatric care, emergency departments, hospital regulations, patient safety, health care standards, public records, violence protection, confidentiality, defamation, specialty license plate, specialty plates, motor vehicle registration
Summary:
The Committee on Fiscal Policy met and reported a series of bills favorably, covering health care, public safety, insurance, coastal resilience, juvenile justice, drowning prevention, transportation designations, and beach management. Senator Harrell presented CS/SB 68, requiring hospitals with emergency departments to adopt pediatric emergency care policies, training, designated pediatric readiness personnel, and participation in a national readiness assessment; it passed. Harrell also presented CS/SB 340, requiring nursing students to complete two hours of human trafficking identification training before licensure; it also passed. Senator Sharif’s CS/SB 32 and SB 210, creating a new injunction for protection against serious violence by a known person and the related public records bill, were both reported favorably. Senator Garcia’s CS/CS/SB 302 on nature-based coastal resiliency, Senator Jones’s SB 418 on law enforcement interaction with individuals with autism and the Blue Envelope Program, and Senator Martin’s CS/SB 1734 updating juvenile probation and detention officer definitions and related cost-share language were also approved.
The committee then took up several drowning-prevention measures. CS/SB 606 by Senator Smith would add drowning prevention and safe bathing education to postpartum materials and direct the Department of Health to create standardized materials; an amendment removed a records-retention requirement, and the bill passed. SB 428 by Senator Yarborough would expand the state swim lesson voucher program from children ages 0-4 to ages 1-7; it received strong support from advocates, including a young swim instructor and autism advocates, and passed. The committee also approved CS/SB 246, a specialty license plate bill that was amended to include the UFC plate and a First Responders’ Resiliency Foundation plate, and CS/SB 1028, which revises Citizens Property Insurance and clearinghouse procedures to prioritize admitted carriers and prohibit public funds for the clearinghouse; that bill drew discussion about market competition, Citizens’ exposure, and potential impacts on policyholders.
Additional measures reported favorably included SB 628, designating a portion of South Navy Boulevard in Pensacola as Warrior Sacrifice Way to honor the sailors killed in the 2019 Naval Air Station Pensacola attack, and CS/SB 636 on beach management, which would create a proactive pathway for coastal communities to obtain erosion-related designations and align with federal programs. Beach industry testimony supported the bill’s intent but raised concerns about perpetual easements and funding shortfalls. At the end of the meeting, members recorded additional votes on selected bills, and the committee adjourned.
FL
Florida 2025 Regular Session
April 16, 2025 - 08:00 AM
Transcript Highlights:
- In communication services taxes, the bill extends the current freeze on rate increases for local CST
- In the pari-mutuel card room taxes space, the bill reduces the card room tax rate on the monthly gross
- In the paramutual card room taxes space, the bill reduces the card room tax rate on the monthly gross
- Would they see a higher or lower rates, like what they're paying out of pocket?
- In those counties where the 80 to 120 exists, or for the supply, that can be market-rate housing.
Summary:
The Ways and Means Committee met on April 16, 2025, with one agenda item: PCB WMC-2502, the committee’s tax package. Chair Duggan presented the bill as a broad tax measure covering sales tax, tourist development taxes, ad valorem/VAB procedures, affordable housing property tax changes, tangible personal property, special assessments, fuel taxes, communication services taxes, corporate income tax updates, pari-mutuel/card room taxes, local incentives, and a redistribution of horse industry trust fund money. He also noted emergency rulemaking authority for the Department of Revenue and estimated a recurring state impact of $34.6 million in FY 2025-26.
Members questioned several provisions, including the aviation fuel tax repeal, the delay of the natural gas fuel tax, the extension of the local communication services tax freeze, the charitable trust corporate income tax clarification, the reduction in card room taxes, and the affordable housing changes tied to the Live Local Act. Public testimony included support from airlines, UPS, child care management, and others, while the Florida Restaurant and Lodging Association opposed the lifeguard/TDT change, the Florida Association of Counties and Florida League of Cities opposed the missing-middle exemption changes, and local government representatives raised concerns about revenue impacts and the loss of local opt-out authority. The committee also adopted Amendment 1 by Representative Rizzo, which limits certain special assessments on RV parks when based on square footage.
During debate, members split on some provisions but generally supported the package, with comments focused on aviation competitiveness, preschool assessment relief, lifeguard funding, affordable housing, and the horse industry funding shift. Representative Duggan closed by emphasizing that the bill was only the beginning of the process and would continue through conference and floor consideration. The committee then voted 16-1 to report PCB WMC-2502 favorably, with Representative Alvarez voting no.
NM
New Mexico 2025 Regular Session
House - Rural Development, Land Grants And Cultural Affairs Jan 23rd, 2025
House Rural Development, Land Grants And Cultural Affairs
Transcript Highlights:
- It's rated AAA by Standard & Poor's and AA1 by Moody's.
- What we're able to provide your communities is an interest rate lock.
- finally price that loan, it will be the lesser of that cap or whatever the current market rates are.
- But in the most recent years, we have seen significant fluctuations in interest rates, and there have
- Generally, our interest rates are below market.
FL
Florida 2025 Regular Session
Finance and Tax Mar 5th, 2025
Transcript Highlights:
- S property primarily rated rehabilitate, assess at a statewide level and you'll see that little lilla
- And and so this is what the millage rate gets apply to to determine Texas.
- We've been millage rate.
- So you see is that and inverse relationship between the 2 millage rate can come down.
- You'll see the millage rate statewide for school. Levies has gone down from almost 9.
MN
Transcript Highlights:
- The maternal mortality rate increases. The newborn mortality rate increases.
- The maternal mortality rate increases. The newborn mortality rate increases.
- The maternal mortality rate increases. The newborn mortality rate increases.
- The maternal mortality rate increases. The newborn mortality rate increases.
- The maternal mortality rate increases. The newborn mortality rate increases.
NH
New Hampshire 2025 Regular Session
Senate Executive Departments and Administration (04/16/2025)
Executive Departments and Administration
Transcript Highlights:
- The shareholders in the PDIP we have today are looking for the best rate of return because that rate
- The shareholders in the PDIP we have today are looking for the best rate of return because that rate
- The shareholders in the PDIP we have today are looking for the best rate of return because that rate
- The shareholders in the PDIP we have today are looking for the best rate of return because that rate
- you're going to hit the credit rating. you're going to hit the credit rating.
NM
New Mexico 2025 Regular Session
IC - Science, Technology and Telecommunications Nov 12th, 2025
Science, Technology & Telecommunications Committee
Transcript Highlights:
- , or overhead indirect cost rates, which will also have a great impact on the ability of our universities
- That's not the cause of pressure on rates in New Mexico.
- And maybe consider unique rates and/or tariffs for these new unique large loads like data centers and
- So, you were going over the rates, and I think that's where I got lost. Can you back up a bit?
- So, for example, with low-income rates, the legislature granted the PRC statutory authority to create
TX
Transcript Highlights:
- As tax rates are determined based upon certified taxable values.
- Therefore, they're not certified and they're not used in the determination of fiscal tax rates.
- While a veteran with a 100% VA disability rating pays 0% in property tax.
- Those with lesser disability rating receive very little in tax tax deduction.
- He's rated at 90% disability by the VA.
Keywords:
redistricting, election, Texas legislature, district composition, political representation, congressional redistricting, Texas House of Representatives, U.S. House, Congressional districts, district map, district boundaries, gerrymandering, voting rights, election law, apportionment, representation, special committee, PLANC2308, redistricting plan, elections
FL
Florida 2025 Regular Session
Regulated Industries Mar 4th, 2025
Transcript Highlights:
- It would be designed to recover the cost of the restoration costs and you spread out the rate impact
- Concerns the rate. Intensity of severe storms continue.
- We're also seeing rate cases at an increased rate impact.
- Some I use are coming in more frequently for rating cake to rate increases.
- built into that overall rate case.
FL
Florida 2025 Regular Session
February 5, 2025 - 12:30 PM
Transcript Highlights:
- , it's contracted at a rate plus so that the money can go back to them?
- It's contracted at a rate plus so that the money can go back to them. Is that what I understand?
- Also, the compliance rate in this program The compliance rate in this program for the people that participate
- Also, the compliance rate in this program percent higher than our normal case loads.
- Those rates fell at 1.5% and 0%. Of murder, those rates fell at 1.5% and 0.4%, respectively.
Summary:
The Criminal Justice Subcommittee heard an informational presentation from the Florida Department of Corrections on how the prison and community supervision systems operate after sentencing. Assistant Deputy Secretary Hope Gartman described the reception process for new inmates, including intake, medical and mental health screening, classification, custody and housing levels, gain time, and the department’s academic, vocational, substance abuse, chaplaincy, visitation, and communication programs. She emphasized that reentry begins on day one and that program placement is driven by risk and needs assessments, with facilities matched to inmates’ medical, mental health, and security requirements. Members also asked about family contact, visitor applications, inmate welfare trust funds, tablet access, private prison placement, staffing shortages, overtime, contraband interdiction, and waiting lists for programs; several follow-up materials were requested for distribution to all members.
Mr. Winkler then outlined community corrections, explaining the different supervision types under Florida law, including probation, drug offender probation, community control, sex offender supervision, conditional release, and addiction recovery supervision. He described the department’s monitoring tools, such as office and field visits, warrantless searches, alternative sanctioning for technical violations, telephone reporting for low-risk offenders, employment assistance, and mobile probation and reentry units. He said the department’s supervision success rate is about 62%, with more than 91% of successful completers not returning to custody within three years. Members questioned officer workloads, the use of radios and GPS check-ins, the rollout of uniforms and firearms, how violations are handled, and whether all circuits participate in alternative sanctioning; Winkler said the program is statewide and that the department is seeking funding for radios.
During public comment, Florida Cares Charity urged the committee to consider evidence on deterrence, parole, and recidivism, arguing that community supervision is less costly than incarceration and can be effective. James Beardy of the Florida PBA emphasized the dangers faced by correctional and probation officers, including long shifts, field searches, and working alone, and argued for higher pay and better support comparable to other law enforcement. The meeting concluded with the chair thanking the presenters and public speakers, and the subcommittee adjourned without taking any legislative votes or formal actions.
FL
Transcript Highlights:
- We make no claim that it impacts recidivism rates.
- That is the recidivism rate in Florida.
- That is the third-lowest recidivism rate in the United States.
- Is this chart, this is for... ...the rate.
- But I wouldn't claim that you'll see lower recidivism rates in... ...the IPs.
Summary:
The Senate Criminal Justice Committee met with Vice Chair Smith presiding in Chair Martin’s excused absence. After opening remarks from several senators, the committee heard a presentation from Department of Corrections Secretary Ricky Dixon on the state’s incentivized prisons program and related population-management efforts. Dixon said the department now operates eight incentivized prisons, which use enhanced privileges and programming for well-behaved inmates, and reported major reductions in disciplinary reports, staff assaults, inmate-on-inmate assaults, and uses of force compared with average institutions. He also described administrative management units for more disruptive inmates, short-sentence correctional institutions for those with less than a year to serve, and a reentry strategy that places inmates closer to home within 18 months of release. Dixon said Florida’s recidivism rate has fallen to about 21 percent, among the lowest in the nation, and emphasized that staffing, programming, and facility repairs remain ongoing needs.
Committee members asked about access to education and workforce training, staffing levels, contraband, technology upgrades, heating and air-conditioning maintenance, and whether incentivized prisons could be expanded. Dixon said educational access is improving but remains limited by eligibility and staffing, that the incentivized facilities are at capacity, and that expansion depends on adding more administrative management unit beds. He also said the department is increasing use of technology, improving maintenance oversight, and continuing efforts to reduce contraband and improve staff recruitment and retention. Several senators praised the department’s work and urged more funding for prison infrastructure and officer pay.
Public testimony largely supported the incentivized prisons model while calling for more seats, better staffing, and broader reforms. Family members of incarcerated people said the facilities were safer, more stable, and better for rehabilitation, though they asked for more programming, better treatment by staff, and clearer access to education and release-related opportunities. A Florida PBA representative emphasized that programs can only succeed with safe staffing levels and better pay and retention for correctional officers. No formal committee vote or bill action was taken, and the meeting ended after public testimony and closing remarks.
MN
Minnesota 2025 1st Special Session
House Health Finance and Policy Committee 2/24/25
Health Finance and Policy
Transcript Highlights:
- Happy to answer any questions. reimbursement rates counties Community reimbursement rates counties Community
- It looks at the base rate and it looks at the mileage charge with that.
- He said it looks at the base rate increase and the mileage charge.
- something with the Medicaid rates something with the Medicaid rates obviously<01:19:44.920>
we - Do we want to see a rate increase in a different fee area?
NH
New Hampshire 2025 Regular Session
House Science, Technology and Energy (01/21/2025)
Science, Technology and Energy
Transcript Highlights:
- could add additional costs to both rate could add additional costs to both rate payers<02:41:08.840
- moderating our rates as well.
- <02:50:18.760>
as an effect on moderating our rates as an effect on moderating our rates as - Rates were extremely high, and if I recall from earlier that term, the electrical rates of the co-op
- <04:22:52.040>
payers suffer but all the states rate payers suffer but all the states rate
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Revenue Jun 21st, 2026 at 01:00 pm
Joint Committee on Revenue
Transcript Highlights:
- Commonwealth's cigarette tax rate more closely with the rate charged in two larger states right next
- I'm not sure when the last time the rate was raised. Okay. We'll have to do it.
- That is the third worst rate in the nation, behind only California and New York.
- The study was done when the excise tax rate was only $2.51 per pack statewide.
- Massachusetts has a unique tax rate for cigarettes, smokeless, vapor, and cigars.
Summary:
The Joint Committee on Revenue held a long hybrid hearing on a wide range of tax bills, with testimony covering cigarette and tobacco taxes, nicotine pouches, contractor rental equipment exemptions, aircraft sales tax exemptions, rolling stock, advanced sales tax payments, a gun and ammunition excise tax, a digital services tax, and a psilocybin cultivation/tax proposal. Committee chairs outlined the hearing process and noted that 39 House-filed sales and excise tax bills were being heard for required reporting by November 28. No votes were taken during the hearing.
On tobacco-related bills, supporters including Senator Keenan, the American Heart Association, the American Cancer Society, and Tobacco Free Mass backed higher cigarette taxes and closing the synthetic nicotine loophole, arguing the measures would reduce youth initiation, encourage cessation, and offset health care costs. Retailers, wholesalers, and convenience-store groups opposed the increases, warning of smuggling, out-of-state purchasing, and harm to small businesses; premium cigar representatives argued cigars should be treated separately from cigarettes. The committee also heard testimony on H. 3067 and related bills concerning nicotine pouches, with public health advocates supporting taxation and industry witnesses urging a lower, more competitive rate.
Several other bills drew sharply divided testimony. United Rentals supported H. 3065 to simplify contractor rental equipment exemption paperwork, while airport and aviation groups opposed bills to repeal the aircraft sales tax exemption, saying it would hurt airport competitiveness and jobs. The Transportation Association of Massachusetts backed rolling stock tax exemptions, saying the current tax discourages fleet investment and interstate commerce. Restaurant industry representatives supported repealing advanced sales tax payments and changing penalty rules, saying businesses were hit with retroactive penalties after unclear pandemic-era changes. On H. 3082, an excise tax on guns and ammunition, gun violence prevention advocates, Roca, and Giffords supported the bill as a dedicated funding source for prevention and survivor services, while sportsmen’s groups opposed it as unfair to lawful gun owners and harmful to conservation funding.
The committee also heard testimony on H. 3208, a digital advertising services tax, with Representative Paulino supporting it as a way to capture revenue from online advertising and fund public needs, while the Chamber of Progress opposed it as costly and burdensome for small businesses and campaigns. Finally, multiple witnesses testified on H. 4050 regarding psilocybin cultivation and taxation: advocates from Mass Healing, Roca, the Reason Foundation, and individuals describing personal medical benefits urged a regulated, permit-based system, while the hearing ended after all signed-up speakers were heard and the chair adjourned the meeting.
MA
Massachusetts 2025-2026 Regular Session
Senate Committee on Climate Change and Global Warming Jun 21st, 2026 at 10:00 am
Senate Committee on Climate Change and Global Warming
Transcript Highlights:
- We're counting on SMART's updated innovations to save the grid and our rates.
- I will note that we are, as I mentioned, working on our program year 2026 rates.
- So we have adjusted rates that way. We are not done with that process.
- Now imagine redistributing that same $6.5 million across all ratepayers' base rates.
- net metering as opposed to the new proposed rates.
Summary:
The hearing focused on ways Massachusetts can accelerate solar deployment, lower costs, and preserve reliability as electricity demand rises and federal support for solar and other renewables changes. Chair Creem opened by emphasizing solar’s role in meeting climate mandates and peak demand, citing June heat-wave data showing behind-the-meter solar reduced wholesale prices and saved ratepayers money. Commissioner Elizabeth Mahoney of DOER said Massachusetts has grown from 3 MW of solar in 2008 to 3.5 GW today, highlighted SMART 3.0 as a flexible, evergreen incentive program, and said DOER is working on updated rates, interconnection reforms, flexible interconnection, net crediting, and a petition to the DPU to speed implementation. She also said Massachusetts joined the lawsuit over canceled federal Solar for All funding.
Committee members and witnesses discussed several policy changes to speed projects before federal tax credits expire, including automated permitting, remote inspections, faster interconnection, and changes to caps on municipal and regional solar development. Senator Barrett pressed Mahoney on whether the 10 MW municipal cap and regional caps should be lifted, and on whether the state should increase its solar tax credit to offset the loss of the federal residential credit. Mahoney said the municipal cap should be revisited and that interconnection cost allocation and other market issues need to be worked out before lifting broader caps. She also said DOER is open to automated permitting and is already developing a permitting portal under the 2024 climate law.
Industry and advocacy witnesses largely supported streamlining measures. Sunrun’s Bronte Payne urged removal of a proposed requirement that all net-metered facilities enroll in SMART, and recommended automated permitting, remote inspections, flexible interconnection, better hosting-capacity information, consumer protections, and continued support for Connected Solutions and virtual power plants. Permit Power’s Hannah Bernbaum and Solar App’s Matthew McAllister argued that smart permitting and remote inspections can significantly reduce soft costs and delays, with McAllister saying Solar App now operates in over 320 jurisdictions and saves about three weeks on average. They said remote inspections are already common and can be done safely with photos, video, and qualified third parties. Community solar and clean energy advocates, including CCSA’s Kate Daniel and Vote Solar’s Lindsay Griffin, supported a 10 GW solar target by 2035, a higher refundable state tax credit for low-income households, interconnection reforms, flexible interconnection, and preserving the option to build outside SMART so projects can retain renewable energy certificates. No votes were taken; the hearing was informational, and members requested follow-up materials and draft language from witnesses.
MN
Transcript Highlights:
- is affected by that, interest rates go up and we're needlessly paying money because we're perceived
- And we've been able to maintain our AAA rating, pulling out where we were in a nose dive in 2018 and
- hangs in the Minnesota's credit rating hangs in the balance.<00:18:51.920>
These <00:18:52.160 - is affected by that, credit rating is affected by that, interest<00:19:03.040>
rates <00:19:03.280 - go up and we're interest rates go up and we're needlessly<00:19:04.600>
paying <00:19:04.960><
CO
Colorado 2026 Regular Session
Colorado Senate 2026 Legislative Day 044 Feb 27th, 2026
Colorado Senate Floor Meeting
Transcript Highlights:
- <00:40:09.760>
of disproportionately higher rates of disproportionately higher rates of suicide - and death by overdose, rates and families impacted by opioid use.
- and death by overdose um suicide rates and death by overdose rates<00:42:54.240>
and <00:42:54.640 - and families impacted by opioid rates and families impacted by opioid the<00:42:56.720>
rates - were just uh significantly the rates were just uh significantly higher<00:43:00.800>
in <00:43
Summary:
The Senate convened with a quorum, approved the corrected February 25, 2026 journal, and received a series of committee reports. Those reports advanced several bills, including SB 110, SB 20, SB 115, SB 61, SB 35, SB 26, and SB 3, while SB 24 was postponed indefinitely. The chamber also confirmed or placed on the consent calendar several appointments, including reappointments to the boards of Fort Lewis College and the University of Northern Colorado, and later confirmed appointments to the Clean Fleet Enterprise.
The Senate elected Senator Kathy Kip as President Pro Tem by a vote of 21-12. It then took up SJR 013, recognizing Youth Mental Health Action Day, which was adopted 33-0 after remarks emphasizing youth suicide, rural behavioral health needs, and the importance of expanding access to mental health care. The Senate also passed SB 37, allowing local elected judicial officers to set weekend bonds, and SB 84, concerning privileges for certain state entities in connection with the state auditor’s fraud hotline.
In the Committee of the Whole, the Senate passed HB 1035 on second reading and HB 1064, concerning modifications to the youthful offender system, after adopting amendment L004. The House bill on youthful offenders was described as clarifying Department of Corrections contracting and helping youth with disabilities participate in YOS programming. The Senate also confirmed appointments to the Institute of Cannabis Research Governing Board. Several items were laid over, including SB 53, SB 43, and SB 21, and the chamber recessed until 11:30 a.m.
KY
Kentucky 2026 Regular Session
House Legislative Session Day 18 (2-2-26)
Kentucky House Floor Meeting
Transcript Highlights:
- The board retains responsibility for planning, fiscal oversight, rate setting, and performance under
- This bill will allow terminal net salvage to be properly accounted for in electric rates, not because
- In plain terms, if not for House Bill 398, future rate payers would be forced to pay twice: once for
- Speaker, in the rate study, um, it's thousand pages plus, and all those things are lined out in that
- Speaker, in the rate study, um it's >> Mr.
Keywords:
Convene 00:00
Senate Message 05:04
Orders of the Day 06:01
HB 143 06:11
HB 164 08:07
HB 314 11:07
HB 398 21:17
Motions, Petitions, and Communications 29:02
Introduction of New Bills and Resolutions 34:01
Recess for ConC/Rules Meeting 35:40
ConC/Rules Report 40:15
Floor Amendments 41:15
Adjournment 41:26, 958, all
Summary:
The House convened with prayer, the Pledge of Allegiance, and a roll call showing 95 members present. The chamber approved the prior journal, received notice that the Senate had passed Senate Bills 20 and 68 and requested concurrence, and then moved to floor action on several bills. House Bill 143, relating to fiduciary bonds, was explained as removing the requirement that a fiduciary sign a bond in the presence of a court clerk or notary public; it passed 94-0. House Bill 164, relating to hearing aid coverage and related services, was described as increasing the coverage cap from $1,400 to $2,500, updating the definition of hearing aid, and adding network adequacy requirements; it passed 93-0 with one abstention.
The House then considered House Bill 314, relating to the Kentucky Communications Network Authority and declared an emergency. Supporters said the bill was intended to address long-standing concerns about KentuckyWired management and oversight. A committee substitute and floor amendment were adopted, and the bill was explained as moving KCNA into the Finance and Administration Cabinet, transferring its functions to the Commonwealth Office of Technology, abolishing the separate executive director position, and reconstituting the board with new members and appointments. The bill passed 80-13. House Bill 398, relating to decommissioning costs for electric generating units, was presented as allowing terminal net salvage to be included in rates so utilities can recover end-of-life plant costs over time rather than through larger future spikes; after questions about PSC authority and safeguards, it passed 78-15.
After the orders of the day concluded, members made announcements about upcoming committee meetings and a birthday recognition. House Resolution 7, recognizing guiding principles for elections in Kentucky, was reported as having passed unanimously in committee and was adopted without objection. The House also received the report of the Committee on Committees and the Rules Committee, which referred several bills and resolutions to standing committees and posted House Bills 194 and 393 for the next regular orders. The chamber then adjourned until 2 p.m. Tuesday, February 3, 2026.
TX
Transcript Highlights:
- So House Bill 3 has this automatic method, uh, of compressing tax rates.
- rates begin to get compressed.
- I mean, there's some states that have been increasing spending at a higher rate.
- Some states have been increasing spending at a lower rate.
- Basically, birth rates have, have been coming down.
NH
Transcript Highlights:
- rate based on the state's current cost of borrowing, not the Federal Reserve Bank of New York's rate
- fund to punishingly high rates.
- Why it is prudent to make a bad rates.
- <01:57:34.639>
has depends on how the interest rate has depends on how the interest rate has - . rate. rate.