Video & Transcript : 'insurance liability' :
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CA
California 2025-2026 Regular Session
Assembly Arts, Entertainment, Sports, and Tourism Committee May 5th, 2026
Arts, Entertainment, Sports, and Tourism
Transcript Highlights:
- business structures, the consequences of sports betting, disability, loss of value, or endorsement insurance
- A lot of times the schools won't vet other outside-entity deals for you, because of the liability.
- Now, because we as an institution, the liability I just mentioned, do not have necessarily the ability
- They have to show that they have a certain minimum coverage, liability coverage available to them.
- They have to show that they have a certain minimum coverage, a liability coverage available to them.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance Dec 8th, 2025 at 09:12 am
Transcript Highlights:
- Taxpayers often will overpay their SIT liability and leave a credit on balance with the state.
- They see their liabilities coming down for the future and so they're bringing down their cash balance
- Liabilities are coming down for the future, and so they're bringing down their cash balance with us.
- I think they keep some balance on hand just for questions about how much liability will be owed and to
- Just for questions about how much liability will be owed and to make sure that they're covered.
CA
Transcript Highlights:
- They need some assistance with training and liability issues for work-based learning.
- One, they participate in the part-time community college faculty health insurance program.
- Number two, those teachers that have no insurance, this provides to make sure they get health insurance
- Number two, those teachers that have no insurance, this provides to make sure they get health insurance
- And they don't have health insurance, so they have to do that.
Committee:
Senate Education
FL
Transcript Highlights:
- How did you come up with the one-year extension for the life insurance payment?
- I could have all the DRF insurance that I want.
- by our insurance.
- Okay, I'm not on Banking and Insurance and I'm not on Regulated Industries.
- Okay, I'm not on banking insurance and I'm not on regulated industries.
Committee:
Senate Appropriations
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/19/26
Commerce Finance and Policy
Transcript Highlights:
- producers, those folks who sell us life insurance, health insurance, property insurance, and casualty
- , health insurance, property insurance, health insurance, property and<00:03:19.280><c> casualty</c><
- </c><00:03:20.720><c> and</c> and casualty insurance for our home and and casualty insurance for our
- </c> uh limited liability partnership etc. uh limited liability partnership etc.
- </c> have private healthcare insurance. have private healthcare insurance.
Committee:
House Commerce Finance and Policy
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Mar 16th, 2026
Oklahoma Senate Floor Meeting
Transcript Highlights:
- This is something private insurance has always covered, but in a couple of instances, in a couple of
- states, there are insurers who are starting to not do that in In a couple of states, there are insurers
- It's private insurers that we are having continue to cover the physical status modifier.
- The reason behind prohibiting the class action liability is because that assumes that the entity has
- So why we're making this an emergency is these farmers can collect their insurance once a rule has been
Bills:
SB44 , SB546 , SB1213 , SB1256 , SB1287 , SB1443 , SB1644 , SB1653 , SB1716 , SB1209 , SB1826 , SB1919 , SB1930 , SB1976 , SB2028 , SB2067 , SB2072 , SB2117 , SB710 , SB1477 , SB1405
Summary:
The Senate convened with a quorum, offered the daily prayer and pledges, introduced the Doctor of the Day, and welcomed several student and guest groups to the gallery. The chamber also laid over a few agenda items before moving through a long general order calendar of bills, most of them explained briefly by their authors and then advanced without objection to final passage.
Measures passed included SB 44 on extending sales tax exemption treatment to contractors working for certain exempt entities; SB 546 on biometric data and controlled dangerous substance-related changes; SB 1213 on Department of Corrections inmate credit levels; SB 1256 requiring ignition interlock devices for repeat DUI bond situations; SB 1287 on abstractor licensing eligibility; SB 1443 on anesthetist physical status modifiers with an amendment excluding Medicaid plans; SB 1644 adding a reportable disease; SB 1653 joining the occupational therapy licensure compact; SB 1716 updating security breach notification rules and limiting class actions; SB 1826 removing a sunset from the local development and enterprise zone incentive leverage act; SB 1919 increasing the Tourism Development Act cap; SB 1930 on produced water handling and compensation; SB 1976 creating a tiered surety plan for small producers and then being adopted as an emergency; SB 2028 on raw milk advertising and labeling, also passed as an emergency; SB 2067 on financial institutions helping protect vulnerable adults from scams; SB 2072 on deed fraud and title theft; SB 2117 on contaminated grain authority and emergency treatment; SB 710 on teacher pathway pilot flexibility; SB 1477 restricting concurrent enrollment to traditional high school students and passed as an emergency; and SB 1405 reauthorizing the wildlife diversity income tax checkoff.
The only bill to draw notable floor debate was SB 1209, which was reconsidered after initially failing, sent back to general order, and then passed 26-18. Supporters said it would reduce delays in eviction proceedings by excluding Sundays and holidays from summons timing, while opponents argued it would mainly help tenants who are already behind and burden small landlords. Senator Pugh later noted a personal-interest abstention on that vote. Several other bills passed with recorded votes ranging from narrow to unanimous, and some were designated emergency measures after final passage.
The Senate concluded with announcements about upcoming events, including a reception, a visit from the Christian Employer Association, and the Bible reading marathon, and then adjourned until Tuesday, March 17 at 9:00 a.m.
TX
Transcript Highlights:
- relates to requiring the Texas Department of Motor Vehicles to establish standards for uniform cargo liability
- For the Committee on Insurance, HB 3736 by Schaffner relates to public health benefit coverage for care
- benefit plan coverage for permanent menopause and menopause medications, referred to the Committee on Insurance
- HB 3840 by Johnson relates to automobile insurance premium discounts for dashboard cameras for the Committee
- on Insurance.
ND
North Dakota 2026 1st Special Session
Joint Policy Jan 21st, 2026 at 01:00 pm
Transcript Highlights:
- You know, formulary issues that naturally come with insurance plans, including Medicare Part D, that
- can't have... ...pharmacy now and I said, I lost my insurance.
- No insurance. No insurance. And it's worked very well in Canada. It's over the counter.
- And right now, the way I read it is a very broad exception from liability. And you are...
- It's very broad, exception from liability.
Summary:
The committee first took up Senate Bill 2401, which would require physicians to complete continuing education on nutrition and metabolic health as part of the state’s rural health transformation effort. HHS supported the bill, saying it would help physicians better address chronic disease and preserve federal grant points tied to the state’s application. A member of the public also testified in favor, arguing that better nutrition education could improve diabetes outcomes and reduce costs. The committee then adopted an amendment to add the Board of Occupational Therapy Practice to the background-check statute so the occupational therapy compact could proceed, and it passed the bill as amended on a roll call vote.
The committee next heard House Bill 1621, which would require the Presidential Fitness Physical Fitness Test in elementary, middle, and high school physical education courses. HHS said the bill was part of the rural health transformation application and could help preserve federal funding, but members raised many questions about the test’s criteria, adaptive options for students with disabilities, equipment needs, and whether the bill should apply to non-public schools. Senator Clemens offered an amendment to limit the requirement to public schools, but it failed. Senator Hogan then offered an amendment to clarify exemptions and allow DPI to align implementation with federal guidance; that amendment passed. A further amendment adding language allowing DPI to establish criteria for and exceptions to the test also passed. The committee then approved the bill as amended on a roll call vote.
The committee also considered House Bill 1622, which joins North Dakota to the physician assistant licensure compact. HHS said the compact would improve access to care, especially in rural areas, support military families, and help preserve rural health transformation funding. Members noted the compact had been discussed in a prior session and that many earlier concerns had been resolved. After brief discussion about the compact process and its consistency with other interstate compacts, the committee voted to do pass the bill.
Finally, the committee began Senate Bill 2402, which expands pharmacists’ prescriptive authority and therapeutic substitution powers. HHS and the Board of Pharmacy supported the bill as a way to improve access to care and maintain rural health transformation funding. Senator Roers introduced a detailed amendment negotiated with the Board of Medicine and Board of Pharmacy to narrow and clarify the bill, including notification requirements, limits on certain drug categories, and patient-protection language for therapeutic substitution. The Board of Pharmacy then testified in support of the broader bill and explained the CLIA-waived testing provisions and the repeal of the older, narrower pharmacist-testing language. The hearing and amendment discussion were still underway when the transcript ended.
HI
Hawaii 2025 Regular Session
FIN Info Briefing - Tue Jan 7, 2025 @ 9:00 AM HST
Hawaii House Floor Meeting
Transcript Highlights:
- carriers and we do anticipate insurance carriers and we do anticipate that<05:16:02.320><c> we're</c
- And again, $200 million that was actually for the insurance ceiling increase, but you can see on our
- And again, $200 million that was actually for the insurance ceiling increase, but you can see on our
- And again, $200 million that was actually for the insurance ceiling increase, but you can see on our
- And again, $200 million that was actually for the insurance ceiling increase, but you can see on our
Summary:
The Committee on Finance received an informational briefing from the Department of Law Enforcement on its priorities following the January 1 transfer of law enforcement assets into the department, including the sheriff’s division, narcotics enforcement, criminal investigations, homeland security, and the inspector general’s office. DLE said its goals are to improve public safety, accountability, communications, training, and standards. The department outlined planned initiatives such as stronger federal partnerships, narcotics and gun-violence enforcement, an agricultural crime unit, traffic and commercial vehicle enforcement, an explosive/fireworks enforcement section, gun buybacks, new police facilities in the airport area, Aahu, and the leeward side, a state training center, upgraded law-enforcement IT, and efforts to narrow salary gaps with county departments to improve recruitment.
A major portion of the discussion focused on illegal fireworks enforcement after the recent explosion tragedy. DLE said its current task force is small and relies on ad hoc support from HPD, the Attorney General’s office, criminal investigations, and sheriffs, which is not sustainable. The department requested eight FTEs for the effort—one administrator, two clerical staff, and six investigators—plus funding for a laboratory, equipment, storage, disposal, vehicles, safety gear, and a criminalist. DLE said the explosive enforcement section would use an existing facility and that the initial lab startup cost is about $2 million. Members asked for follow-up materials, and DLE said it would send the explosive enforcement forms and additional details to the Finance and Judiciary chairs.
Members also questioned staffing vacancies, interagency coordination, and whether new specialized units could be filled. DLE said it has about 119 vacancies and that recruitment is hindered by a roughly $28,000 starting pay gap with county police departments; academy classes are down to about 12 to 14 recruits. The department said it is streamlining hiring, using QR-code recruitment, and hopes specialized units will attract applicants. On coordination, DLE said it works closely with HPD and other agencies on operations such as fireworks enforcement and public events, and that DOCARE remains a case-by-case partner but is not currently moving into DLE. The committee also received updates on the Silver Alert program, which is nearing rollout with county MOUs and a coordinator expected later in the month, the special duty officer program, which is being moved to a web-based vendor-managed system at no cost to the department, and the SaferWatch school safety system, which is being deployed statewide with annual software costs of $3,500 per school in the first year and $2,500 thereafter. No votes or formal actions were taken.
WA
Washington 2025-2026 Regular Session
House Labor & Workplace Standards Feb 18th, 2026
Transcript Highlights:
- A violation by a self-insured employer subjects the employer to penalties for delaying or refusing to
- A lot of the changes were really trying to make sure that we were addressing self-insured.
- A lot of the changes were really trying to make sure that we were addressing self-insured.
- And especially, like the self-insured, they have a much lower caseload.
- on with the self-insurers and with business.
Summary:
The committee heard public testimony on several labor-related bills. On Substitute Senate Bill 5874, staff and Senator McEwen described a proposal to let the Employment Security Department waive penalties for minor quarterly reporting errors by employers, especially inadvertent electronic filing issues involving occupational codes and job titles. No one testified in opposition, and the public hearing was closed.
The committee then heard extensive testimony on Engrossed Second Substitute Senate Bill 5847, which would expand injured workers’ access to medical providers, allow medically appropriate departures from L&I treatment rules, prohibit employers from requiring treatment from a specific provider, and set timelines for utilization review. Supporters, including workers’ advocates and union representatives, said the bill would improve access to care and reduce delays, while business groups opposed it as weakening the provider network and raised concerns about costs and claim duration. L&I said it could implement the bill with a technical fix and noted that the fiscal note was still being updated. A previously adopted claims-manager staffing amendment was discussed but not included in the version heard.
On Engrossed Second Substitute Senate Bill 5061, the committee heard testimony on requiring public works contracts to update prevailing wage rates annually rather than freezing them at bid time. Labor groups supported the bill as protecting workers from wage erosion on long projects, while contractor groups opposed it unless amended to allow change orders for wage increases above 5 percent, citing unpredictable jumps in prevailing wage rates and added risk for small contractors. L&I requested a delayed effective date to July 1, 2028 because of IT changes. The committee also heard testimony on Senate Bill 5944, which would make missed or canceled appointment payments bargained economic compensation for language access providers, and on Substitute Senate Bill 5972, which would extend interest arbitration rights to correctional employees in city and county jails regardless of county population. Labor groups supported both bills; counties and a city representative opposed 5972 over cost concerns and asked for fiscal safeguards.
Finally, the committee heard Engrossed Substitute Senate Bill 6302, which would require L&I to investigate possible misclassification when three or more independent contractors are used for the same type of finishing work on a public works project. Labor and contractor groups both supported the amended version, saying it targets misclassification without banning legitimate independent contractors. The hearing ended after testimony, with no votes or final committee actions taken during the meeting.
NM
New Mexico 2026 Regular Session
House - Chamber Meeting Feb 15th, 2026 at 01:58 pm
New Mexico House Floor Meeting
Bills:
HB145 , HR1 , HB80 , SB29 , SB37 , HB206 , SB193 , SB58 , SB64 , HB153 , HB195 , HB234 , HB248 , HB255 , HB279 , HB287 , HB292 , HB303 , HB309 , HB371 , SB30 , SB35 , SB40 , SB43 , SB48 , SB96 , SB143 , HJM1 , HM7 , HM17 , HM4 , HM22 , HM23 , HM24 , HM26 , HM2 , HM16 , HM32 , HM13 , HM47 , HM20 , HM51 , HM1 , HM31 , HM35 , HM36 , HM46 , HM53 , HM54 , HM39 , HM29 , HM43 , HM59 , HM11 , HM14 , HM21 , HM34 , HM50
Keywords:
high-wage jobs, tax credit, job creation, New Mexico, economic development, House Resolution 1, HR1, House investigatory subcommittee, special committee, legislative investigation, subpoena power, public corruption, criminal activity, Zorro ranch, Santa Fe County, public accountability, government oversight, impeachment power, children and vulnerable persons, public funds
CA
California 2025-2026 Regular Session
Assembly Labor and Employment Committee Apr 2nd, 2025
Transcript Highlights:
- Regarding the case highlighted by the Assembly member, those MetLife insurance call center workers were
- Regarding the case highlighted by the Assembly member, those MetLife insurance call center workers were
- turning over emails or other kinds of data to counsel, you would be required to disclose that to insurance
- We have a motion of due pass consent to the Insurance Committee on AB 765. Ortega? Aye. Flora?
- Laura Curtis, on behalf of the American Property Casualty Insurance Association, in respectful opposition
Summary:
The committee heard a series of labor-related bills, with most measures focused on worker training, privacy, wages, and safety. AB 296 would require schools or districts to host apprenticeship fairs at least once a year, with flexibility on how they are run and whether programs outside the county can participate. Supporters said it would help connect students to skilled trades and address workforce shortages; school administrators opposed the bill as an unfunded mandate that could be impractical for elementary schools. The bill was later moved on call, with the committee noting it could not vote until quorum was established.
AB 1221 and AB 1331 both addressed workplace surveillance. AB 1221 would restrict invasive monitoring tools, require notice to workers, limit the use and sharing of worker data, and require human review before discipline based on surveillance outputs. Labor groups supported the bill as a response to AI-driven monitoring, while business groups raised concerns about broad definitions, security cameras, investigations, and data-access provisions. AB 1331 focused more narrowly on privacy in off-duty and private spaces, limiting surveillance in places like restrooms, break areas, vehicles, and homes; hospitals and business groups opposed it as too broad and potentially disruptive to safety, cybersecurity, and facility monitoring. Both bills were advanced by committee vote.
The committee also heard AB 1181, which would require firefighter turnout gear to be free of cancer-causing chemicals such as PFAS by 2027, and AB 1198, which would require prevailing wage rates on public works to reflect the wage in effect when the work is performed rather than when the project was first advertised. Firefighter representatives strongly supported AB 1181, while the chemical industry asked to continue working on scope and timelines. AB 1198 drew support from labor and contractor groups but opposition from local governments and housing groups concerned about mid-project cost increases; it was passed to Appropriations after a roll-call vote. Other measures approved included AB 1235 on skilled-and-trained workers for CSU construction, AB 1251 on ghost job postings, AB 552 on locating the Agricultural Labor Relations Board office outside Sacramento, AB 1110 on updating Cal/OSHA workplace posters, AB 1136 on expanding high road training partnerships, and AB 1234 on wage claim enforcement. AB 692, which would ban employer debt agreements that require workers to repay training or other costs if they leave a job, drew strong support from nurses and labor advocates and opposition from business and health care groups; it was also passed on a roll-call vote.
US
US Federal 2025-2026 Regular Session
Organizational business meeting to consider an original resolution authorizing expenditures by the committee during the 119th Congress; to be immediately followed by hearings to examine the real impacts of debanking in America. Feb 5th, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- One would not consider that an asset—perhaps a liability—but it was my only means of transportation.
- Why should any federally insured bank or credit union not be required to offer a best practice account
- Customers' crypto that you've got to book as a liability and then put capital against it is ridiculous
- What you pay for your FDIC insurance goes up.
- They've been denied insurance policies and they've been denied the ability to renew coverage.
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/10/26
Commerce and Consumer Protection
Transcript Highlights:
- </c> Travel insurance is a unique insurance product not only because it contains insurance and non-insurance
- unique</c><00:29:36.120><c> insurance</c> Travel insurance is a unique insurance Travel insurance is
- </c> health insurance. health insurance.
- </c> payer insurance. payer insurance.
- </c> NCUA insurance. NCUA insurance.
Committee:
Senate Commerce and Consumer Protection
MA
Massachusetts 2025-2026 Regular Session
Senate Session Jun 21st, 2026 at 11:00 am
Massachusetts Senate Floor Meeting
Transcript Highlights:
- those economics at play, and the major one right now, and we see it in our state budget as health insurance
- So because we've had this really chaotic... ...is health insurance.
- down in Washington for the better part of the last 30 years on how to fix and actually make health insurance
- state whose entire 2.5% increase that they're allowed under state law is being eaten up by health insurance
- went to the GIC, and then, as was said, once you go through our other, you know, strict policy liabilities
Summary:
The Senate took up debate on the FY2026 general appropriations bill, with several members speaking in support of the Ways and Means budget. Senators Comerford, O’Connor, Feeney, and DiDomenico emphasized the budget as a values-driven response to federal uncertainty, highlighting investments in MassHealth, education, housing, food security, local aid, libraries, transit, mental and behavioral health, and support for vulnerable residents. They also praised the budget’s lack of new taxes and its focus on spending within available revenues, while noting major cost pressures from health care and federal policy instability.
Specific programs and items repeatedly cited included universal free community college, expanded financial aid, rural and minimum school aid, TAFDC/EAEDC increases, the Healthy Incentives Program, universal school meals, housing supports, Home and Healthy for Good, and funding for Pappas Rehabilitation Hospital. Speakers framed these investments as both fiscally responsible and morally necessary, and several noted that amendments would be considered during the debate. No votes on the budget itself were taken in the excerpt.
After the budget remarks, Senator Miranda spoke in recognition of Haitian Flag Day and the history of Haiti, including foreign interference and the importance of protecting Haitian immigrants in Massachusetts. Another senator then honored Malcolm X on the 100th anniversary of his birth, connecting his legacy to the budget process and calling for investments in equity, education, housing, and health care. The Senate then adopted an order to meet the next day at 10 a.m. with the general appropriations bill as the only item on the calendar, and adjourned.
FL
Florida 2026 Regular Session
Children, Families, and Elder Affairs Feb 10th, 2026
Children, Families, and Elder Affairs
Transcript Highlights:
- It also authorizes OIR to levy fines or penalties on insurance companies and DCF to levy fines or penalties
- We have a major problem with our CBCs being able to get insurance and liability insurance, and this is
- Providers who provide services are able to do it and be able to afford insurance to cover them.
Committee:
Senate Children, Families, and Elder Affairs
AZ
Transcript Highlights:
- Director, Department of Insurance and Financial Institutions: Charles Bassett.
- SB 1296, health insurance, private employers' coverage. Finance.
- SB 1296, health insurance, private employers' coverage. Finance.
- SB 1329, family court, professional personnel liability. Judiciary and Elections.
- SB 1347, health insurance, fertility preservation coverage. Finance.
Summary:
The Arizona Senate convened with prayer, the Pledge of Allegiance, attendance, and approval of the journal. The chamber then recognized several guest groups and proclamations, including Alzheimer’s Association advocates, Arizona Society of CPAs members, the Arizona Airports Association, and students from Onyose Day Academy. A proclamation was read declaring January 26, 2006, as Arizona Aviation Day, highlighting the economic and public-safety importance of Arizona’s aviation sector and its airports.
The bulk of the meeting consisted of points of personal privilege and floor statements, many focused on condemning recent deaths and injuries involving federal immigration enforcement actions in Arizona and other states. Senators called for investigations, transparency, due process, and an end to what they described as excessive force and warrantless enforcement. One senator also read a resolution supporting human rights and the people of Iran, condemning state violence and supporting secular protections and international accountability.
The chamber also handled routine business, including gubernatorial nominations, which were referred to the appropriate committees, and the introduction and first reading of numerous bills and resolutions covering topics such as taxes, education, immigration, elections, health care, water, labor, housing, firearms, and appropriations. After committee announcements, the Senate adopted a motion to adjourn and recessed/adjourned until Tuesday, January 27, 2026, at 1:15 p.m.
NH
Transcript Highlights:
- :16.720><c> not</c> Currently, private insurance does not Currently, private insurance does not cover
- </c> accountability for big insurance. accountability for big insurance.
- </c> inadequate insurance participation. inadequate insurance participation.
- </c> health insurance. health insurance.
- </c> but health insurance but health insurance is<05:59:46.558><c> costly.
HI
Transcript Highlights:
- insurance.
- Uh, is it the proper insurance? What do these liability provisions mean?
- </c><01:20:59.440><c> insurance.
- </c> like liability insurance. like liability insurance.
- What do Uh is it the proper insurance?
Committee:
Senate Judiciary
Summary:
The Judiciary Committee first took up decision-making on two judicial nominations heard the previous day. Governor’s Message 796, naming Annalisa En Bernard Lee as Circuit Court Judge for the Second Circuit (Maui County), and Governor’s Message 797, naming Michael K. Soong as Circuit Court Judge for the Fifth Circuit (Kauai), were both recommended for consent and adopted by unanimous roll-call votes.
The committee then heard testimony on Governor’s Message 801, the nomination of Vladimir P. Devens as Chief Justice of the Hawaii State Supreme Court. Support came from the Governor’s office, Honolulu Prosecutor Steve Alm, Honolulu Managing Director Michael Formby, the Hawaii Association for Justice, United Public Workers, HGEA/AFL-CIO, the Hawaii Filipino Lawyers Association, labor and trade unions, retired Chief Justice Mark Recktenwald, retired judges, bar and court officials, and many other individuals and organizations. Supporters emphasized Devens’ legal experience, work ethic, labor-law background, community ties, mentorship, and ability to manage the judiciary and address the appellate backlog. A few speakers opposed the nomination, including Chuck Freedman, who raised concerns about union influence and potential conflicts, and others who submitted opposition testimony.
Devens also testified, describing his Honolulu upbringing, education at UC Berkeley, six years with the police department, and more than 30 years in private practice before joining the Supreme Court. He said the chief justice role is primarily an administrative one, highlighted his experience with bar and judicial administration committees, and identified reducing the appellate backlog as a major priority. No vote was taken on GM 801 during this portion of the hearing.
MN
Minnesota 2025-2026 Regular Session
Prohibiting entities from engaging in election activity 3/12/26
Minnesota House Floor Meeting
Transcript Highlights:
- </c> benefits other than limited liability. benefits other than limited liability.
- Power is just limited liability, right?
- status or limited liability is conferred by<00:53:03.040><c> Minnesota</c><00:53:03.440><c> law.
- while that same insurance company is giving 30% raises to their CEOs?
- while that same insurance company is giving 30% raises to their CEOs?