Video & Transcript Research : 'conforming changes'

Page 141 of 500
CA
Transcript Highlights:
  • , climate change, technology changes, demographic changes.
  • , climate change, technology changes, demographic changes.
  • ILO impacts naturally change over time. climate change, technology changes, demographic changes.
  • use change, adjustment.
  • , as our community’s needs change, and as the world changes.
Summary: The hearing was a select committee discussion on the transportation costs and impacts of California’s Low Carbon Fuel Standard (LCFS), with opening remarks from the co-chairs and members emphasizing affordability, climate goals, and the need to explain the program’s benefits to the public. The first panel from CARB and the California Energy Commission described how LCFS works as a market-based, declining carbon-intensity program that rewards lower-carbon fuels, supports zero-emission vehicle infrastructure, and is intended to reduce greenhouse gases and local air pollution. They argued the program has driven billions in private investment, increased alternative fuel use, and that LCFS credit prices are not the main driver of retail gasoline prices, which they said are dominated by crude oil, refining, and distribution costs. Members questioned the panel on the gap between the regulatory target and actual carbon-intensity performance, the role of credit banking, which fuels are generating the most credits, how the 2025 amendments affected the program, and whether LCFS credits are truly additional. CARB explained that banking helps cost-effectiveness and investment certainty, that ethanol, renewable diesel, and biodiesel currently provide the largest volumes while electricity is expected to grow, and that the updated targets were informed by the state’s 2045 carbon-neutrality goals and the 2030 scoping plan. The Energy Commission said its data show environmental programs add some cost to gasoline but do not drive price volatility, which is mainly tied to crude oil and refinery margins. The second panel, featuring academic and research experts, focused on program design, out-of-state credit generation, and broader economic effects. Speakers said LCFS is successful because it ties incentives to emissions benefit, uses life-cycle analysis, and allows flexible compliance that lowers costs compared with more direct regulation. They also said the program’s benefits generally outweigh costs, that it can reduce air pollution disparities and support equity, but that some issues—especially indirect land use change, additionality, and older program assumptions—need more research and may warrant future rulemaking. One researcher noted that while LCFS likely raises gasoline prices somewhat, the effect is uncertain by design and usually smaller than normal market fluctuations, and another warned that limiting credit generation too narrowly could create legal and efficiency problems.
MN
Transcript Highlights:
  • <00:15:16.880> and contribute to the forecast change and contribute to the forecast change
  • that change. that change.
  • This change is due to a November.
  • Some of these changes can be year.
  • could be significant and could change could be significant and could change our<00:29:55.120>
Keywords: 1183, house
Summary: Minnesota Management and Budget officials presented the February 2026 budget and economic forecast, saying the state remains in a strong financial position but faces continued structural imbalance and significant uncertainty. Commissioner Aaron Campbell said the FY 2026-27 balance is now projected at more than $3.7 billion, up about $1.3 billion from November, and the FY 2028-29 planning period is projected to end with a $377 million positive balance. He emphasized that the improvement comes largely from higher projected revenues, especially individual income and corporate franchise taxes, but warned that the state is increasingly reliant on more volatile sources such as capital gains, interest income, and corporate profits. State Economist Dr. Anthony Becker said the national outlook improved slightly, with stronger projected GDP, consumer spending, and investment, but weaker payroll growth and ongoing trade-policy uncertainty. He noted that the forecast was complicated by missing federal data because of the federal shutdown, and that tariffs, immigration policy, equity markets, and possible AI-related shifts all present risks. Revenue projections were raised for the current biennium, including individual income tax receipts, sales tax revenue, corporate franchise tax revenue, and other revenues, while Becker stressed that federal funding threats, especially involving Medicaid and other entitlement programs, could materially alter the outlook. State Budget Director Anna Mingi said general fund spending in the current biennium is projected to be $68 million lower than previously estimated, but planning-year spending is up $152 million. The biggest spending changes came from education, where special education costs rose sharply after updated local spending data, and from human services, where a new prepayment review process for certain Medicaid benefits reduced projected spending by $133 million this biennium and $105 million in the next. She also said discretionary inflation is now estimated at $1.04 billion, up $104 million from November. Campbell closed by saying the state’s reserve remains at a record $3.8 billion and that Minnesota’s AAA bond rating and reserve policy help protect against downturns. He cautioned, however, that the long-term structural imbalance remains about $3.4 billion in the planning years, or $2.3 billion excluding discretionary inflation, and urged policymakers to offset any new spending with reductions. No votes or formal actions were taken; the meeting was a presentation and question-and-answer session on the forecast.
MN

Minnesota 2025 1st Special Session

Committee on Environment, Climate and Legacy - 04/04/25

Environment, Climate, and Legacy

Transcript Highlights:
  • number of changes here uh to the bill. number of changes here uh to the bill.
  • This has changed slightly.
  • This has changed slightly. The permits. This has changed slightly.
  • So the real change here is just if changes are needed on line 14.17, and then, because changes might
  • Section 9 was not changed.
Keywords: 1187, senate, all
MN

Minnesota 2025-2026 Regular Session

Committee on Higher Education - 02/26/26

Higher Education

Transcript Highlights:
  • . change. change.
  • We assume some changes.
  • So the changes that were session.
  • And in many cases, those changes vastly exceed both estimated and actual enrollment changes reported
  • and increased family need due to changes and increased family need due to changes in<00:47:41.680
Keywords: 1187, senate, all
CA
Transcript Highlights:
  • Through my research, I've seen how this program changes lives.
  • What does this change do for Duly enrolled students.
  • What does this change do for, duly enrolled students.
  • Yes, there's no change to that.
  • from CDE to inform any subsequent changes.
Summary: The committee heard an update on the administration’s Career Education Master Plan and the new California Education Interagency Council. Administration and agency staff described efforts to better connect K-12, higher education, workforce, and data systems, including the California Cradle to Career Data System, e-Transcript California, and a proposed career passport. They emphasized regional coordination with workforce boards and community colleges, and said the new council’s immediate tasks are to hold its first meeting by the end of June, enter into a data-sharing MOU, and complete a strategic plan by the end of November. Members asked about the council’s authority, reporting requirements, and how it would relate to the broader Master Plan for Higher Education; staff said the council will make recommendations but does not have implementation authority. The committee then took up the Governor’s proposed $100 million one-time expansion of dual enrollment grants and related changes to instructional minute requirements. Finance and the Department of Education said the proposal would support middle college, early college, and CCAP programs, add technical assistance, prioritize high-need LEAs, and reduce the minimum instructional day for certain dual enrollment students from 240 to 180 minutes to ease scheduling barriers. The Chancellor’s Office strongly supported the investment, citing access, acceleration, and equity benefits, while the LAO recommended rejecting the funding, arguing the state already provides ongoing support and that the proposal does not address major barriers. Members raised questions about adult learners, A-G alignment, reporting on outcomes and expenditures, rural access, transportation, staffing, and whether the funding would create lasting program capacity. The item was left open after discussion. The committee also considered trailer bill language to align the definition of long-term English learners across data systems. Finance and CDE said the change would simplify identification by defining LTELs as students who have not attained English proficiency within seven years and RTELs as students not proficient within six years, matching the dashboard and research-based timelines. CDE said the current mismatch between dashboard and assessment definitions creates confusion and delays, while some members and advocates worried the change could reduce earlier intervention or should be handled through policy committees rather than the budget process. The committee voted to reject the proposal and refer it to policy, though the administration said it still supports the budget language. Finally, the committee heard a proposal to extend the Supporting Inclusive Practices project by one year, through June 30, 2027. CDE said the project is promising but raised concerns about the contract structure and fiscal management, while Marysville Joint Unified School District testified that SIP had helped expand inclusive preschool and district-wide practices and reduce reliance on more restrictive placements. Members questioned why funds had not been fully encumbered and whether the remaining money should be redirected to areas with greater implementation need. The item was discussed but no final action was described in the excerpt.
MO

Missouri 2026 Regular Session

2026 Legislative Session - Day Fifty Nine - Tuesday, April 28

Missouri House Floor Meeting

Transcript Highlights:
  • O God Almighty, who does not change in a world of changes, who is forever loving, forever forgiving,
  • We're not changing SALT.
  • Courts change their standards, courts change their standards, but they can't do it if we statutorily
  • Courts change their standards, courts change their standards, but they can't do it if we statutorily
  • If there is a change to that, if there is a change... ...with the way their education is going on.
Keywords: 959, house, all
Summary: The House convened with prayer and the Pledge of Allegiance, approved the House Journal for the previous day by a vote of 123-1, and then recognized a series of special guests, including a physician, several sheriffs, school groups, interns, and other visitors. The chamber then moved into third reading and perfection of bills, with some measures sent to the informal calendar before debate began on House Bill 1758, which would make daylight saving time permanent in Missouri. Supporters argued it would end the twice-yearly clock change and could improve productivity and convenience, while opponents raised concerns about dark winter commutes, safety, and health effects. The bill passed third reading by a vote of 107-31 with two present. The House next took up House Bill 3329, which repeals expired or unused tax credits to clean up the statutes and reduce Department of Revenue reporting work. Members from both parties generally supported the bill as a government-efficiency and accountability measure, though one member questioned whether removing credits from statute could make them harder to revive later. The bill was perfected and printed without opposition. The chamber then considered House Bill 3405, which clarifies that the state and local tax (SALT) pass-through entity provision is a deduction rather than a tax credit, with sponsors saying the change would streamline Department of Revenue processing and improve the accuracy of tax credit reporting. That bill was also perfected and printed after discussion about tax administration and fiscal note implications. Finally, the House debated House Bill 2426, a parental rights bill covering education, medical, privacy, and related decisions for children, and applying a strict-scrutiny standard to government actions affecting those rights. Debate focused heavily on whether the bill merely codified existing protections or expanded parental authority in ways that could affect school records, recordings, evaluations, truancy, medical consent, and district transparency requirements. The House adopted House Amendment 1 by a vote of 98-25 with six present, an amendment addressing IEP procedures and requiring parental consent for certain major changes unless due process requirements are met. Further debate continued on the underlying bill, with supporters emphasizing parental involvement and opponents warning about unintended consequences for schools, child welfare, and existing legal standards.
MN

Minnesota 2025 1st Special Session

Committee on Finance - 01/23/25

Finance

Transcript Highlights:
  • <00:10:10.920> you annually to make technical changes you annually to make technical changes
  • <00:14:33.120> in Trends in the budget process changes in Trends in the budget process changes
  • legislature um would like to make Chang legislature um would like to make Chang es<00:25:28.600>
  • That hadn't changed for a long time.
  • proposed changes proposed changes and<00:50:27.480> Mr<00:50:27.760> nowman<00:50:
Keywords: 1187, senate, all
Summary: The Finance Committee met for its first 2025 meeting, with co-chairs Senator Marty and Senator Pratt opening the session and members and staff introducing themselves. No bills were heard; the meeting was focused on orientation and on reviewing the committee’s budget rules for the new biennium. Committee members and staff from both caucuses, Minnesota Management and Budget (MMB), and legislative fiscal offices were introduced before the presentation began. MMB fiscal staff Brian D. and committee fiscal staff explained that budget rules are a nonbinding agreement between MMB and House and Senate fiscal staff that guides how fiscal proposals are tracked and understood. They reviewed the history of the rules, noting that the current document reflects the most substantial update since the rules were first adopted in the early 2000s, and that the 2025 version was reorganized into eight sections after extensive interim work by House, Senate, and MMB staff. The presenters emphasized that the rules are updated annually, are intended to promote consistent fiscal tracking and transparent communication, and are used as guidance for budget bills rather than as law. The presentation highlighted several substantive rule areas: general tracking rules and comparison points for budget documents; appropriation drafting guidance; treatment of transfers, revenues, and inflation; planning estimates and “budget tails”; and rules for extending, canceling, or reappropriating existing appropriations. Staff also described new or revised provisions, including guidance on understanding current-law changes, using Department of Revenue estimates for tax revenue, and treating inflation in the forecast as a general pressure estimate rather than appropriated dollars. The committee was asked to review the updated rules, but no vote or formal action was taken during the portion of the meeting provided.
ND

North Dakota 2026 1st Special Session

Employee Benefits Programs Committee May 7th, 2026 at 10:00 am

Employee Benefits Programs Committee

Transcript Highlights:
  • The North Dakota program has changed, has evolved over time.
  • So the draft language does not change the deadline.
  • but I didn't go over those changes.
  • And, of course, no retroactive change for the vesting.
  • It seems like this sort of change will have an actuarial impact.
Keywords: 908, all
HI
Transcript Highlights:
  • amendments on page four line six change amendments on page four line six change the<00:01:37.439
  • , change the effective date to July 1, 2077, and pass with technical amendments.
  • , change the effective date to July 1, 2077, and pass with technical amendments.
  • strike out the word without and change strike out the word without and change to<00:30:28.960>
  • <00:32:34.480> all bill we're going to change all bill we're going to change all references
Keywords: 912, senate, all
Summary: The Senate Committee on Public Safety and Military Affairs met on January 29, 2025, and first took up deferred SB 259 on record keeping. The chair said Honu Police Department had submitted support, and the committee recommended passage with amendments, including a technical change to the effective date on page 4, line 6 to July 1, 2077. Vice Chair Elefante voted yes; Senators Fevella and Rhoads were excused; the recommendation was adopted. The committee then heard SB 603 and SB 608, both relating to veterans benefits consulting and compensation. The Attorney General’s office recommended amendments to address First Amendment, Contracts Clause, and savings-clause issues, and testimony was mixed, with several supporters from veterans-related organizations and several opponents, including some testifiers from the public and industry groups. The committee later adopted chair recommendations to pass both bills with amendments, including preambles about protecting veteran consumers from misleading or unfair practices, savings clauses, and effective-date changes to July 1, 2077. SB 601, relating to law enforcement search notices and securing entrances, drew support from the Office of the Public Defender and a private citizen who described the bill as a response to warrantless searches and a transparency measure; there was also opposition from Maui County police and one other testifier. The committee then moved to SB 871 on arson, where the Department of the Attorney General raised drafting and constitutional concerns and the Public Defender opposed the measure as vague, overbroad, and creating problematic sentencing provisions, while HPD supported it as a public-safety tool. The chair ultimately recommended SB 871 pass with amendments softening mandatory language, adding parole language, and changing the effective date to July 1, 2077; the recommendation was adopted. The final measures were SB 1130, exempting certain construction rebuilding materials from general excise tax in federally declared disaster areas, and SB 104, restricting solitary confinement in correctional facilities. The Department of Taxation requested third-party certification and a later effective date, and the committee adopted amendments reflecting those requests and moving the effective date to January 1, 2026. On SB 104, the Department of Corrections and Rehabilitation opposed the bill, citing staff assaults and existing policy updates, while the Oversight Commission, Public Defender, and multiple advocates supported it as a safeguard with oversight and due process protections. The committee passed SB 104 with amendments, including adopting the commission’s definition language, changing terminology to “restrictive housing,” and setting the effective date to July 1, 2077.
NH

New Hampshire 2026 Regular Session

Senate Finance (03/17/2026)

Finance

Transcript Highlights:
  • It's in a a change here in in wording.
  • It's just a change in definition, which is a pretty dramatic change that hasn't gone to the policy committee
  • is a pretty dramatic change that hasn't is a pretty dramatic change that hasn't gone<01:05:09.920
  • that you adopt with all the changes. that you adopt with all the changes.
  • So you're a couple of technical changes.
Keywords: 1191, senate, all
TX

Texas 89th 2nd C.S.

Human Services May 5th, 2026

Human Services

Transcript Highlights:
  • So, systems changes.
  • So in terms of changes that could be made to reduce error rates, I do think there are some policy changes
  • This isn't a small change; it's not an easy change, but one that we'd like to see considered as part
  • Bad actors adapt to changes quickly.
  • Ever since they changed it from mental health and mental retardation, dividing them and changing it to
Keywords: 1184, house, all
MN

Minnesota 2025-2026 Regular Session

Committee on Taxes - 04/16/26

Taxes

Transcript Highlights:
  • That doesn't change at all.
  • That doesn't change at all.
  • That doesn't change at all.
  • That doesn't change at all.
  • subdivision two uh has been changed. subdivision two uh has been changed.
Keywords: 1187, senate, all
AR

Arkansas 2026 Regular Session

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE Mar 18th, 2026

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE

Transcript Highlights:
  • So when we think about these changes to risk models, it's a big deal.
  • The IRA changed that.
  • When the Inflation Reduction Act changed the benefit design, it changed the percentage coming from each
  • In 2019, they changed that 50% to 70%.
  • And in 2019, they actually changed that 50% to 70%.
Summary: The committee received an update from Grant Wallace on the rebid and possible decoupling of the state’s Medicare Advantage retiree coverage. He said the state is exploring splitting medical and pharmacy benefits for post-65 retirees, with UnitedHealthcare as the incumbent vendor, and that preliminary estimates suggested savings of about $100 to $200 per participant per month. He outlined the expected timeline for final CMS rate announcements in April 2026, with contract amendments likely to come before the committee in May or June after review by the EBD Advisory Commission and State Board of Finance. Representatives from Segal Consulting then reviewed the history and current structure of the Medicare Advantage prescription drug plan, explaining that the plan was adopted after a 2021 recommendation and launched in 2023 alongside the existing Med-Sup option. They said the Medicare Advantage option has produced substantial savings, including a lower monthly rate than the Med-Sup plan and about $40 million in savings from initial enrollment, while also restoring pharmacy benefits for some retirees. The presenters then explained recent federal changes under the Inflation Reduction Act, including major changes to Part D funding, the direct subsidy, and risk-score methodology, which they said have made risk adjustment much more important and are driving interest in separating medical and pharmacy contracts. In response to questions from senators, the presenters said the Medicare Advantage plan covers post-65 teacher and state employee retirees, including retirees from state agencies and K-12 public schools. They also explained that the new Part D structure has reduced out-of-pocket costs for members, with a $2,000 annual cap and lower average member spending to reach it, while shifting more cost to the plan. No votes were taken and no formal action was reported; the committee simply received the update and was told to expect further information after the April rate notice. The meeting adjourned with the committee scheduled to return on May 13.
ND

North Dakota 2025-2026 Regular Session

House Appropriations Apr 15th, 2025 at 08:30 am

Appropriations

Transcript Highlights:
  • And really the only change to this is indicating that And really the only change to this is indicating
  • The change would be in Section 4.
  • is a pretty large change.
  • We're not changing or controlling any cost. We're not changing or controlling any cost whatsoever.
  • I think we made a change last session.
Keywords: 908, all
Summary: The committee met to consider four policy bills and discussed a possible later return to handle DOCR amendments and budget work. They first took up HB 1327, funding for the Agricultural Diversification and Development Fund, and adopted an amendment striking language that would have capped up to $10 million for agricultural infrastructure grants to political subdivisions. The bill was then passed as amended on a 22-0 vote, with Rep. Belts assigned as carrier. Next, the committee considered SB 2256, the Research Technology Park grant. Rep. Stemen offered an amendment reducing the appropriation amounts from the original figures to $10 million and $5 million levels, citing available funding; the amendment passed 19-3. The bill then passed as amended 22-0, and Rep. Stemen agreed to carry it. The committee then debated SB 2093, which combined a retired peace officers/surviving spouses benefit with an added income tax reduction. Rep. Munson moved to remove the income tax portion, and the committee agreed 17-4. The remaining peace officer benefit portion was then passed as amended 21-0, with Rep. Kempenich carrying it. Finally, the committee considered HB 2160, changing the state health plan from grandfathered to non-grandfathered status. Members discussed cost shifting, employee retention, out-of-pocket exposure, and the updated fiscal note; the committee adopted an amendment updating the appropriation figures to match the current PERS/Deloitte analysis, then passed the bill as amended 15-7-1, with Rep. Worry originally the carrier.
NH
Transcript Highlights:
  • It's a one-word change.
  • We're changing the word during to the word of and would ask for the House's support with that small change
  • <00:07:06.600> We're<00:07:06.720> changing It's a one-word change.
  • We're changing It's a one-word change.
  • slight change in the in the version that slight change in the in the version that we<00:08:19.680>
Keywords: 1191, senate, all
Summary: The Committee of Conference met on Senate Bill 429, which concerns a non-germane amendment related to the Parents’ Bill of Rights recording statute. Senate staff explained that the bill already exempted public events from the recording restriction, but a drafting issue in the underlying statute could be read to allow recording anywhere in a school whenever a public event was occurring. The proposed fix was a one-word change, replacing “during” with “of,” to make clear the exemption applies at a public event rather than merely during one. A House member asked whether the clarification affected the House amendment, and the Senate responded that it did not; the change was in the underlying statute and was being corrected now to avoid returning next year. The committee then recessed briefly for caucus. After returning, the Senate receded to the House position with the suggested word change in amendment 2026-1997S. The committee took a voice vote, with all members present voting in favor and none opposed. The members then agreed to place the report on the consent calendar, and both the Senate and House indicated they were willing to do so.
NH

New Hampshire 2025 Regular Session

Senate Election Law and Municipal Affairs (04/22/2025)

Election Law and Municipal Affairs

Transcript Highlights:
  • Assessed values can change. So the mill rate will change.
  • going to change on a lease for a car. going to change on a lease for a car.
  • <00:36:51.680> So change. Assessed values can change. So change.
  • Assessed values can change.
  • just want to address the the changes. just want to address the the changes.
Keywords: 1191, senate, all
CA
Transcript Highlights:
  • These changes will impact our emergency departments, hospitals, private, These changes will impact our
  • In other words, Medi-Cal coverage is life-changing and life-saving.
  • These are massive changes.
  • that we're talking about are ongoing changes.
  • Now, these changes reduce the impact that public charge has.
Summary: The joint informational hearing focused on the impacts of H.R. 1 on California’s Medi-Cal program and on community health effects from recent immigration enforcement actions. Committee leaders said H.R. 1 would sharply reduce federal funding, increase administrative burdens, and worsen access to care, especially for Medi-Cal enrollees, immigrant families, rural communities, and reproductive health patients. The second half of the hearing examined how ICE raids and related federal actions are creating fear, reducing clinic and emergency department use, and disrupting children’s access to schools and early childhood education. Department of Health Care Services Director Michelle Bass outlined the main H.R. 1 provisions affecting Medi-Cal: work requirements, semiannual eligibility redeterminations, shorter retroactive coverage, new cost-sharing, limits on provider taxes and state-directed payments, reduced federal support for emergency and lawful immigrant coverage, and a one-year ban on Medicaid funding for prohibited abortion providers. She estimated millions could lose coverage, with tens of billions of dollars in federal funding at risk. Planned Parenthood Affiliates of California warned the defunding provision could force clinic closures, service reductions, and loss of access to family planning, STI testing, and cancer screenings. The California Hospital Association said the financing changes could cut hospital revenue by tens of billions over 10 years and threaten access, especially for rural and safety-net hospitals. The Western Center on Law and Poverty argued the law would increase churn, paperwork, and uninsured rates, disproportionately harming working adults and people experiencing homelessness. Committee members asked about implementation timelines, notification systems, administrative costs, the effect on immigrant eligibility, and whether California could delay or mitigate some provisions. Bass said the state was still assessing federal guidance, planning county and provider outreach, and exploring a possible delay for work requirements and a transition period for provider-tax changes. Members also discussed how state budget actions may need to be revisited in light of H.R. 1, and how California might preserve access through state-only funding or other policy changes. In the second panel, CHIRLA, Los Angeles County Department of Health Services, and the Children’s Partnership described the health consequences of immigration enforcement. Speakers said raids and data-sharing fears are causing anxiety, trauma, and avoidance of care, with Los Angeles County reporting declines in emergency, urgent care, and clinic visits after enforcement actions. The Children’s Partnership said school and early childhood absences are rising in some communities and that enforcement is undermining children’s emotional well-being and access to education. Members asked for more data and discussed possible state protections, telehealth, mobile care, and legal and policy responses to reduce fear and preserve access to health and education services.
MN

Minnesota 2025 1st Special Session

Committee on Finance - Part 2 - 05/17/25

Finance

Transcript Highlights:
  • fully caught up with all the changes fully caught up with all the changes that<00:03:12.480>
  • associated with these changes in TRA. associated with these changes in TRA.
  • This change instead of buying a car.
  • was included in the amendment to change was included in the amendment to change to<00:40:15.359>
  • only with this recent proposed change only with this recent proposed change that<00:43:25.680>
Keywords: 1187, senate, all
TX

Texas 89th Regular

Intergovernmental Affairs Apr 1st, 2025

Intergovernmental Affairs

Transcript Highlights:
  • See if you would be open to a change on that.
  • Can you explain the changes?
  • So you anticipate a change in the federal code?
  • As a matter of fact, one of the changes we have in there, they've changed the definition.
  • changes in 1201.162 and 1201.165 that are changing, you know, something about the right of rescission