Video & Transcript Research : 'automatic weapon'

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TX

Texas 89th Regular

89th Legislative Session Mar 5th, 2025

Texas House Floor Meeting

Transcript Highlights:
  • HB 850 by Lalani relating to the availability of automatic external defibrillators in a cardiac emergency
  • to the required Licensed Firearms Dealership Report, certain sales or transfers of multiple semi-automatic
Keywords: 1184, house, all
CA
Transcript Highlights:
  • Automatically equate to, like, a specific reduction, but we do take note and we are trying to find those
  • And I think that you will automatically have to look at that relative cost of improvement, relative incremental
Keywords: 988, house, all
MN

Minnesota 2025-2026 Regular Session

Committee on State and Local Government - 04/23/26

State and Local Government

Transcript Highlights:
  • establish an account, and that we would utilize general fund surplus dollars could be added in a sort of automatic
  • establish an account, and that we would utilize general fund surplus dollars could be added in a sort of automatic
  • Would utilize general fund surplus dollars, could be added in a sort of automatic way to this account
Keywords: 1187, senate, all
FL

Florida 2026 Regular Session

Senate in Session Mar 13th, 2026

Florida Senate Floor Meeting

Transcript Highlights:
  • unanimous consent of the chair and the vice chair, that provision is waived, and the money will just automatically
  • That provision is waived, and the money will just automatically be given out when it's requested.
  • I don't know that I would agree with automatically given out when requested a process.
Summary: The Senate opened with prayer, the Pledge of Allegiance, and several guest and staff introductions. The chamber then took up returning messages from the House and acted on multiple bills, with votes recorded on each. Senate Bill 628 on transportation facility designations was concurred in as amended and passed 31-4 after discussion about naming roads for deceased individuals and an exception for President Trump. The House amendment to the Live Local affordable housing package, CS/CS/HB 1389, was also concurred in and passed 35-0; Senator Claudio explained it as the fourth iteration of the Live Local Act, including new provisions allowing certain affordable housing on qualifying religious property, extending some timelines, and removing accessory dwelling unit language. CS/CS/HB 1451 on utility services was concurred in and passed 30-6 after questions about phasing out surcharges and reporting requirements. The chamber also substituted CS/CS/HB 1279 for SB 7038 and adopted an education amendment package before passing the bill 36-1, while several other measures were temporarily postponed. The Senate then considered CS/CS/SB 484 on data centers and concurred in the House amendment 383-957, passing the bill 31-6. Senator Avila said the amendment strengthened ratepayer protections, required a PSC tariff filing, and directed an OPAGA study on large-scale data centers. Several senators pressed concerns about the removal of the Senate’s nondisclosure agreement prohibition, the possibility of delayed public awareness of data center projects, and whether costs could be shifted to other ratepayers; Avila responded that the amendment preserved local land-use authority and that ratepayer costs could not be borne by the general body of ratepayers. Debate reflected a split between senators who supported the bill as a needed regulatory framework and those who objected to the transparency changes and the loss of the Senate’s original NDA language. Later, the Senate took up land use and development regulations, substituting CS/CS/CS/HB 399 for SB 208. An amendment by Senator Jones to remove language affecting a Fontainebleau Hotel water park project in Miami Beach failed 17-20 after debate over local control and preemption. Senator McLean’s amendments then added a sunset date and other changes, and Senator Claudio’s amendment preserved Miami-Dade’s urban development boundary supermajority protections and related planning provisions. The chamber then began extended debate on Senator Martin’s amendment creating a process for property owners to challenge rural boundary designations and seek compensation or removal from the designation without going to court; supporters framed it as a property-rights and due-process measure, while opponents argued it would undermine local planning, impose costs on taxpayers, and weaken voter-approved rural boundaries in Orange and Seminole counties. The transcript ends amid that debate, with no final vote shown on the rural boundary amendment in the excerpt provided.
FL

Florida 2026 Regular Session

FL House Floor Session - 2026-03-13 (10:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • unanimous consent of the chair and the vice chair, that provision is waived, and the money will just automatically
  • That provision is waived, and the money will just automatically be given out when it's requested.
  • I don't know that I would agree with automatically given out when requested a process.
Summary: The Senate convened with opening prayer, the Pledge of Allegiance, and several member introductions of guests and staff. The chamber then took up returning messages from the House and acted on several bills, including transportation facility designations (SB 628), affordable housing/Live Local Act changes (HB 1389), utility services (HB 1451), education (HB 1279 substituted for SB 7038), data centers (SB 484), and land use/development regulations (SB 208/HB 399). Several other measures were temporarily postponed, including education, emergency services, and environmental rule ratification bills. On SB 628, the Senate concurred in the House amendment and passed the bill 31-4. On the affordable housing bill, senators discussed the fourth iteration of the Live Local Act, including a new provision allowing certain affordable housing on religious institution property, removal of accessory dwelling unit language, and changes to tax exemption and expiration provisions; the Senate concurred in the House amendment and passed the bill 35-0. On the utility services bill, the House amendment shortened the surcharge phase-out timeline and advanced reporting dates; the Senate concurred and passed the bill 30-6. The education package was substituted with the House companion, amended to include agreed-upon provisions on student health and safety, early learning, math, virtual instruction, career and technical education, school choice, accountability, tuition protections, and financial aid, and passed 36-1. The data centers bill drew extensive debate over transparency and ratepayer protections. Senators questioned the removal of the Senate’s nondisclosure agreement prohibition, the 12-month confidentiality period, and whether costs could be shifted to residential and commercial customers. Supporters said the amendment strengthened ratepayer protections and maintained local land-use authority, while critics objected to the loss of transparency and the possibility of local NDAs. After debate, the Senate concurred in the House amendment and passed the bill 31-6. The land use and development bill generated the most contentious discussion. Amendments addressed a Fontainebleau/Miami Beach resort water park issue, a sunset provision, and a major rural boundary/property rights proposal affecting counties such as Orange and Seminole. Senators debated whether the rural boundary language protected property rights or undermined local planning and environmental safeguards, with concerns raised about takings, county liability, and the use of an Attorney General opinion. The transcript cuts off during extended debate on that amendment, so no final vote on the land use bill is shown in the excerpt.
MN

Minnesota 2025-2026 Regular Session

Assessment data in property tax litigation 2/26/26

Minnesota House Floor Meeting

Transcript Highlights:
  • He said that with the changes to the statute, those protections automatically apply, and it does benefit
  • Because with the automatic protection, they don't have to litigate whether or not this data needs to
  • Chair has stated, and you know the litigation process itself is very expensive, and without the automatic
Keywords: 1183, house
NM
Transcript Highlights:
  • Uh, our, it's not automatically set up that way, we are, our agency operates on a reimbursement basis
  • The concern with that number continuing to grow, the, the sort of automatic assumption is, oh, projects
  • trying to move the bonding program towards, you know, a more sort of realistic place like not automatically
TX

Texas 89th Regular

Business and Commerce Apr 15th, 2025

Business & Commerce

Transcript Highlights:
  • The committee substitute automatically exempts the generator from penalties if it can demonstrate the
  • Wind and solar facilities could also automatically exempt themselves if they acquire enough energy storage
  • They can get automatic payroll deduction.
Summary: The committee took up a long list of pending bills before moving to several bills on the day’s posting. It reported favorably SB 438, SB 512, SB 647, SB 648, SB 715, SB 758, SB 1964, SB 2121, SB 2145, SB 2167, SB 2330, SB 2349, SB 2443, SB 2629, SB 2702, SB 1495, and SB 2268, with several of those adopted from committee substitutes. Some measures were sent to the local and uncontested calendar, while others were reported to the full Senate. Votes on the pending-business bills were generally strong, though SB 715 and SB 2330 drew recorded opposition; SB 647 and SB 648 had one member present not voting because of confusion over the deed-related bills. A major discussion centered on SB 715, which would establish a reliability standard and penalties/incentives for generation resources. Senator Sparks said the committee substitute would avoid unfairly penalizing existing dispatchable generation, allow wind and solar to qualify through storage or backup power, give the PUC flexibility to set standards and phase in the program, and exempt switchable units. Critics raised concerns that it could raise consumer costs and destabilize the market, while supporters argued it would improve reliability. The committee substitute was adopted and the bill was reported out 6-4. The committee also heard testimony on SB 2330, dealing with payroll deduction for association dues, where the author said the bill would end state involvement in dues collection except for first responders covered by meet-and-confer agreements. Members questioned why teachers and other employees were treated differently, and the bill was reported out 6-5. Other notable bills included SB 2864 on building-integrated photovoltaics, SB 1012 on sale of surplus state property, SB 2221 on fraudulent UCC filings, SB 1705 regulating cryptocurrency kiosks with licensing, transaction limits, fee caps, and a 72-hour hold, SB 1181 on combative sports licensing, SB 2586 on HOA transparency, SB 2075 as a TDLR cleanup bill, and SB 383 restricting offshore wind interconnection based on impacts to shipping, wildlife, and coastal interests. Several of these were left pending after testimony, with SB 1705 drawing both law enforcement support and industry concerns over the fee caps and limits.
FL

Florida 2025 Regular Session

House in Special Session C Feb 13th, 2025

Florida House Floor Meeting

Transcript Highlights:
  • You can't automatically give someone the death penalty, certainly not based on the nature of their status
  • You are taking that off the table when you say we are automatically assigning the death penalty.
  • We've held that automatic death penalty is unconstitutional.
Summary: The Florida House passed two immigration enforcement bills during a special session. Senate Bill 4C creates new state offenses for unauthorized alien entry/reentry into Florida and mandates the death penalty for unauthorized aliens convicted of capital felonies. Senate Bill 2C establishes a state immigration enforcement board, provides $300+ million for local law enforcement immigration cooperation, creates a $1,000 bonus program for officers participating in federal immigration enforcement, and repeals in-state tuition for undocumented students effective July 1, 2025. Multiple amendments were proposed but failed, including protections for Venezuelan TPS holders, DACA recipients, students in critical professions, and conscientious objection provisions for clergy and teachers. Debate included constitutional concerns about federal preemption, equal protection violations, and mandatory death penalty provisions. The session also included a memorial urging DHS to provide 287G agreement training opportunities.
HI
Transcript Highlights:
  • 00:23:30.400> able<00:23:30.720> to<00:23:31.279> extend<00:23:31.840> automatically
  • <00:23:32.520> extend not able to extend automatically extend not able to extend automatically
Keywords: 912, senate, all
Summary: The Committee on Health and Human Services began by explaining strict one-minute testimony limits, reliance on written testimony, and that it had quorum and would move directly to decision making on deferred measures. It first adopted the chair’s recommendation to pass SB 8 with amendments, creating a five-year trial period for a jury-duty exemption for actively practicing APRNs, delaying implementation to January 1, 2027, and adding a defective date. It then adopted amendments to SB 189 on breast cancer screening, replacing references to “woman” with “patient,” clarifying that supplemental imaging and mammograms must be medically necessary and ordered by the patient’s provider, deleting one subsection, and adding a defective date. The committee then heard testimony on several bills. SB 46 on insurance/mental health coverage drew support from a member of the public and others, but later the chair said it would be deferred indefinitely pending a required sunrise analysis and a concurrent resolution. SB 642 on fertility preservation services received broad support from providers, advocacy groups, and an individual who described facing cancer treatment and high out-of-pocket costs; the chair later amended it to make coverage optional, limit it to those over 26, and add a defective date. SB 49 on terminal illness had limited testimony and was later passed with amendments incorporating agency and professional association changes plus a defective date. The committee also heard strong support for SNAP-related bills. SB 53, expanding SNAP eligibility to 300% of poverty, drew testimony about the “benefits cliff,” but the chair later deferred it indefinitely, citing uncertainty about costs and system issues. SB 58 on public assistance had no testimony. SB 960 and SB 961, both SNAP-related, drew extensive support from nonprofits, health groups, and others; DHS said its modernization work would not be ready until fall 2026 and that current systems could not automatically extend certification periods. SB 963 on SNAP also received support, including testimony from a volunteer reentry advocate and a public health advocate, but the chair later said it would be deferred indefinitely because the committee could not determine the fiscal impact and wanted to wait until next year. Finally, the committee heard SB 798 on child welfare and SB 974 on foster care. Testimony on SB 798 included support from child welfare and advocacy organizations, but also criticism from a witness who said the bill lacked voices of those harmed by the system and another who emphasized the need for independence, implementation, and accountability. The committee then recessed to regain quorum and later returned to decision making, where it deferred SB 46 indefinitely, passed SB 642 with amendments, passed SB 49 with amendments, and deferred SB 53 indefinitely. The transcript ends while the chair is continuing through the remaining measures.
HI

Hawaii 2026 Regular Session

HED Info Briefing - Fri Jan 30, 2026 @ 10:30 AM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • So, don't—uh—it'll automatically pick up your voice, but it is very sensitive.
  • And to be kind of blunt about it, leading a higher education institution when growth was so automatic
  • c><00:32:01.519> growth<00:32:01.840> was<00:32:02.080> so<00:32:02.320> automatic
  • institution when growth was so automatic institution when growth was so automatic um<00:32:03.919
Keywords: 910, house, all
CA

California 2025-2026 Regular Session

Assembly Education Committee Apr 9th, 2025

Education

Transcript Highlights:
  • feasibility. concerns but these should be very tailored exemptions that can be requested and not granted automatically
  • go into inclusion of non-nutritive sweeteners would mean that any low or no calorie food would automatically
  • health concerns and that could be a local state or federal government then that could potentially automatically
  • That would not mean that something would automatically be banned.
  • I do have a concern that it will automatically identify them as children that have an IEP or 504 plan
Keywords: 988, house, all
HI

Hawaii 2025 Regular Session

House Chamber - Tue Apr 8, 2025, 9:00 AM HST - Day 47

Hawaii House Floor Meeting

Transcript Highlights:
  • as a deterrent or if it will make the community safer by putting people in prison for 20 years automatically
  • as a deterrent or if it will make the community safer by putting people in prison for 20 years automatically
  • prison<01:06:34.720> for<01:06:35.039> 20<01:06:35.280> years<01:06:35.680> automatically
  • <01:06:36.559> Thank prison for 20 years automatically.
  • Thank prison for 20 years automatically.
Keywords: 910, house, all
HI

Hawaii 2025 Regular Session

AEN-WTL-EDT-EIG, WTL-AEN Public Hearings 03-19-2025

Agriculture and Environment

Transcript Highlights:
  • carefully because as it's written, once the hurricane blows through and they get the exemption from automatic
  • carefully because as it's written, once the hurricane blows through and they get the exemption from automatic
  • exemption<00:07:45.840> from and they get the exemption from and they get the exemption from automatic
  • <00:07:46.360> termination,<00:07:47.000> they'll<00:07:47.320> never automatic
  • termination, they'll never automatic termination, they'll never have<00:07:47.680> to<00:07:47.800
Keywords: 912, senate, all
Summary: The joint committees met on March 19, 2025, to hear HB 966 HD2, which would create statewide standards for agricultural tourism in counties that adopt ag-tourism ordinances. The bill would require registration with county planning departments, require ag-tourism to remain tied to an active farming operation, and end the activity when the agricultural use stops except in limited circumstances. Testimony from the Office of Planning and Sustainable Development, the Agribusiness Development Corporation, the Department of Agriculture, the Hawaii Tourism Authority, Kualoa Ranch, and the Hawaii Cattlemen’s Council was generally supportive of the bill’s intent, with several witnesses emphasizing that agritourism can help farm viability, food security, and public education about agriculture. The Hawaii Farm Bureau and several other testifiers supported agritourism but urged strong guardrails, minimal statewide standards, and deference to county home rule. They said agriculture should remain the primary activity, warned against adding burdens to farmers and ranchers, and suggested better enforcement and agricultural expertise within county planning departments. Phil Weber and others argued for objective standards, such as minimum revenue or work-performed thresholds, annual reporting, and clearer compliance tools, and cautioned that the bill’s termination exemption could be too broad if not tightened. A substantial portion of the discussion focused on whether the bill should apply to Department of Agriculture lands, especially ag park lands, and to DLNR lands. Department of Agriculture staff explained that ag park lands currently do not allow agritourism, while non-ag park lands under Act 90 allow limited related activity tied to farm production, with revenue limits and other conditions. Members and witnesses debated how to define and measure agritourism, how to enforce county rules, and whether to exempt ag park parcels or otherwise clarify that existing DOA rules would control. No vote or final action was taken during the hearing, and the chair requested follow-up language from DOA to address possible exemptions and clarify the bill’s application.
HI

Hawaii 2025 Regular Session

WTL Public Hearing 03-17-2025

Transcript Highlights:
  • I think automatically it's usually the recognition of the agency. I need the last one, 18.
  • I think automatically it's usually the recognition of the agency. I need the last one, 18.
  • the agenda bear with me okay<00:02:37.599> I<00:02:37.760> think<00:02:38.400> automatically
  • <00:02:39.400> It's<00:02:39.760> usually okay I think automatically It's usually okay
  • I think automatically It's usually the<00:02:40.720> recognition<00:02:41.599> of<00:02
Keywords: 912, senate, all
Summary: The Committee on Water and Land heard SR 18, which asks DLNR to transfer active agricultural land leases to the Department of Agriculture to support agriculture. DLNR, through Don Chang, opposed the resolution, saying the department has already been transferring parcels by mutual agreement and should not be required to transfer lands it does not consent to. Ranchers and agricultural advocates strongly supported the measure, arguing that the lands are active production areas, that partial transfers would undermine ranching operations, and that water infrastructure built by ranchers must be protected. Testimony from the Hawaii Farm Bureau and others emphasized the importance of preserving agricultural land for food production, wildfire management, and long-term ranch viability. Committee members pressed both sides on acreage, specific parcels, and whether negotiations were still ongoing, with DLNR later clarifying that some parcels remain under negotiation and that some proposed transfers have been narrowed or adjusted. Several specific ranches and parcels were discussed, including Batello, Diamond B, Delo, Nobriga, and Kapala Ranch. Witnesses described the operational importance of water systems, grazing areas, and access routes, and said that losing productive acreage would threaten business viability. Some members expressed concern that the proposal appeared to transfer productive land while leaving less useful land with ranchers, and urged the department to continue transparent negotiations and consider the practical impact on agriculture and conservation. A DLNR representative said some transfers were tied to other needs, such as transportation mitigation, and not to a broader effort to take more land. The Department of Agriculture later stated it supports the intent of the measure, but suggested its concerns would likely be addressed if the resolution were narrowed to the specific parcels at issue. The chair also announced that the related House bill on the same subject remains alive and will be heard by Water and Land on Thursday. After concluding SR 18, the committee moved on to SCR 51 and SR 33, which seek a working group to evaluate establishing and administratively placing an Office of Resilience and Recovery. The Office of Planning and Sustainable Development indicated support for the concept, noting the office’s value in Maui wildfire recovery efforts.
MN

Minnesota 2025-2026 Regular Session

Committee on Transportation - 02/10/25

Transportation

Transcript Highlights:
  • When they run the registration, they'd automatically know that that would be there.
  • They're not protected by a shell, so when they do get in an accident, those automatically are more serious
  • get an by a shell uh so when they do get an accident<00:32:00.399> those<00:32:01.000> automatically
  • <00:32:01.480> are<00:32:01.679> more accident those automatically are more accident
  • those automatically are more serious<00:32:02.320> injury<00:32:03.080> more<00:32:03.279
Keywords: 1187, senate, all
NH
Transcript Highlights:
  • so, in our model, what we do is when I take a thousand bucks and put it in a TBA, it's minted automatically
  • convert it to a automatically convert it to a stablecoin.<01:24:36.880> And<01:24:36.960>
  • The minute the token moves outside the perimeter of the in-network banks, the cash automatically moves
  • <01:35:58.480> moves<01:35:58.640> to Yeah. the cash automatically moves to Yeah. the
  • cash automatically moves to custodia.<01:35:59.240> Okay,<01:35:59.400> that's<01:35:59.640
Keywords: 1189, house, all
Summary: The meeting opened with roll call, confirmation of a quorum, and approval of the April 6 and May 4 minutes, with minor corrections noted to the May minutes. The main presentation came from JD of Link Network, introduced by Dan Cohen, who described Link’s work with crypto.com and other market participants on tokenized money market funds and real-time settlement for institutional clients. JD gave a detailed history of his earlier work developing the Arca U.S. Treasury Fund and ArCoin, emphasizing that the project was built within existing SEC and 1940 Act frameworks and was intended to use blockchain technology for a traditional asset rather than create a crypto product. He said the effort involved years of discussions with the SEC, multiple custodians, and partners such as U.S. Bank, T-Zero Securities, and Tassat, and that the model eventually led to Link’s settlement system. He highlighted concerns that shaped the design, including regulatory compliance, privacy for institutional users, and the need to bridge traditional banking hours with 24/7 digital asset markets. The presentation also described Link’s features, including segregated and bankruptcy-remote fund structures, tokenized deposit and treasury fund settlement, and “yield in transit,” which allows interest to accrue and be distributed daily down to a two-second block. JD said the platform is being expanded for use cases such as exchange liquidity, cross-border capital movement, off-exchange collateral, stablecoin bridging, treasury management, and peer-to-peer settlement. He closed by posing policy questions for the commission about the use cases for stablecoins versus tokenized money market funds in New Hampshire and whether the state could issue or administer a security-based program with appropriate compliance controls.
MN

Minnesota 2025-2026 Regular Session

Committee on Health and Human Services - 02/24/26

Health and Human Services

Transcript Highlights:
  • case, the state is obligated to continue operating this program so that the state share would automatically
  • case, the state is obligated to continue operating this program so that the state share would automatically
  • case, the state is obligated to continue operating this program so that the state share would automatically
  • case, the state is obligated to continue operating this program so that the state share would automatically
  • case, the state is obligated to continue operating this program so that the state share would automatically
Keywords: 1187, senate, all
NH

New Hampshire 2026 Regular Session

House Resources, Recreation and Development (01/28/2026)

Resources, Recreation and Development

Transcript Highlights:
  • 21-day<04:22:56.720> hold<04:22:57.040> on<04:22:57.279> the it puts an automatic
  • 21-day hold on the it puts an automatic 21-day hold on the review<04:22:57.760> of<04:22:57.920
  • And the other thing is if they don't sign, the hold is automatic.
  • <04:27:58.960> If<04:27:59.120> you sign, the hold is an automatic.
  • If you sign, the hold is an automatic.
Keywords: 1189, house, all
HI

Hawaii 2025 Regular Session

HHS-CPN Informational Briefing 12-19-2025

Hawaii Senate Floor Meeting

Transcript Highlights:
  • So maybe we couldn't do it automatically, but we would have, you know, do 10,000 on the high data match
  • 00:24:36.240> couldn't<00:24:36.559> do<00:24:36.720> it<00:24:36.880> automatically
  • , maybe we couldn't do it automatically, maybe we couldn't do it automatically, but<00:24:38.559>
  • records with the state so that you can bounce out there and grab that information and provide it automatically
  • records with the state so that you can bounce out there and grab that information and provide it automatically
Keywords: 912, senate, all
Summary: The joint informational briefing by the Health and Human Services and Commerce and Consumer Protection committees focused on projected impacts to Hawaii consumers from federal changes affecting Med-QUEST and the ACA marketplace, including the loss of ACA premium tax credits, OBVA/HR1-related Medicaid changes, immigrant eligibility restrictions, and new Medicaid work/community engagement requirements. Committee members noted the meeting was being streamed live and emphasized the need to explain potential coverage losses affecting a significant share of the state population. Med-QUEST administrators reported current enrollment at 390,766, about 27% of Hawaii’s population, and broke that down into major groups including roughly 128,000 ACA expansion adults and about 52,000 parent/caretaker relatives. They said the expansion adult population would be most affected by the new federal requirements, which will shorten renewal periods from 12 months to 6 months and impose community engagement rules beginning in late 2026 and 2027. They described the work requirement as 80 hours per month of work, community service, work program participation, or half-time education, with an income-based pathway tied to $580 per month at the federal minimum wage; they also noted a long list of exemptions, but said many details are still awaiting federal guidance and rulemaking. The administrators said federal changes to immigrant eligibility would eliminate Medicaid coverage for certain noncitizen categories, with an estimated 1,200 to 2,400 people affected, though about 200 may remain covered through a state-funded program for otherwise eligible individuals. They also said marketplace subsidies would no longer be available for some immigrants under 100% of the federal poverty level starting January 1, 2026, with further restrictions expected in 2027. For Hawaii overall, they estimated the new Medicaid work and renewal rules could push an additional 19,000 to 38,000 people into uninsured status, with another estimated 6,000 at risk from the six-month renewal process alone. Members asked about how exemptions would be determined, especially for medically frail and seriously mentally ill individuals, and administrators said they were still awaiting detailed federal rules and were working on data-matching and verification processes to reduce coverage losses.