Video & Transcript : 'creditor claims' :
Page 153 of 475
NH
Transcript Highlights:
- He’s going to raise a self-defense claim, and it’s a very strong self-defense claim.
- There is no basis for the claim that asylum seekers are lying en masse.
- Most asylum denials are not because of false claims, but because of technicalities.
- There is no basis for the claim that asylum seekers are lying en masse.
- Most asylum denials are not because of false claims, but because of technicalities.
VT
Transcript Highlights:
- Section six defines high-dollar claims for claims edit purposes.
- coding validation edit review means claims over $25,000 per episode of care.
- Currently, it just says high-dollar claims.
- </c> says high dollar claims. says high dollar claims.
- </c><01:47:37.760><c> that</c> It requires reporting of claims that It requires reporting of claims that
MN
Minnesota 2025-2026 Regular Session
House Fraud Prevention and State Agency Oversight Policy Committee 12/17/25
Fraud Prevention and State Agency Oversight Policy
Transcript Highlights:
- around healthcare billing process claims around healthcare billing um<00:21:20.880><c> our</c><00:21
- for the 14 high-risk services to identify risks before we pay claims.
- </c> risks before we pay claims. risks before we pay claims.
- So, they claim that they're also providing licensed mineral services in Africa.
- </c> information that the department claims information that the department claims they've<01:50:25.920
FL
Florida 2026 Regular Session
FL House Floor Session - 2025-04-25 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- One will handle the claims processing, the other will handle the property insurance part, the other will
- All of the evidence that shall be admissible when offered by either party, either to prove a claim or
- It also revises current law to give policyholders, not citizens insurance, the choice to resolve claim
- This is simply a claims bill that rectifies negligence from the DCF. Mr.
- Speaker, this is simply a claims bill that rectifies negligence from the DCF.
Summary:
The House opened with prayer, a moment of silence for fallen Oviedo Officer Jimmy Serrano-Torres, the Pledge of Allegiance, and recognition of Chief Joseph Tuminelli as law enforcement officer of the day. The chamber approved the journal and adopted the special order report, and the Speaker announced a schedule change canceling the floor on Monday and starting Tuesday at 10:30 a.m.
The main business was CS for HB 7033, the House tax package, presented by Rep. Duggan. He described a broad set of tax changes, including the previously passed sales tax rate reduction from 6% to 5.25%, exemptions for certain bullion sales, changes to tourist development tax (TDT) use, property tax administration updates, affordable housing-related exemptions, repeal of the aviation fuel tax, delayed natural gas fuel tax implementation, corporate income tax changes, and other provisions. Debate focused heavily on the TDT section and the bill’s property tax relief structure. Amendments to preserve local flexibility or remove the TDT restrictions were offered and debated; one Duggan amendment was adopted to allow local governments to keep 25% of TDT revenues for general use while directing 75% to property tax relief, and another amendment requiring audit certification of compliance was also adopted. A combined reporting amendment offered by Rep. Eskamani to close corporate tax loopholes was debated at length but failed.
On final passage, supporters argued the bill provides immediate, permanent tax relief and affordability help, while opponents said it diverts tourism dollars away from local needs and could harm tourism-dependent counties and services. CS for HB 7033 passed the House 78-29. The chamber then took up CS for CS for HB 1221 on local option taxes, which would give local governments more control over certain local taxes and, as presented, redirect TDT revenues toward property tax relief with some local flexibility. After questions and amendments, including a Miller amendment allowing 25% of TDT revenue for general purposes and another accountability amendment, the bill moved to final debate. Members split sharply: supporters framed it as immediate tax relief and local accountability, while opponents warned it would undermine tourism marketing, infrastructure, and county budgets. The transcript ends during closing debate on HB 1221, before final passage is recorded.
NH
New Hampshire 2025 Regular Session
House Judiciary (03/19/2025)
Transcript Highlights:
- </c> tool to make sure that frivolous claims tool to make sure that frivolous claims don't<01:29:03.280
- for the party who's had a false claim made against them?
- for the party who's had a false claim made against them?
- Doesn't mean the person can't bring their retaliation claim.
- It just bring their retaliation claim.
Summary:
The Judiciary Committee met to hear the Legislative Budget Assistant Office’s performance audit of the New Hampshire Commission for Human Rights. Auditors said the commission was inefficient and ineffective in investigating discrimination complaints and closing cases in a timely manner during fiscal years 2020 through 2023. The report contained 25 observations; the commission fully concurred with 24 and concurred in part with one. Auditors highlighted major problems with case processing delays, inaccurate case data, lack of a case management system, weak strategic planning and risk assessment, outdated and disorganized policies, confidentiality issues, expired administrative rules, fee-setting practices, incomplete financial-interest filings, and failure to complete required reports and reconciliations. Two recommendations, involving complaint screening and conciliation, may require legislative action.
Several observations focused on the commission’s intake and investigation practices. Auditors said complaints may have been screened out before docketing, potentially preventing commissioner review required by statute, and that the investigation process lacked clear rules and guidance. They also found investigators were assigned non-investigative tasks, training was inadequate, interview requirements were unclear, supervisory duties were burdensome, and confidential information was not always protected by encrypted email. The audit recommended clearer administrative rules, better internal controls, more focused staffing, a supervisory investigator position, and improved training and documentation.
Commission representatives said they had already made progress on several items since the audit began, including posting overdue biennial reports and moving toward a case management system expected to go live in June. They said they were working with EEOC counterparts and legal counsel, but emphasized staffing shortages and high turnover, noting the commission currently had nine people working out of 15 authorized positions, with three investigator vacancies and a vacant paralegal position. Committee members thanked the auditors and commission staff, discussed the history of the audit request, and raised concerns about how long the recommended corrective actions might take. The committee took no vote or formal action during the hearing.
WA
Transcript Highlights:
- A provider may claim a monthly payment for the full number of days in which a child is authorized if
- If a child is absent for 10 days or less in a calendar month, the provider may claim a full monthly payment
- If a child is absent for greater than 10 days, yet attends at least one day, the provider may claim a
Bills:
HB2487
Committee:
Senate Ways & Means
MO
Transcript Highlights:
- So we clarified that if you're just a nominal defendant and you're not actually asserting a claim, you're
- trustee is operating in bad faith, you're never going to get in trouble as a beneficiary for bringing a claim
- applicability of a no-contest clause shall not preclude any later filing and adjudication of other claim
Committee:
House Financial Institutions
FL
Florida 2026 5th Special Session
Appropriations Committee on Agriculture, Environment, and General Government Feb 18th, 2026
Transcript Highlights:
- and for providing engineering services, and that person is later found to be unlicensed and I file a claim
- , the maximum that I could get against my $50,000 is a... ...file a claim, the maximum that I could get
- Of course, a good portion of those relates to claims, but a good portion also can create jobs, can boost
Summary:
The Appropriations Committee on Agriculture, Environment, and General Government heard and reported favorably several bills. CS/SB 800 would increase penalties for repeated unlicensed engineering practice and create an engineering student loan assistance program funded by licensure fees and fines; Senator Sharif asked about restitution for victims, and the sponsor said the bill does not create a reimbursement mechanism. CS/SB 576 would create a local government cybersecurity protection program administered by Florida Digital Service, with state purchasing support, grant access, and data-sharing requirements; local government and cybersecurity groups waived in support. CS/SB 1078 would establish transition procedures between gubernatorial administrations, including liaisons, briefing books, office space, IT access, and access to agency records under a signed confidentiality agreement.
The committee also reported favorably CS/SB 314 on payment stablecoin issuers, CS/SB 530 updating lottery operations and security rules, CS/SB 1614 giving JAC/LAC-related audit findings more enforcement effect for local governments seeking state funds, SB 990 authorizing protective cell captive insurance companies, SB 1588 beginning implementation of the prior gold-and-silver legal tender law, CS/SB 1440 adding cybersecurity-related exemptions and reporting provisions for financial institutions, and CS/SB 1568 creating a stablecoin pilot program for DFS fee payments. Several bills had support testimony from state agencies and industry groups, and some included technical or guardrail amendments that were adopted without objection.
The committee also received a budget overview highlighting major funding items, including more than $350 million for Florida Forever, $738 million for Everglades restoration, more than $500 million for water quality projects outside the Everglades, $60 million for Farmers Feeding Florida, and more than $250 million for citrus recovery. Members asked questions about school lunch funding, state park improvements, land acquisition, water quality funding, gaming enforcement offices, and staffing for PERC. After the bills and budget discussion, members recorded a few affirmative votes on selected tabs, and the committee adjourned.
AZ
Transcript Highlights:
- Help us claim our power, people power for the planet.
- The people, help us claim our power, people power for the planet.
- Attorney's District Office for the District of Arizona rather than the district where the individual claims
Summary:
The Senate opened with prayer and the Pledge of Allegiance, then recognized several visiting groups at the Capitol, including OBGYNs and trainees for Women’s and Reproductive Health Day, environmental advocates for Environmental Day, Arizona Maha Coalition members, nurses for Arizona Nurses Day, aerospace industry representatives for Aerospace Day, and guests for International Mother Language Day and other district visitors. Several proclamations and recognitions were read, including International Mother Language Day, Arizona Aerospace Day, and a recognition of Israeli Supreme Court Justice Daphne Barak-Erez. The chamber also welcomed the Doctor of the Day and a newly appointed commissioner, and the President Pro Tem made temporary committee appointments.
The main floor business was a Committee of the Whole on several SNAP-related bills. SB 1002, concerning SNAP/TANF public welfare verification, received a floor amendment from Senator Kavanagh and was advanced with a do pass recommendation. SB 1331, relating to SNAP military employment and training, also advanced do pass. SB 1333, relating to a SNAP error rate forensic audit, was amended by the Health and Human Services Committee and advanced do pass after Senator Gonzalez spoke in opposition, arguing the bill did not address the underlying federal error-rate problem and could increase state costs.
SB 1334, concerning SNAP work requirement waivers and exemptions, advanced do pass despite Senator Gonzalez’s opposition, in which she argued the bill would restrict Arizona’s flexibility, especially in rural and tribal areas, and could harm older adults and people with disabilities. SB 1368, concerning SNAP purchase restrictions, was then taken up; Senator Gonzalez began speaking in opposition, but the transcript cuts off before the debate or final action on that bill is completed.
WA
Washington 2025-2026 Regular Session
Senate State Government, Tribal Affairs & Elections Jan 16th, 2026
Transcript Highlights:
- To claim the preference, a veteran must provide proof of a... ...be preferred for employment.
- To claim the preference, a veteran must provide proof of a qualifying discharge with official discharge
- you, an individual may provide a pre-discharge certification as proof of a qualifying discharge to claim
Summary:
The Senate State Government, Tribal Affairs & Elections Committee met on January 16, 2026, and took executive action on four measures before moving to public hearings on two bills. The committee held Senate Bill 5842 for further discussion, then considered Senate Concurrent Resolution 8406, Senate Bill 5825, Senate Bill 5863, and Senate Bill 5840. SCR 8406 would reestablish the Joint Select Committee on Civic Health and was advanced unanimously to the Rules Committee. SB 5825, which authorizes the Washington State Leadership Board to solicit gifts, grants, and endowments, was amended with a technical change and then advanced. SB 5863, extending the moratorium on destruction of Lakeland Village records and addressing access to certain historical records, also advanced without opposition. SB 5840, which changes campaign finance expenditure reporting schedules, was amended to adjust the implementation date to January 1, 2028 and then advanced after the committee waived the amendment publishing rule due to the short session timeline.
The committee then heard Senate Bill 5827, sponsored by Senator Gildon, which would allow veterans to use a pre-discharge certification to claim civil service preference before receiving a DD-214. Staff explained the bill and clarified that the underlying qualifying discharge categories would remain unchanged. Senator Gildon said the bill was prompted by a constituent who could not access preference points before leaving active duty, and the Veterans Legislative Coalition testified in strong support. The hearing record noted 40 people signed in in favor and two opposed.
Finally, the committee heard Senate Bill 5968, sponsored by Senator Krishna Dawson, which would codify and expand the governor’s executive order on permitting and licensing timelines, require agencies to publish processing deadlines, phase in coverage of all credentials by 2030, and authorize fee refunds if deadlines are missed. The sponsor and staff said the bill is intended to improve predictability, accountability, and customer service, while agency flexibility would remain through OIRA. Support testimony came from the governor’s office, cosmetology, labor, construction trades, ports, business, and the Department of Health, all emphasizing delays’ impacts on jobs, projects, and access to care. The Department of Health reported substantial recent reductions in licensing times and said it lacked authority to issue refunds without the bill. The hearing closed with 26 people signed in, including supporters and opponents.
CA
California 2025-2026 Regular Session
Assembly Natural Resources Committee Jun 23rd, 2025
Transcript Highlights:
- They claim that forests must be logged and thinned for wildfire safety, yet the most effective way to
- Another claim is the false choice that making biomass... ...and hotter.
- Another claim is the false choice that making biomass products is the only alternative to pile burning
Summary:
The Assembly Natural Resources Committee met with some initial delay while waiting for quorum, then approved the consent calendar items SB 234, SB 484, and SB 839. The committee heard several bills focused on wildfire mitigation, biomass use, climate resilience, and geologic hazard mapping. Members and witnesses repeatedly emphasized the need to balance climate, air quality, public health, and land management goals, with testimony both supporting and opposing biomass-related proposals.
SB 88 (Caballero) would direct state agencies to support beneficial uses of forest and agricultural biomass, including biochar and low-carbon energy. Supporters argued it would reduce open burning, improve air quality, and create rural economic opportunities; opponents, including environmental groups, argued woody biomass energy is costly, polluting, and harmful to forests and communities. The bill passed as amended to Appropriations. SB 653 (Cortese) defining environmentally sensitive vegetation management also passed, with supporters describing it as a voluntary framework to align wildfire fuel reduction with biodiversity and habitat restoration; no opposition was heard, and a member requested to be added as a coauthor.
The committee also approved SCR 50 (Stern), which urges state climate agencies to define maladaptation and develop criteria for reviewing climate-related policies and investments, and SB 567 (Limón), a pilot program to study converting idle oil wells into gravity energy storage wells. SB 567 drew support from the sponsor and labor/local government witnesses, while the Water Replenishment District opposed unless amended, citing groundwater protection concerns in key basins and asking for additional safeguards. Finally, SB 831 (Limón) passed, clarifying the scope of geologic hazards to include conditions tied to climate change and natural disasters such as post-fire debris flows, subsidence, and coastal erosion. All measures were reported out of committee, with several absent-member votes later added to complete the roll.
WA
Washington 2025-2026 Regular Session
Citizen Commission for Performance Measurement of Tax Preferences May 7th, 2025
Citizen Commission for Performance Measurement of Tax Preferences
Transcript Highlights:
- Disclosure requirements of the PRA are liberally construed by courts, and an exemption that is claimed
- , followed by a withholding log to the requester, so they can evaluate appropriately the agency's claims
- Next, House Bill 1060 added a new requirement for businesses claiming a B&O tax exemption for publishing
Summary:
The Citizen Commission for Performance Measurement of Tax Preferences met on May 7, 2025, with quorum present. The commission approved the October 22, 2024 meeting minutes and then received its annual open government refresher from the Attorney General’s office, which reviewed key requirements under the Public Records Act and Open Public Meetings Act, including record retention, response deadlines, exemptions, and meeting notice rules.
Staff then provided a 2025 legislative session update, noting that the legislature passed 23 tax-preference-related bills, with several signed by the governor and others pending. Highlights included bills that extended or repealed certain preferences, added reporting requirements for newspaper and digital content exemptions, authorized JLARC to adjust its work plan when data is unavailable, and created a new exemption for zero-emission buses. The commission approved updates to the 2026 tax preference review schedule, which includes eight preferences in seven reviews, and approved unchanged testimony questions for 2025.
The commission also received the 2025 expedited preference review report covering 52 tax preferences, presented as an interactive table drawing on prior JLARC reviews and Department of Revenue studies. Staff then outlined the process for developing the next 10-year review schedule for 2027-2036, including surveying the legislature, incorporating new and repealed preferences, and considering a possible rolling 10-year schedule. No public comment was registered. The meeting ended with acknowledgments of Ron Buing’s long service on the commission and an announcement that the next meeting would be held August 6, 2025.
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2025-03-27
Commerce Finance and Policy
Transcript Highlights:
- lot of individual insurance products, are financially solvent and are able to do the work that they claim
- to do to pay out claims and things like that.
- Because, you know, people know when they're shopping what they want their insurance, and when it comes claims
Committee:
House Commerce Finance and Policy
KY
Kentucky 2025 Regular Session
Senate Standing Committee on Banking & Insurance (3-4-25)
Transcript Highlights:
- overinvested in the UK game, I think, and who may provide repairs for property and casualty insurance claims
- does still allow for a mechanic's lien to be filed on services outside the scope of the insurance claim
- does still allow for a mechanic's lien to be filed on services outside the scope of the insurance claim
Summary:
The committee first considered House Bill 390, which would complete the Department of Transportation’s transition from the old AVIS system to CAVIS for insurance verification. Rep. Michael Meredith explained that the current insurance verification process still runs on the old system, creating a 30- to 45-day reporting delay that allows people to register vehicles by showing only an insurance card. Members voted to give the bill a favorable expression, with Chair Carpenter noting it would support real-time verification and could help reduce uninsured motorists.
The committee then heard House Bill 233, a consumer protection measure aimed at post-disaster repair scams. Rep. Wade Williams said the bill expands existing protections to all contractors and tree removal companies, creates a five-day cancellation period after an insurer says some services are not covered, bars mechanic’s liens in certain consumer financial disputes while preserving them for work outside the insurance claim, and adds a $5,000 civil penalty enforced by the Attorney General. After questions about how it differed from Senate Bill 24, the bill also received favorable expression.
Finally, the committee took up House Bill 423, with a committee substitute adopted at the outset to allow commercial insurers and the Department for Medicaid Services to provide more specific reasons for prior-authorization denials. Rep. Kim Moore and Cory Meadows of the Kentucky Medical Association described the bill as a long-negotiated prior-authorization reform that would create a gold-carding or exemption program for qualifying providers, reduce red tape, and speed patient care. The committee approved the substitute and then gave the bill favorable expression. At the end, Senator Yates corrected the record to be marked as voting yes on House Bill 390 and House Bill 233.
FL
Transcript Highlights:
- was fired for making that false claim.
- Members, this is another claims bill.
- Now in this case, $600,000, it still would have to come to the legislature for a claims bill.
- I ask for your support on this claims bill. Is there any debate?
- This bill claims to bring us together by getting rid of labels.
Summary:
The House convened with prayer, the Pledge of Allegiance, quorum call, and several recognitions, including tributes to former members and law enforcement. The chamber then adopted the special order report and moved to the day’s special-order calendar. Early bills passed unanimously, including CS/HB 401 on FDLE security details for major party nominees for governor and lieutenant governor, CS/HB 1063 on gubernatorial transition procedures, HB 593 on governmental agencies and personnel, CS/CS/HB 655 on confidential attorney-client meetings for local governments in pending litigation, and HB 6011 on ethics gift/honoraria reporting procedures. Each of these measures was explained by sponsors as transparency, security, or administrative process legislation, and each passed 115-116 to 0.
The chamber then took up CS/HB 125, designating October 14 as Charlie Kirk Day of Remembrance. The bill drew extensive and sharply divided debate over whether a state remembrance was appropriate for Kirk, with opponents arguing he was a polarizing political figure and that the House should focus on affordability and other constituent concerns, while supporters framed the bill as a defense of free speech and opposition to political violence. A proposed amendment to replace the designation with a George Floyd remembrance was ruled not germane. After structured debate, the bill passed 82-31.
Members also considered transportation designation measures. SB 628, substituted for CS/HB 885, included multiple road and bridge namings and an amendment designating a 124-mile stretch of State Road 80 as the President Donald J. Trump Highway; the amendment and bill passed 82-26. CS/HB 33 similarly designated portions of roads as Charlie Kirk Memorial Avenue and President Donald J. Trump Boulevard, prompting another lengthy debate over the appropriateness of honoring political figures and the use of public roadways for such designations; it passed 82-30. The House then began debate on CS/HB 35, “Isaiah’s law,” which would add driving without a valid license to the habitual traffic offender list after repeated offenses, with sponsors citing a fatal hit-and-run and opponents questioning prosecutorial discretion and the bill’s practical effects.
NH
New Hampshire 2026 Regular Session
House Executive Departments and Administration (01/14/2026)
Executive Departments and Administration
Transcript Highlights:
- The eyewitness testimonies are just too overwhelming for anyone to doubt their claims.
- The eyewitness testimonies are just too overwhelming for anyone to doubt their claims.
- And the additional claim that camp.
- abandoned, and on the right side you see what is claimed today.
- Initial death toll claims for all camps.
NH
New Hampshire 2025 Regular Session
Committee of Conference on HB 1, HB 2 (06/16/2025)
Transcript Highlights:
- </c> names of people who were claiming names of people who were claiming because<05:06:44.798><c> of<
- </c> penalty and us the opportunity to claim penalty and us the opportunity to claim a<05:38:02.160><
- It adds a provision to include deidentified large claim information for claims over $50,000.
- YDC claims administrator.
- </c> YDC<06:58:13.680><c> claims</c><06:58:14.160><c> administrative</c> YDC claims administrative YDC
Summary:
The committee of conference on HB 1 and HB 2 reviewed comparison documents and worked through a long list of House and Senate positions, agreeing on some technical or already-enacted items while setting aside others for later discussion. Early on, members agreed to delete a House Bill 2 section tied to a bill already passed into law, and a representative explained a technical amendment to the EFA provisions clarifying enrollment-cap repeal language and compulsory attendance rules for EFA students. That amendment was discussed but a vote was postponed because not all members were present. The committee also noted that the overall EFA budget numbers had already been settled separately.
Several items were either agreed to or held for further negotiation. Members agreed to delete sections already covered by other enacted bills, including BTLA-related language, and to accept a technical amendment changing "municipalities" to "political subdivisions" in a section affecting funding eligibility. They also agreed on some items involving workers’ compensation second injuries, certain pilot-program language, and some sections related to state loan repayment and other technical corrections. In contrast, they set aside or disputed items involving site evaluation, lottery-related provisions, opioid abatement, the Commission on Aging, Granite Advantage premium costs, renewable energy/offshore wind funding, special education funding, and several education trust fund and unique-fund provisions.
The committee spent substantial time on policy disputes. The House side argued against keeping money in dedicated Fish and Game funds rather than increasing the main Fish and Game fund, while the Senate side defended its approach and raised concerns about fee impacts, including one tied to the fishing license. The members also discussed a housing appeals board proposal, with one member suggesting a possible compromise that would preserve some function while shifting duties and possibly sunsetting the arrangement later; the contracts for the positions were noted as running through June 30, 2028 and June 30, 2029. Another extended discussion concerned the child advocate records-access section, which one side wanted removed as policy that should go through the normal bill process, while another member asked to hold it and suggested a possible middle-ground, time-limited approach.
Later, the committee agreed to remove sections already handled in other bills, including House sections 254 and 255, and discussed but did not resolve disputes over liquor licensing functions, cannabis-related language, cost containment, special education, and several fee and fund provisions. The Senate explained its position on the governor’s commission language, saying opioid abatement trust funds could not be used for that purpose and that the commission should continue to be funded through 5% of gross liquor profits; it also described renaming the body the Commission on Addiction Treatment and Prevention and expanding its scope to include problem gambling. The meeting ended with several major items still open for later negotiation.
NH
Transcript Highlights:
- They claim that hate has no place here.
- They<01:19:01.199><c> claim</c><01:19:01.440><c> that</c><01:19:01.679><c> hate</c><01:19:02.080><c>
- </c> They claim that hate has no place here. They claim that hate has no place here.
- They claim to principle in another.
- </c> injured by vaccines and their claims injured by vaccines and their claims have<02:18:51.519><c>
NH
Transcript Highlights:
- So this again is tying someone’s right to vote to someone else’s ability to claim you as a dependent,
- I can’t control if my parents claim me as a dependent; if they don’t, you know, that’s a decision for
- So this again is tying someone’s right to vote to someone else’s ability to claim you as a dependent,
- I can’t control if my parents claim me as a dependent; if they don’t, you know, that’s a decision for
- </c><02:14:38.040><c> to</c> Hampshire law invalidates any claim to Hampshire law invalidates any claim
Committee:
House Election Law
NH
New Hampshire 2025 Regular Session
House Labor, Industrial and Rehabilitative Services (02/18/2025)
Labor, Industrial and Rehabilitative Services
Transcript Highlights:
- </c><00:33:03.399><c> where</c> requirements on their weekly claim where requirements on their weekly
- claim where they<00:33:03.720><c> have</c><00:33:03.840><c> to</c><00:33:04.200><c> document</c><00:
- </c><00:39:16.520><c> filing</c> least based on our current claim filing least based on our current claim
- filing behaviors from those two claim filing behaviors from those two recessionary<00:43:49.400><c>
- </c> utilization claims utilization claims how<01:28:55.520><c> does</c><01:28:55.719><c> that</c><01