Transcript Highlights:

• We can cut taxes on overtime pay and tips. We can give our seniors a break.
• off debt, or put food on the table, or pay the utility bill.
• To pay for ongoing investments, I am proposing one key action: make data centers pay their fair share
• We've launched a war on the cost of housing, and it's starting to pay off.
• A war on the cost of housing, and it's starting to pay off.

Keywords: 1182, all

Summary: The transcript is the opening joint session of the Arizona Legislature’s 57th Second Regular Session, featuring remarks from House and Senate leaders and Governor Katie Hobbs. House and Senate leaders emphasized a conservative governing agenda focused on affordability, public safety, parental rights, accountability, school choice, election integrity, and water policy, while also highlighting plans for tax cuts and cooperation across chambers. Governor Hobbs centered her address on the “Arizona promise,” stressing affordability, security, and freedom. She highlighted prior actions on job growth, medical debt relief, housing, public safety, border security, water management, and economic development, and announced new proposals including a middle-class tax cut package, a capacity and efficiency initiative to save state funds, a new active management area for La Paz County, a Colorado River Protection Fund, elimination of the data center tax exemption, a housing acceleration fund, and an Arizona Affordability Fund funded in part by a short-term rental fee. She also called for more accountability in the ESA program and for renewing Prop. 123 to support public schools. The governor and legislative leaders also addressed political violence, honoring retiring Senator Lela Alston and recognizing public safety and firefighting personnel. No formal votes or legislative actions were taken in the session; it concluded with the joint session being dissolved after the governor’s remarks.

Transcript Highlights:

• To date, the agency has spent approximately $21.9 million of the fund to pay for their contract costs
• This is for rate paying for both electric and water.
• Generally, in other states, staff pay is based on the executive director's pay.
• Do we want Oklahoma to pay their folks more than we do? I'll leave that there for you to consider.
• Overwhelming workload and comparatively low pay, why does our staff stay?

Bills: SB1, SB 1

Keywords: appropriations, budget, state funding, education, healthcare, infrastructure, campground safety, youth camp regulations, flood safety, emergency evacuation, health and safety standards, 1185, senate, all

Transcript Highlights:

• It's been 19 years since we've increased the pay of our election commissioners, and of course you know
• unchanged, so there'll be no fiscal note to the state, and we're not requiring any additional pay.
• Simply put, the responsibilities have increased, but the pay has not.
• House Bill 205 is not just about increasing pay. It's about sustaining that standard.
• I respectfully ask for your support increasing election commissioner pay.

Summary: The committee met on March 31 with a quorum present and heard three bills by Representative Bacala. House Bill 205 sought to increase compensation for election commissioners, with the author and several clerks of court and commissioners testifying that pay had not changed in 19 years despite greater responsibilities, longer hours, and additional training tied to election security and new voting systems. To avoid a state fiscal note, the committee adopted amendment set 2855, which removed the base pay increase and instead allowed parish governing authorities to provide a supplemental payment of up to $100 for commissioners in charge and those who complete instruction. The bill was then reported favorably. House Bill 67 addressed protected information for certain public officials and aligned the rules for clerks of court with those already applied to the Secretary of State’s office. The author described it as a technical correction to prior legislation governing what personal information may be published or removed. Stephen Procopio of PAR raised broader concerns about transparency, possible constitutional issues, and inconsistent treatment of information depending on the source, suggesting the law may need a larger review. The committee did not amend the bill and reported it favorably. House Bill 73 would allow local public bodies to vote by electronic voting machine, so long as the vote is publicly displayed, instead of being limited to voice votes. Bacala said the change was intended to clarify that electronic in-place voting is permissible and does not affect quorum, proxy voting, or remote participation. Representatives asked about whether members and the public must be able to see the vote and whether the bill changed existing procedures; the author said it did not. Support came from local government associations, and the bill was reported favorably.

Transcript Highlights:

• </c><00:10:21.680><c> I'm</c><00:10:22.000><c> paying</c><00:10:22.320><c> this</c> will pay for that
• I'm paying this will pay for that.
• </c> will pay X amount for those services. will pay X amount for those services.
• </c><00:10:54.640><c> It's</c><00:10:54.880><c> much</c> about um paying for services.
• It's much about um paying for services.

Keywords: 1136, house, all

Transcript Highlights:

• If it's a donation, you still don't, you don't pay any taxes? No.
• So you only pay taxes what the seller's...
• So you only pay taxes what the seller sells it for.
• But they all receive the pay, right? Yes, they do.
• I think that actually the pay raise in regard to the supplemental pay are two different issues and are

Bills: HR94, HR95, HR96, HR97, HR98, HR99, HR100, HR101, HR102, HR103, HR104, HR105, HR106, HR107, HR108, HR109, HR110, HR111, HCR45, HCR46, HCR47, HCR48, HCR49, HCR50, HR92, HR93, HCR44, SB11, SB72, SB78, SB151, SB207, SB210, SB219, SB241, SB286, SB324, SB351, SB376, SB409, SB411, HR74, HCR26, HB4, HB98, HB108, HB131, HB151, HB161, HB244, HB288, HB294, HB305, HB310, HB320, HB336, HB380, HB392, HB403, HB420, HB459, HB476, HB513, HB540, HB596, HB608, HB615, HB631, HB637, HB648, HB665, HB682, HB789, HB813, HB815, HB835, HB870, HB905, HB915, HB933, HB938, HB944, HB971, HB987, HB1040, HR15, HR20, HCR14, HCR6, HCR19, HCR10, HB81, HB134, HB154, HB163, HB170, HB194, HB217, HB220, HB254, HB259, HB290, HB308, HB311, HB360, HB382, HB401, HB410, HB417, HB463, HB575, HB592, HB718, HB723, HB750, HB755, HB776, HB812, HB844, HB882, HB888, HB961, HB966, HB980, HB54, HB67, HB73, HB125, HB133, HB158, HB168, HB169, HB191, HB195, HB245, HB280, HB283, HB296, HB319, HB339, HB399, HB407, HB448, HB550, HB591, HB826, HB995, HB1085, HB1086, HB722, HB140, HB468, HB546, HB746, HB842, HB923, HB166, HB349, HB352, HB429, HB436, HB588, HB747, HB780, HB782, HB911, HB827, HB953, HB796, HB901, HB9, HB52, HB58, HB193, HB284, HB400, HB570, HB577, HB582, HB605, HB733, HB735, HB868, HB952

Keywords: Sanfilippo Syndrome, awareness, genetic disorder, cognitive impairment, Louisiana, Alzheimer's, dementia, caregivers, public health, health education, civil bench warrants, judgment debtors, notification process, judgment debtor examination, Louisiana State Law Institute, Knock Knock Children's Museum, early childhood education, economic development, community engagement, Louisiana legislature

Summary: The House convened with a quorum, prayer, and the Pledge of Allegiance, then moved through a long morning of personal privileges, commemorations, and resolution introductions. Members recognized Coca-Cola United for its Louisiana economic impact and community work, designated April 7 as Coca-Cola Day, celebrated Ponchatoula Strawberry Festival Day, Dad’s Day, and other guests and honorees, including a science fair participant, Jack and Jill of America, and a birthday recognition. The House also introduced numerous resolutions on topics including awareness days, condolences, civic education, health, and local commemorations, and several were adopted or advanced without objection. The chamber then took up a series of bills and committee reports. Among the measures advanced were bills on constitutional convention procedures, criminal justice and post-conviction relief, public meetings, health care, education, insurance, natural resources, and local government. Several bills were reported favorably or with amendments and moved to third reading, including measures on school resource officers, pharmacy benefit managers, rural health clinics, the LSU Energy Institute, and live broadcasting of public meetings. The House also passed bills recreating the Department of Treasury, requiring cash acceptance or cash-to-credit options at state public facilities, funding municipal fire and police civil service administration, naming a highway segment for Sgt. Michael J. Guillory, and clarifying legislative review of certain contract amendments. Floor debate centered on a few substantive bills. HB 134, which would prohibit platforms from delivering pornography to minor accounts and authorize Attorney General enforcement, passed 98-0. HB 170, clarifying when the prescriptive period begins for certain construction-related claims, passed 89-7 after discussion of substantial completion and owner occupancy. HB 217, creating an optional property tax exemption for rehabilitation of blighted residential property, passed 83-13 after amendment. HB 259, addressing damage to infrastructure during broadband excavation and requiring notice, repair, and payment accountability, passed 98-0 after amendments. HB 308, requiring state public facilities to accept cash or provide a cash-to-credit machine, passed 98-0. HB 360, naming a highway memorial for Sgt. Michael J. Guillory, passed 101-0. HB 382, streamlining budget committee review of certain contract amendments, passed 96-0. The House also debated HB 410, a privacy bill requiring notice when a participant in a direct in-person conversation is being recorded, with exceptions for law enforcement, evidence of crime, and certain civil or administrative proceedings. Members raised concerns about the scope of the exceptions, undercover journalism, and the relationship to Louisiana’s one-party consent wiretapping law, but the bill’s sponsor said it would not change criminal wiretapping law and was modeled on other states’ approaches. The transcript ends during that debate, with no final vote shown for HB 410.

Transcript Highlights:

• the holiday pay.
• the uh the holiday paying the uh the holiday pay<00:21:42.679><c> director</c><00:21:43.039><c> Bailey
• </c><00:21:43.440><c> Chair</c><00:21:43.679><c> Shaker</c> pay director Bailey Chair Shaker pay director
• Board mandates for the holiday pay piece and the minimum wage piece.
• </c><01:34:10.280><c> increases</c> retention problem I know pay increases retention problem I know pay

Bills: HF1419, HF500

Keywords: nursing facilities, reimbursement rates, elderly care, minimum wage, healthcare funding, nursing home, employment standards, worker rights, Minnesota Statutes, labor compensation, 1183, house

Transcript Highlights:

• </c> Fair days pay for a hard day's work. Fair days pay for a hard day's work.
• pay.
• That's a pay cut.
• That's a pay cut. That's why we work. That's a pay cut.
• When someone pays taxes, they base pay?

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, January 13, 2026, 1012, house, all

Transcript Highlights:

• </c><00:30:50.799><c> for</c> of Minnesota, then you should pay for of Minnesota, then you should pay
• They aren't going to pay this. Who's going to pay this?
• </c><00:32:19.760><c> Who's</c> They aren't going to pay this. Who's They aren't going to pay this.
• Who's going<00:32:20.159><c> to</c><00:32:20.240><c> pay</c> going to pay going to pay this?
• also pay into school referenda?

Keywords: 1187, senate, all

Transcript Highlights:

• You will pay rent and you move out July 31st."
• </c><00:31:04.880><c> being</c> the lease, you should be paying being the lease, you should be paying
• </c> able to pay um a prrated mount amount. able to pay um a prrated mount amount.
• Students agree to pay rent for a certain amount of days, as they should, and not anymore.
• Students agree to pay rent for a certain amount of days, as they should, and not anymore.

Bills: HF2740, HF2901, HF4443, HF3943

Keywords: affordable housing, housing finance, Minnesota Housing Finance Agency, MHFA, low-income housing tax credit, LIHTC, Section 42, compliance period, housing stability, rental housing, affordable rental housing, homelessness, housing insecurity, housing supply, preservation, recapitalization, distressed properties, regulatory relief, local affordable housing aid, Interagency Council to End Homelessness

Transcript Highlights:

• It's just saying, hey, pay a user fee, pay a rental fee, nothing more than that.
• They've got more money per capita than we do, and they can afford to pay for their own Air Force.
• Just saying 15 million bucks, well, let's just get a little help paying for it. That's all.
• Then there's a treatment facility that the Air Force or the Department of Defense is paying for.
• They pay us back by being here. Thank you. Representative Deiger: Thank you, Mr. Chairman.

Summary: The House Research and Conservation Committee met with a quorum and first approved four RSs for introduction and printing: RS 33353, RS 33344, RS 32090, and RS 33348. The committee then took up RS 33185 C1, sponsored by Representative Gannon, which would direct the Idaho Water Resources Board to seek a user or rental fee from foreign countries training at Mountain Home Air Force Base for use of the Snake River-to-base water pipeline funded by state general funds and ARPA money. Representative Gannon argued the bill was a simple request that wealthy foreign governments, such as Singapore and Qatar, help reimburse Idaho taxpayers for a project that now appears to support permanent foreign training facilities at the base. Opponents, including Representatives VanderWoude, Deiger, Pickett, and Nelson, said the pipeline and water-right arrangement were made in good faith to preserve the base’s viability and address water-quality and growth issues, and warned that reopening the agreement could undermine Idaho’s reliability in negotiated deals. Supporters of the bill also questioned whether foreign users should contribute to related costs. A substitute motion by Representative Church to introduce RS 33185 C1 failed on a voice vote. The committee then adopted the main motion to hold and return RS 33185 C1 to the sponsor, effectively not introducing the bill. The meeting then adjourned.

Transcript Highlights:

• Which pay fees associated with licensure and regulatory filings.
• And then the cancellations and then the pay not being enough.
• To me, that's just a way for insurance to go, “We're not paying.”
• much as what we're paying here in Missouri.
• I mean, there are some criteria in terms of who pays in as a...

Keywords: 959, house, all

Transcript Highlights:

• Or we could have increased refunds for Minnesota families who do pay property taxes.
• </c><00:12:49.519><c> property</c> Minnesota families who do pay property Minnesota families who do pay
• But not everybody pays taxes if you're under 18.
• If you're over 65, you probably don't pay a lot of taxes.
• </c><00:33:06.159><c> for</c> things, how we're going to pay for things, how we're going to pay for health

Keywords: 1183, house

Transcript Highlights:

• And it's not just our pay.
• We do not touch back pay.
• We do not touch back pay.
• I had to pay a fee for it.
• SB 642 strengthens our pay equity and pay transparency laws. I respectfully ask for an aye vote.

Summary: The committee heard several bills, with most drawing support after amendments or ongoing stakeholder negotiations. SB 29, by Senator Laird, would extend a sunset on the law allowing pain-and-suffering claims to survive a plaintiff’s death; supporters, including a family member describing a medical negligence case, labor groups, consumer advocates, and disability and elder organizations, argued it prevents defendants from running out the clock, while hospitals, medical groups, and business organizations warned of higher costs and added liability. After extensive debate about data collection, settlement reporting, and the impact on health care access, the bill passed to Appropriations on a divided vote. SB 294, by Senator Reyes and presented by Senator Laird, would require employers to notify a worker’s emergency contact if the worker is arrested or detained and would create a template to inform employees of state and federal labor rights. Labor and worker advocates said the bill would help workers understand and enforce their rights amid weakened federal enforcement; there was no opposition on file, and the bill passed unanimously to Appropriations. SB 697 would modernize water-rights adjudication by allowing the State Water Board to use technology instead of requiring in-person field investigations; with no opposition, it also passed unanimously. The committee also advanced SB 37 on attorney advertising, SB 645 on peremptory challenges in civil cases, SB 303 on bias-mitigation trainings in public workplaces, and SB 464 on expanding pay-data reporting for specified state workers. SB 37 drew support from consumer and legal groups but concerns from Walker Advertising about joint advertising; members said negotiations were ongoing, and the bill passed. SB 645 would extend anti-bias jury-selection rules to certain civil rights cases; criminal-defense and defense groups said they were close to agreement, and the bill passed. SB 303 and SB 464 were both amended to narrow scope and moved forward after several opponents shifted to neutral or removed opposition. The committee also approved a consent calendar of additional bills, all sent to Appropriations.

Transcript Highlights:

• </c><00:22:05.280><c> I</c> be paying too much, understandably so.
• I be paying too much, understandably so.
• The current lease, we do not pay water and sewer for.
• lease we do not pay water and sewer<00:25:25.919><c> for.
• We do pay electric and gas. sewer for. We do pay electric and gas.

Keywords: 958, all

Summary: The committee first approved the December meeting minutes and received several information items, including quarterly capital project status reports, University of Kentucky medical and equipment purchases, school district bond issue notices, and a University of Kentucky RFP for an enterprise services partner. Members also briefly discussed a University of Kentucky public-private partnership for student housing and dining, with comments that such arrangements may improve efficiency and use of taxpayer dollars during a difficult budget year. The main substantive discussion centered on a new CHFS lease in Harlan County for the Department for Community Based Services. Members questioned the proposed annual cost of $25.62 per square foot, which was far above the county average cited in the meeting, and raised concerns about the one responsive bid, the long lease term through 2033, and whether a nearby hospital or other entity might have been interested. CHFS staff said the current office space is in poor condition, that the new lease includes needed construction and 60 parking spaces, and that the office is limited to considering only actual bidders. After debate over whether to rebid or negotiate, the committee voted to approve the lease, with some members supporting it because of the current facility’s condition and others recording reservations. The committee then approved the remaining 10 lease renewals as a group. These included one renewal for the Commonwealth’s prosecutorial system and renewals for several CHFS offices, the Department of Corrections, the Department of Juvenile Justice, and the Department of Natural Resources. One member noted that seven of the 10 renewals were at or below the county average rate and said the overall package was substantially in line with local market conditions.

Transcript Highlights:

• The clients have to pay for that.
• We're also paying for. So that's how we're an outlier.
• And we're paying the other side's...
• Arbitration might not deter a wealthy victim who can pay a high-powered attorney and can pay for arbitrators
• It may only pay by check.

Bills: SB6239, SB6074, SB5886, SB6041, SB6190

Keywords: tort claims, state liability, Washington law, government accountability, legal process, parole, criminal justice reform, felony, recidivism, rehabilitation, public safety, personality rights, right of publicity, publicity rights, name image likeness, NIL, deepfake, AI-generated content, digital impersonation, forged digital likeness

Transcript Highlights:

• They just pay the additional fee, or we pay the additional fee for them. It's just a court cost.
• We do not pay for that. Okay.
• we have to start paying interest.
• It doesn't really matter because we've got the E and we can pay out whatever we need to pay out.
• It doesn't really matter because we've got the E and we can pay out whatever we need to pay out.

Summary: Attorney General Catherine Hanaway presented the Office of the Attorney General’s FY 2027 budget request and outlined her office’s priorities: reducing violent crime, targeting illegal and unregulated activities she described as a “vice squad” focus, protecting Missourians from fraud, and improving the office’s legal work. She highlighted major cases and enforcement efforts, including litigation over insulin pricing, Dollar General pricing practices, a criminal prosecution in Hermann, the Jackson County assessment dispute, and a new lawsuit involving Misha’s board policy. Committee members asked about cybercrime enforcement, cooperation with federal authorities, VLTs, ballot and referendum litigation, and the office’s approach to diversity-related legal issues. Hanaway said cybercrime and no-call enforcement rely heavily on multi-state and federal cooperation, and she emphasized that many cases begin with citizen reports. Members also questioned the cost and scope of ongoing election-related litigation, including redistricting and referendum cases, and Hanaway said her office is defending the laws and ballot processes as required. She estimated roughly $600,000 in staff time over about six months for the referendum/redistricting work combined. Several members raised concerns about the Misha lawsuit and whether similar statutory provisions elsewhere in state government could raise the same legal issues; Hanaway responded that the case involved a board rule, not a statute, and turned on whether the requirement functioned as a quota. The committee also discussed child sexual exploitation, human trafficking, Medicaid fraud, and the use of outside counsel and pro hac vice fees. Hanaway said the office is using non-GR funds where possible and is not requesting pay increases this year. The Missouri Office of Prosecution Services then presented its budget. Officials explained that MOPS trains and supports prosecutors statewide, including on DWIs, child sex cases, and new prosecutor training, and that its budget request matches the governor’s recommendation. Members asked about support for local prosecutors, the nine counties without elected prosecutors, and the new conviction integrity unit; staff said the unit’s positions were shifted between line items and that the office can help answer prosecutorial questions through its general counsel. The committee then moved to the Department of Public Safety budget. DPS reviewed funding for crime victims notification, law enforcement recruitment and retention, drug task forces, academy scholarships, Blue Star grants, local crime prevention, school safety, World Cup security, 988 trainings, wastewater testing in schools, and other programs. Members asked about the $59 million federal FIFA World Cup grant, school safety app funding, and wastewater testing participation; DPS said the World Cup funds require no state match, the app funding is being phased out, and schools opted into the testing program. The committee recessed before finishing the DPS book, with plans to return later.

Transcript Highlights:

• They had to pay for it themselves, even though the law says Denturity will pay for it.
• You're paying the Pittman-Robertson funds, or you're paying the Dingell-Johnson funds.
• , and they're paying for them to go to a private school, or the parents are paying for it to homeschool
• Parents are already paying for that.
• So to tell parents who are already paying those fees, who are already paying normal taxes, and they choose

Keywords: 989, all

Summary: The House convened with a quorum, approved the journal, and received messages from the Governor and Senate on numerous enrolled and amended bills. The chamber concurred with Senate amendments to House Bill 542 after a brief explanation of the technical changes, and several committee reports were read, including printing, enrollment, and referrals for bills and resolutions. The House also introduced new measures, including House Bill 938 on public assistance definitions for candy and soda, and referred several Senate bills to standing committees. On third reading, the House passed House Bill 897, which narrows and adds conditions to a data center sales tax exemption, including water and electricity-related requirements and a 20-year cap, and House Bill 926, which expands community infrastructure districts to counties outside city limits. House Bill 935, consolidating the Board of Denturity with the Board of Dentistry, also passed after debate over board finances and professional independence. House Concurrent Resolution 36, supporting the Idaho Air National Guard’s transition from A-10s to F-16s, passed by voice vote despite concerns about airport noise and neighborhood impacts. Senate Bill 1326, a property rights/open fields bill limiting warrantless agency entry on private land while preserving lawful investigations and service of process, passed 65-3 with two abstentions. Several other bills were considered with mixed outcomes. House Bill 842, which would have changed city budget growth caps, foregone use, and related property tax rules, failed 28-41 after objections that it would raise taxes or create fiscal uncertainty. Senate Bill 1258 passed to allow rural distilleries to serve their own products under certain conditions, Senate Bill 1382, the Fish and Game enhancement budget, failed 32-36, and Senate Bill 1387, the State Historical Society budget, passed. The House also passed Senate Bill 1388 on Department of Correction enhancements, Senate Bill 1262 clarifying insurer investment rules, Senate Bill 1285 recognizing nonpublic high school diplomas for licensing purposes, Senate Bill 1250 expanding confidentiality for certain death-scene photographs, Senate Bill 1260 revising immigration-related enforcement language, Senate Bill 1311 on ignition interlock vendor notices and reporting, Senate Bill 1369 changing venue rules for lawsuits, Senate Bill 1303 expanding uses of energy royalty funds, and Senate Joint Memorial 11 urging protection of federal public lands from mass disposal.

Transcript Highlights:

• Within a deadline and the requesting entity must pay for it.
• These audits, or these reappraisals, and pay for them.
• Reasonable for them to have to pay twice to remedy that.
• And so we feel like because they're already paying. They shouldn't have to pay for something twice.
• They can't afford to pay their taxes. They're paying penalties and interest.

Bills: HB1952, HB3258, HB3524, HB3851, HB4478, HB4613, HB4703, HB4742, HB4744, HB4809, HB4864

Keywords: county appraisal district, board of directors, governance, taxing units, public representation, penalty, property report, taxation, timely filing, chief appraiser, appraisal district, ad valorem tax, property appraisal, tax protests, unequal appraisal, property rights, property tax, public employees, protest leave, appraisal review board

Transcript Highlights:

• We are paying a lot for insurance in Florida.
• So we do pay for the coverage.
• But the thing is, your consumers are paying more in premium. They are.
• So they're afraid and they're just paying for it on their own.
• So they're afraid and they're just paying for it on their own.

Summary: The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin. The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials. Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.

Transcript Highlights:

• </c> can't pay. can't pay.
• I just have to pay pay pay the<02:45:35.040><c> state</c><02:45:35.680><c> for</c><02:45:36.000><c> the
• </c> they're going to pay that. they're going to pay that.
• They got to pay pay one. gate. They got to pay pay one.
• </c> that they are required to pay. that they are required to pay.

Keywords: 916, all