Video & Transcript Research : 'incentive programs'

Page 179 of 500
MN

Minnesota 2025-2026 Regular Session

Committee on Jobs and Economic Development - 03/26/25

Jobs and Economic Development

Transcript Highlights:
  • Uh and with about the program itself.
  • their unique college program and beyond. their unique college program and beyond.
  • for out of programs like this.
  • ramp up the program and get it settled. ramp up the program and get it settled.
  • And I think not only for those programs but for all programs.
Keywords: 1187, senate, all
KY
Transcript Highlights:
  • c><00:08:15.520> of<00:08:15.680> those<00:08:15.919> programs.
  • <00:08:16.800> Uh<00:08:17.199> to the operations of those programs.
  • Uh to the operations of those programs.
  • Okay, second question and hubs program.
  • Um and I think engaged with the program.
Keywords: 958, all
Summary: The Government Contract Committee met with a quorum, observed a moment of silence for Representative McCool after the death of his sister, and approved the April 14 minutes. The committee then reviewed a large agenda of contracts and amendments, beginning with a deferred Office of the Controller procurement involving broker services. Members questioned why a contract that had previously been handled for about $300,000 annually was now priced at about $1 million, and why the procurement was limited to one year. Office of the Controller staff said the prior vendor had held the work for more than 20 years, the work had previously been treated as not practical to bid, and the new RFP was intended to increase competition. They said the technical evaluation was scored before cost was considered, that past performance was not scored because it was seen as unreliable, and that AON received the highest technical score despite not being the lowest bidder. After discussion, the committee voted to take no action and let the contract proceed to the Finance Cabinet, with members noting continuing concerns about the pricing and process. The committee next considered a DCBS memorandum of agreement amendment for language services. DCBS representatives said the additional funding did not come from a new cut elsewhere, but from reduced spending on interpreter services because commonly used forms had been translated into other languages, freeing up funds for the contract. The committee approved the item unanimously. The final major item discussed was an initial contract for the Board of Hairdressers and Cosmetologists for legal services. Board staff said the board had been without a permanent general counsel since March 2024 and had relied on special and conflict counsel because of unusually heavy litigation, including 11 active cases, plus broader disciplinary and licensing changes tied to recent legislation and an oversight report. They said the contract was a not-to-exceed amount funded entirely by agency fees and that the board was currently running a surplus. Senator Thomas urged support, citing prior legislation and oversight findings about problems at the board and saying the contract was needed to help the board address ongoing litigation and corrective work. The committee approved the contract and then approved the remaining agenda items without objection, sending them forward.
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 2/20/25

Commerce Finance and Policy

Transcript Highlights:
  • are no consequences for not returning the affidavit, which gives high net worth policyholders an incentive
  • to ignore the request so they incentive to ignore the request so they can<00:02:16.480> receive
  • Medicare is a federal program. Medicaid is driven by federal program components, basically.
  • Medicaid is Drive driven by program Medicaid is Drive driven by federal<00:57:10.200> program
  • <00:58:12.400> that<00:58:12.559> I other programs that I other programs that I mentioned
Bills: HF747, HF1014, HF320, HF400
CA

California 2025-2026 Regular Session

Assembly Agriculture Committee Mar 26th, 2025

Agriculture

Transcript Highlights:
  • I am so happy that the pilot program is back. It actually helped me reverse my type 2 diabetes.
  • This allows more flexibility to continue having these wonderful programs in our communities.
  • I am here today to ask you to support AB 937, which seeks to improve the program.
  • I love this program.
  • programs.
Keywords: 988, house, all
AZ

Arizona 2026 Regular Session

03/17/2026 - House Natural Resources, Energy & Water

Natural Resources, Energy & Water

Transcript Highlights:
  • This isn't an administrative program. They're enforcing the statute that the legislature put down.
  • It requires the disclosure regarding potential utility rate or tax incentive changes to substantiate
  • The great part about WIFA is, since we have no profit incentive as a government bank, the money that
Summary: The committee heard several water and energy-related measures. SB 1200, as amended, addressed Arizona Department of Water Resources treatment of certain “conduit lakes” in active management areas, allowing some existing lake systems to continue using groundwater mixed with effluent for irrigation or landscaping purposes. ADWR testified in opposition to the amendment’s policy implications and enforcement concerns, while HOA, homebuilder, and resident witnesses argued the bill would grandfather existing communities, avoid costly system redesigns, and reflect prior agency practice. The committee adopted the strike-everything amendment and then passed SB 1200 on a 6-3 vote. SB 1419, dealing with residential rooftop solar installations, was amended to add consumer-protection and disclosure requirements, including roof inspection and installation standards, clearer contract disclosures, and contractor responsibilities. County and industry witnesses said the bill was the product of a lengthy stakeholder process aimed at addressing misleading sales practices and installation problems, though some technical issues were still to be resolved on the floor. The committee adopted the amendment and passed SB 1419 on a 6-1 vote with two members present and one absent. SB 1447, which extends Pinal AMA groundwater withdrawal fee provisions and related fund deadlines, was supported by irrigation and agricultural interests as a way to finance local infrastructure and conservation during Colorado River uncertainty; it passed 7-1 with one present and one absent. SB 1560 raised the maximum single loan amount from the Water Supply Development Revolving Fund from $3 million to $20 million. WIFA said the current cap was too low for larger rural water projects and that the change would better match demand without harming the fund’s revolving nature; the bill passed 8-1 with one absent. The committee also approved SCM 1004, urging Congress to clearly define EPA powers and duties, despite some members saying it was unnecessary or backward-looking; it passed 6-2 with one absent. The meeting then adjourned.
TX
Transcript Highlights:
  • There is an incentive to speed, run red lights, and engage in distracted driving, because many times
  • dollars of coverage. ...more because they're recognizing that this is good policy based on the incentives
  • Your understanding is correct in our implementation. ...rules for the TEF programs, there is no exclusion
Bills: HB111
Keywords: 1185, senate, all
TX

Texas 89th Regular

State Affairs (Part I) Apr 14th, 2025

State Affairs

Transcript Highlights:
  • The bill also directs the Ethics Commissioner to develop a training program so state employees can recognize
  • But separate the two, and you might cut back on some of the incentive for the ambulance chasing that
  • could... ...because of the whole process we've got, and if there's some way we could remove the incentive
Summary: The Senate Committee on State Affairs heard Senate Bill 3031, which would expand aggravated assault to cover certain road-rage shootings involving a person in or traveling to or from a motor vehicle, when a firearm is discharged and causes injury, property damage, or fear of serious bodily injury. Senator Schwertner laid out the bill for the author, described it as closing a gap in the law, and there was no public testimony; the bill was left pending. The committee then heard Senate Bill 2514, a measure by Chairman Hughes aimed at creating a DPS unit to identify, investigate, and monitor hostile foreign influence operations and to require ethics training for state employees. Supportive invited testimony from Dr. Jacqueline Deal, Ambassador Kelly Curry, and Michael Lucci emphasized threats from the Chinese Communist Party, transnational repression, cyber intrusion, and state-level influence efforts, and argued Texas should take a leading role. Public testimony included opposition from speakers who raised concerns about free speech, privacy, and potential overbreadth. The bill was left pending after testimony closed. Finally, the committee took up Senate Bill 30 as pending business and discussed a committee substitute. Senator Schwertner explained that the substitute would limit admissible medical expense evidence to amounts paid or up to 300% of Medicare, clarify treatment of provider testimony and attorney-referred providers, remove a requirement that plaintiffs use available health insurance to mitigate damages, strike a unanimous-verdict requirement for non-economic damages, and delete a remittitur provision. Senators questioned the impact on sexual assault and child abuse survivors, the use of Medicare as a benchmark, and whether the bill would still allow fair compensation. After discussion, SB 30 was left pending and the committee recessed subject to the call of the chair.
TX

Texas 89th 2nd C.S.

Licensing & Administrative Procedures Apr 1st, 2025

Licensing & Administrative Procedures

Transcript Highlights:
  • It's been a very successful program.
  • No known city regulates the hours of operation for booting, creating a bizarre incentive structure for
  • the landowners, like the parking lot owners give the parking lot owners a cut and so there's an incentive
TX

Texas 89th Regular

Licensing & Administrative Procedures Apr 1st, 2025

Licensing & Administrative Procedures

Transcript Highlights:
  • It's been a very successful program around the state. And I'd be happy to answer any questions.
  • Regulates the hours of operation for booting, creating a bizarre incentive structure for booting companies
  • And so there's an incentive to operate as this trap lot.
CA
Transcript Highlights:
  • Pipeline biomethane is already a program at the Public Utilities Commission.
  • 1383, the short-lived climate pollutant law, requires is for state agencies to adopt policies and incentives
  • Local governments have every incentive to plan for and permit organic waste processing facilities.
Summary: The committee heard and advanced a series of natural resources and climate-related bills. AB 70 would codify a definition of pyrolysis and allow procurement credit for projects using organic waste to generate pipeline biomethane; supporters said it would help divert organic waste from landfills, reduce methane, and support energy reliability. AB 30 would authorize E15 fuel sales in California, with supporters arguing it could lower consumer fuel costs and emissions, while opponents from boating and marine groups raised concerns about engine damage and the need for clear labeling and continued E10 availability. AB 66 would create a CEQA exemption for emergency evacuation routes in high fire-risk areas; supporters emphasized wildfire evacuation safety, while some members worried the bill lacked sufficient guardrails and environmental review. AB 399 would let the Coastal Commission consider blue carbon sequestration in coastal permitting and authorize blue carbon demonstration projects; environmental groups supported it, while business groups objected to new costs and regulatory uncertainty. AB 491 would codify California’s nature-based solutions climate targets for lands and wetlands, with supporters citing climate and adaptation benefits and the Farm Bureau opposing statutory targets. AB 580 would extend Metropolitan Water District authority related to the Colorado River Aqueduct, and AB 43 would make permanent state authority to protect federally designated wild and scenic rivers if federal protections are weakened. The committee also considered AB 436 to streamline siting and permitting of composting facilities and AB 539 to streamline certain Coastal Act procedures and reporting. Most measures received due-pass recommendations and were reported out on roll calls, with several bills also moving on consent; AB 404 was pulled at the author’s request.
FL

Florida 2025 Regular Session

March 12, 2025 - 10:15 AM

Transcript Highlights:
  • I'm just thinking about if you take away the incentive, My good friend, Reposada, my neighbor in Miami-Dade
  • I'm just thinking about if you take away the incentive, ...movement here.
  • I'm just thinking about if you take away the incentive for a municipal utility to provide infrastructure
Summary: The Economic Infrastructure Subcommittee met with a quorum present and considered five bills. The first, PCS for HB 987, was an honorary transportation facility designation bill naming several roads and an overpass for fallen officers, a military service member, and first responders. An amendment added the Sheriff Gary S. Borders Memorial Highway designation in Lake County. Members offered supportive remarks, and the bill passed 17-0. The committee then heard HB 703, which would require authorities such as FDOT or local governments to pay the costs when they require telecom providers to relocate infrastructure from public rights-of-way. Support came from Charter Communications, Associated Industries of Florida, and Florida Internet and Television, with discussion focused on the communication services tax and the cost burden of relocations. The bill passed unanimously 18-0. HB 1523 followed, addressing municipal utilities serving customers outside their boundaries by requiring public meetings, annual reporting, limits on transfers to general revenue, and reduced or eliminated surcharges for outside-boundary customers. Municipal utility representatives opposed parts of the bill, citing rural impacts, debt obligations, and the need for a glide path, while supporters argued for transparency and fairness to ratepayers outside municipal boundaries. An amendment changed a reporting date to January 31, 2026, and the bill passed 14-4. HB 867 established a legal framework for commuter rail operations along Florida’s coastal corridor, including insurance and indemnification arrangements for Miami-Dade, Broward, and Palm Beach counties using the Florida East Coast Railway right-of-way. An amendment clarified that Florida East Coast Railway and Brightline are not state entities and do not have sovereign immunity unless expressly provided by law. The bill passed 18-0. Finally, HB 1137 clarified a prior energy preemption law by adding boards, agencies, commissions, and authorities of counties and municipal corporations to the entities covered, aimed at preventing discriminatory energy-source practices by an appointed board. Public testimony included support from the Florida Natural Gas Association and the Florida Home Builders Association and opposition from Florida Student Power. Members noted the bill was a cleanup measure, and it passed favorably.
AL

Alabama 2026 Regular Session

Alabama Senate Mar 12th, 2026

Alabama Senate Floor Meeting

Transcript Highlights:
  • <01:15:26.960> to some of our existing uh incentives to some of our existing uh incentives
  • The amendment just helps with existing incentives and contractual obligations that are already on the
  • The amendment just helps with existing incentives and contractual obligations that are already on the
  • The amendment just helps with existing incentives and contractual obligations that are already on the
  • Alabama's incentives for data >> right?
Keywords: 920, all
Summary: The Senate convened with prayer, the pledge, and a roll call establishing a quorum of 28 senators present. The body agreed to excuse absent senators, dispense with reading and adopt the previous journal, and allow bills and committee reports to be introduced throughout the day. The presiding officer also recognized several guests on the floor and in the gallery, including an intern from the Lieutenant Governor’s office and guests of Senator Chambliss. Committee reports focused on confirmations for Alabama State University’s Board of Trustees. Patricia Anne Jones (Confirmation 79), Angela Star (Confirmation 80), and Bobby Singleton (Confirmation 78) each received favorable committee reports and were confirmed by the full Senate, with roll-call votes showing unanimous or near-unanimous support. The chamber spent considerable time in lighthearted debate and personal remarks during Singleton’s confirmation before adopting the motion and confirming him. The Senate also adopted Senate Joint Resolution 81 commending the Coach Safely Foundation for youth sports injury mitigation, and several other resolutions honoring individuals and organizations, including Johnny Williams, Jim America, Senior Trooper Hunter Woodruff, and retired Army Colonel Shawn Thomas Prricett. A resolution encouraging Alabama public high schools to form a consortium was also adopted. On local bills, the Senate passed Senate Bill 243 regarding Jefferson County and House Bill 532 regarding Shelby County, both by using the previous roll and with no opposition. The Rules Committee then reported a special order calendar for the 22nd legislative day, which the Senate adopted 30-0. The special order calendar included bills on the Board of Funeral Services, the Public Service Commission, tax abatements, electric utilities, child support, dogs, school lands, Chambers County, and real property. The first special-order bill taken up was Senate Bill 107 by Senators Figures and Gudger, concerning the Alabama Board of Funeral Services. Senators discussed the bill’s purpose of funding the board’s increased duties, the effect on funeral home license fees, and an amendment offered by Senator Bell to reduce certain fees. The amendment was adopted, and the bill was explained as not affecting pre-need funeral arrangements. Debate continued as members asked questions about costs to families and funeral homes, but the chamber had not yet reached final disposition of the bill by the end of the excerpt.
TX

Texas 89th Regular

Education K-16 (Part II) May 8th, 2025

Education K-16

Transcript Highlights:
  • There's no incentive to do it.
  • These include the Rural Pathways Excellent Partnership Program.
  • This bill raises the new instructional facility allotment program cap and expands program eligibility
  • House Bill 120 introduces uh military pathway grant program and supports junior ROTC programs and connects
  • Career ready and it it is a very, very great program.
Bills: HB6, HB120, HB210
TX
Transcript Highlights:
  • This legislation would be advantageous to the program.
  • It's item C on the grant program.
  • It's item 3: coordinate volunteer programs by local governments to ensure programs align with state standards
  • But some of the programs are at risk of being cut.
  • It's a good program.
Keywords: 1185, senate, all
NJ

New Jersey 2026-2027 Regular Session

Assembly Appropriations Jun 8th, 2026

Transcript Highlights:
  • Secretary of Agriculture to establish a farm-to-school local food procurement reimbursement grant program
  • to reimburse school districts for costs, ...food procurement reimbursement grant program to reimburse
  • Citizen and disabled resident transportation assistance program.
  • Instead, they hand their prices to a shared computer program.
  • for builders... ...tax incentives for builders or making sure there are renovation grants.
Keywords: 1146, all
OK

Oklahoma 2026 Regular Session

Health and Human Services REVISED Apr 13th, 2026 at 02:00 pm

Health and Human Services

Transcript Highlights:
  • We've tried, like I said, we've tried incentives, but the common theme is that if you mostly what I keep
  • I feel that if there are opportunities to enhance training programs so that they make them feel more
  • requires the Oklahoma Department of Commerce to develop a three-year trishare of workforce pilot program
  • The pilot program title is off, and the Bill is not currently funded.
  • It does not create a new state program or appropriate state funds. Therefore, the...
CA

California 2025-2026 Regular Session

Assembly Floor Session Sep 10th, 2025

California House Floor Meeting

Transcript Highlights:
  • Without the ability to fully monetize these incentives, clean energy projects in California will cost
  • This is a program near and dear to my heart because it's one of the programs that got me thrown off the
  • We should not be extending this program.
  • We should be voting against this bill and closing this program down.
  • , the AFA program.
Summary: The Assembly convened, initially lacked a quorum, then returned to session with prayer, pledge, and a moment of silence for Charlie Kirk following news of his shooting. Members then handled a series of procedural motions, including suspending rules, moving several bills to the inactive file, re-referring bills to committees, and authorizing committee meetings. The chamber also observed adjournments in memory for several individuals, including Ermilo Don Rodas, John Burton, Nina Chomsky, and Barbara “Bobby” Samperey. On the floor file, members considered and passed a long list of Senate bills, largely on bipartisan or unanimous votes. Topics included consumer protection and transparency for self-storage contracts (SB 709), adoption jurisdiction (SB 450), privacy and name/image protections (SB 683), an audit of the February 2025 bar exam (SB 47), data broker transparency (SB 361), used-car buyer protections (SB 76), state parks land acquisition streamlining (SB 630), cemetery work group deadlines (SB 777), financial enforcement authority (SB 825), utility outage reporting and reliability planning (SB 292), vital records confidentiality (SB 313), health care coverage and hormone therapy access (SB 418), workplace outreach (SB 578), Holocaust and genocide education (SB 472), county jail treatment for misdemeanor incompetency cases (SB 820), and AI companion chatbot safeguards for minors and self-harm risks (SB 243). Most measures passed with little or no opposition, though SB 578 drew sharp debate over the workplace outreach program and its funding. The Assembly also took up concurrence items and approved numerous Assembly bills with Senate amendments. These included transparency in legislative nondisclosure agreements (AB 1370), affordable faculty/staff housing provisions at community colleges (AB 648), tribal youth foster care reforms (AB 1378), EV charger payment regulations (AB 1423), technical Political Reform Act changes (AB 1511), diacritical marks on vital records (AB 64), reproductive health protections with urgency (AB 260), union and collective bargaining protections (AB 288), bench trial statement-of-decision streamlining (AB 515), agricultural land stewardship (AB 524), geothermal exploratory project rules (AB 527), Medi-Cal field medicine changes (AB 543), tobacco-related provisions (AB 573), social media platform rules (AB 656), state parks transaction reporting (AB 679), professional licensing changes (AB 742), and child care staffing and assistant teacher pathways with urgency (AB 753). Votes were generally strong, with several measures passing unanimously or near-unanimously.
FL

Florida 2026 5th Special Session

Fiscal Policy Apr 8th, 2025

Transcript Highlights:
  • The amendment creates a pilot program at the Sarasota Manatee Airport Authority to determine the long-term
  • Generation, what a concept, traffic signal modernization program to retrofit certain traffic signals
  • and allocates $10 million annually from the State Transportation Trust Fund for the program.
  • and the civil culture disaster recovery grant program.
  • The purpose of the bill was not to create a jobs program.
Summary: The committee first took up CS for CS for CS for SB 462 on transportation. A substitute amendment was adopted that would require counties receiving transportation surtax proceeds to report how the money is used to the Office of Economic and Demographic Research, prohibit certain airport fees tied to collegiate aviation flight training, create a Sarasota-Manatee Airport Authority pilot program, and dedicate $10 million annually for a traffic signal modernization program. The amendment also removed several provisions from the bill, including a sales-tax transfer to the State Transportation Trust Fund, a bid-protest-related contracting requirement, and repeal of the Metropolitan Planning Organization Advisory Council. A late-filed amendment was tabled, and the bill was reported favorably. The committee then heard CS for CS for CS for SB 628, Lucy’s Law, which strengthens boating safety penalties for leaving the scene of a vessel accident and reckless operation. After the sponsor withdrew a pending amendment, the committee heard emotional testimony from Lucy’s parents and others in support, and the bill was reported favorably. The committee next considered CS for CS for SB 700, the Florida Farm Bill, under a strike-all amendment. The bill’s major provisions included removing non-purity additives from public water systems, requiring clearer labeling for meat, milk, poultry, and eggs, criminalizing drone harassment over farmland, updating agriculture disaster recovery programs, creating an honest services registry for charities tied to countries of concern, expanding FFA-related scholarships and school infrastructure, and allowing the state to repurchase certain former agricultural lands converted to solar fields. Testimony included strong support from agriculture and related groups, opposition from the Florida Bankers Association over a private right of action related to financial discrimination, and criticism from speakers opposed to fluoride removal. The bill was amended and then reported favorably despite some opposition. The committee also reported favorably SB 796, which authorizes DEP general permits for distributed wastewater treatment systems to replace failing septic tanks. The committee then took up a large strike-all for CS for SB 1618, a K-20 education package. The amendment combined provisions on VPK flexibility, early grade success, agriculture education, financial literacy, reading intervention, teacher assignment transparency, restrictions on spending public funds for political or social activism, emergency opioid antagonists, corporal punishment consent, teacher certification pathways, and other higher-education and workforce items from SB 1624, including guardrails for certain private religious postsecondary institutions. Members questioned the new prohibition on using public funds for political or social activism, with the sponsor saying it was intended to keep public schools from being a battleground for ideology; Equality Florida and the ACLU opposed that section. The amendment was adopted and the bill was reported favorably. Finally, the committee began extensive debate on CS for SB 7016, a major initiative-petition reform bill. The sponsors said the bill responds to fraud and abuse documented in a large Office of Election Crimes and Security report and would impose tighter rules on petition circulators, including Florida residency and U.S. citizenship requirements, training, shorter submission deadlines, stronger penalties, new identification requirements on petitions, and a 25% invalid-signature trigger for investigations by election-crimes officials. Senators raised numerous questions about due process, public records, penalties, the treatment of volunteers and former felons, the verification process, and the practical effect of the new deadlines and thresholds. The discussion was ongoing when the transcript ended, and no final vote on SB 7016 is shown in the excerpt.
MA
Transcript Highlights:
  • I am the Youth Services Program Manager at Northeast and a bit.
  • And we offered interpretation, childcare, and various incentives for attending.
  • Have you considered partnering with the mayoral summer youth employment programs...
  • I think that's how long the mayoral programs last in the summer.
  • I think that's how long the mayoral programs last in the summer.
Keywords: 995, all
Summary: The Employment Subcommittee of the Permit Commission on Status of Persons with Disabilities met on April 27 and approved the prior meeting minutes before hearing a presentation from the Lawrence Partnership for Transition to Employment (LPTE). Presenters from UMass Boston’s Institute for Community Inclusion, the Arc of Greater Haverhill-Newburyport, Northeast, and Lawrence Public Schools described LPTE as a five-year grant focused on improving transition outcomes for youth with intellectual and developmental disabilities in Lawrence through community partnerships, work groups, and family engagement. A major focus was a family survey designed to better understand barriers to transition planning and IEP participation. Presenters said the survey response rate increased sharply after Lawrence Public Schools helped distribute it, rising from about a dozen responses to more than 200. Survey findings showed common barriers such as scheduling conflicts, language access, childcare, transportation, and limited understanding of IEPs and transition planning. The data also suggested that many families expect college or employment outcomes for their children, but fewer reported access to pre-employment training, indicating a communication gap rather than a lack of services. Lawrence school staff explained that the district has a five-person transition team, bilingual resources, workshops, and a developing online transition hub, and that they are using the survey results to improve visibility and access to existing supports. Committee members discussed the need to start transition planning earlier, expand real-world work experiences, improve outreach to Latino families, and better connect students with college, trade, and employment pathways. Several members suggested partnerships with summer youth employment, volunteer programs, and college or alumni panels. The presenters said the grant ends in September, but the resource hub will continue through the Arc and they are exploring ways to sustain the consortium model. The meeting ended with thanks to the presenters, an update that committee members would meet with Seed on Massachusetts as a model employer, and notice that the next meeting would feature the Office of Veteran Affairs before adjournment.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Wednesday, April 30, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • .<00:55:07.119> CASA<00:55:07.599> programs<00:55:07.920> cultivate programs.
  • CASA programs cultivate programs.
  • But let's be and history programs.
  • programs to address these very issues. programs to address these very issues.
  • programs if market conditions change. programs if market conditions change.