Video & Transcript Research : 'background study'

Page 182 of 500
CA
Transcript Highlights:
  • So we have been working in the background on this third area, and I'm excited to share some of the findings
  • So can you maybe start with, I guess, the punchline first and then give us the background?
  • Director, one study that came out last year showed that there was a role in the increased pricing of
  • I think this study, if I remember correctly, showed about a 60-cent increase that it directly attributed
  • I think the clearest example, the one we're studying, is being used to accelerate the retirement of older
Summary: The Assembly Committee on Utilities and Energy held its annual oversight hearing on the transportation fuels sector, focused on California’s fuel transition, the announced refinery closures by Phillips 66 and Valero, and the potential effects on supply, prices, and the broader fuel system. Committee leadership said the state needs a system-wide transition plan rather than a piecemeal approach, and state witnesses from CARB, the CEC, and DPMO described the fuel market as a complex, interconnected ecosystem involving crude production, refining, storage, imports, and delivery. They emphasized that declining gasoline demand from EV adoption is occurring alongside shrinking in-state refining capacity, which could increase volatility and price spikes if not managed carefully. CARB Chair Liane Randolph reviewed the state’s climate and air-quality programs, including AB 32, SB 32, the 2022 scoping plan, the low-carbon fuel standard, and vehicle emissions rules. She said these policies have reduced emissions substantially but that California still faces major ozone and PM2.5 problems, especially in disadvantaged communities. Randolph also said federal actions challenging California waivers could complicate the state’s clean-air efforts, and she noted that while liquid fuels will still be needed in some sectors, the state must continue reducing fossil fuel dependence while protecting public health. CEC Vice Chair Siva Gunda and DPMO Director Ty Milder presented data on gasoline demand, refinery throughput, crude imports, and price differentials. Gunda said the Legislature’s special-session laws gave the agencies transparency and planning tools, and that the CEC is developing a fuels transition plan while evaluating whether any regulatory tools should be used. Milder previewed DPMO findings that Californians have paid a long-running “mystery gasoline surcharge” averaging 41 cents per gallon since 2015, with higher margins concentrated in branded gasoline and among vertically integrated firms. He said the data show a concentrated market with some refiners doing well and others struggling, and that DPMO will continue investigating price behavior, competition, and supply risks. Members pressed the witnesses on whether state regulations contributed to refinery exits or higher prices, and on whether the agencies had adequately analyzed consumer costs. Witnesses said they had not yet implemented the new permissive tools from SB X1-2 and AB X2-1 because they were still assessing risks and benefits, and they stressed that refinery closures and capital decisions are driven by broader market conditions as well as regulation. No vote was taken; the hearing was informational, with the committee seeking updates and urging the agencies to develop a practical transition strategy that balances affordability, reliability, climate goals, and worker/community protections.
CO

Colorado 2026 Regular Session

Colorado House 2026 Legislative Day 120 May 14th, 2026

Colorado House Floor Meeting

Transcript Highlights:
  • They came from different corners of this nation, different backgrounds, different stories, but they were
  • The bill creates the Access to Opportunity Task Force to study and report on how to...
  • We submitted all the background checks.
  • Spent studying policy, the weekends spent studying policy, the weekends you've spent away from home,
  • She brought Holocaust and genocide studies in schools, and she created the first ever care economy tax
Keywords: 981, all
NH

New Hampshire 2026 Regular Session

House Health, Human Services and Elderly Affairs (02/18/2026)

Health, Human Services and Elderly Affairs

Transcript Highlights:
  • > proposed<01:49:52.880> in The Medicaid impact study proposed in The Medicaid impact study
  • and and is conducting a clinical study and and is conducting a clinical study uh<05:22:03.680>
  • I I move intro study. study. study.
  • So I think there are better ways to do it, and I hope that the interim study will be a true interim study
  • study will be a true interim study. study will be a true interim study.
Keywords: 1189, house, all
NH
Transcript Highlights:
  • Yeah, happy to do a quick one, and JD, kick it to you because you have a very extensive background in
  • So, given all of the background, it became very clear that with the fall, the decommissioning of both
  • If you look at Treasury's own study, $6.6 trillion is the potential for deposit erosion.
  • as well, you know, banks studied as well, you know, banks repeatedly<01:09:19.880> say<01:09:
  • Whereas today, it takes four-year studies to figure out, you know, what is actually driving these.
Keywords: 1189, house, all
Summary: The meeting opened with roll call, confirmation of a quorum, and approval of the April 6 and May 4 minutes, with minor corrections noted to the May minutes. The main presentation came from JD of Link Network, introduced by Dan Cohen, who described Link’s work with crypto.com and other market participants on tokenized money market funds and real-time settlement for institutional clients. JD gave a detailed history of his earlier work developing the Arca U.S. Treasury Fund and ArCoin, emphasizing that the project was built within existing SEC and 1940 Act frameworks and was intended to use blockchain technology for a traditional asset rather than create a crypto product. He said the effort involved years of discussions with the SEC, multiple custodians, and partners such as U.S. Bank, T-Zero Securities, and Tassat, and that the model eventually led to Link’s settlement system. He highlighted concerns that shaped the design, including regulatory compliance, privacy for institutional users, and the need to bridge traditional banking hours with 24/7 digital asset markets. The presentation also described Link’s features, including segregated and bankruptcy-remote fund structures, tokenized deposit and treasury fund settlement, and “yield in transit,” which allows interest to accrue and be distributed daily down to a two-second block. JD said the platform is being expanded for use cases such as exchange liquidity, cross-border capital movement, off-exchange collateral, stablecoin bridging, treasury management, and peer-to-peer settlement. He closed by posing policy questions for the commission about the use cases for stablecoins versus tokenized money market funds in New Hampshire and whether the state could issue or administer a security-based program with appropriate compliance controls.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Wednesday, May 21, 2025 - Part 1)

US Federal House Floor Meeting

Transcript Highlights:
  • <00:21:41.200> have have on gas prices, but studies have have on gas prices, but studies have
  • Study after study has shown that air pollution is linked to higher rates of hospitalizations and death
  • Study after study has shown that air pollution is linked to higher rates of hospitalizations and death
  • <02:51:53.680> Study<02:51:54.000> after<02:51:54.399> study<02:51:55.279>
  • Study after study has Pollution kills.
AZ
Transcript Highlights:
  • I did do some background research to make sure I wasn't losing my mind and that what I knew to be true
  • As I've studied war and Dwight Eisenhower's speech in his farewell address, he warned against the military-industrial
Keywords: 1182, all
LA
Transcript Highlights:
  • That's what's in the existing resolution, just by way of background.
  • I'm going to withdraw the motion and ask that we just study it and find out from a CPA, and that we can
Summary: The committee met briefly, called the roll, confirmed a quorum, and adopted the June 3, 2024 minutes without objection. Staff then reviewed the purpose of the House supplemental allowance resolution, explaining that members receive up to $1,500 per month for reimbursable office and district expenses such as rent, utilities, printing, postage, travel within the district, and related office costs. Members also discussed the existing carryover rules, including a $3,000 general carryover and an additional $6,000 for printed materials, with unspent amounts reverting to the House budget. Several members asked for clarification about what expenses are currently covered and how reimbursements work, including district office rent, phone and internet bills, per diem, out-of-state travel, conference registration, cell phones, and portable hotspots. The clerk and executive counsel explained that some items are paid from the supplemental account, while others, such as certain conference registration fees or appointed travel per diem, are paid directly by the House operating account. Members also raised concerns about whether using supplemental funds for lodging during session would require a resolution amendment and whether it could create tax or ethics issues, including possible double-dipping with per diem. A motion was made to consider allowing excess supplemental funds to be used for lodging costs for members who live more than 50 miles from the Capitol, but after discussion the motion was withdrawn so the committee could study the issue further and consult a CPA. Members also discussed whether the monthly supplemental amount should be increased in light of inflation and rising office rents, noting that any change would have to be made by the executive committee for the next term. The meeting ended with a motion to adjourn, which was adopted without objection.
AL
Transcript Highlights:
  • I'm just, you know, I'm thinking about the child and... ...and my background working with children.
  • And so that way she would have time to make a decision next week, and then everybody could then study
Keywords: 1136, house, all
MO

Missouri 2026 Regular Session

2026 Legislative Session - Day Sixty Eight - Tuesday, May 12

Missouri House Floor Meeting

Transcript Highlights:
  • I say all that to provide the background of where we are today.
  • Aaron is completing his freshman year at Missouri, studying public administration and policy.
  • She's returning home to study for the LSAT as she pursues her law school, and I hope you will join me
  • We have people from all backgrounds.
  • “Well, my background as a plumber, so worked real close with the water districts throughout the state
Summary: The House convened with prayer, the Pledge of Allegiance, and approval of the previous day’s journal by a 129-0 vote. Members then spent considerable time on points of personal privilege and introductions, including remarks recognizing law enforcement wellness, personal health updates, legislative service and family sacrifices, interns, visiting students, and special guests such as a St. Louis entrepreneur honored with a House resolution and a visiting governor from Samarkand, Uzbekistan. The chamber then received Senate messages and committee reports before moving to conference requests on Senate Bills 835 and 1111 and Senate Bill 1020, both of which were approved for conference committees. The House also passed Senate Bills 977 and 1011, a measure barring international organizations or foreign law from exercising authority in Missouri or being used to deny “fundamental rights,” after debate over its scope and concerns about foreign-law venue rules and its practical effect; the final vote was 99-45. Senate Bill 1470, dealing with legislative research and statutory publication procedures, was amended and passed 148-1 after debate over reducing committee size, shifting publication to a primarily web-based format, and preserving printed archival copies. The House then adopted and finally passed Senate Bill 1940, the public notices/newspaper bill, by 142-1, with discussion focused on modernizing notice publication rules and election-related deadlines. It also took up Senate Bill 1871, which included county clerk and election administration provisions and a Senate amendment incorporating campaign finance language; debate emphasized ballot testing timelines and election transparency. The transcript ends during discussion of that bill, before a final vote is shown.
FL

Florida 2026 Regular Session

FL House Floor Session - 2025-02-13 (12:00PM Session)

Florida House Floor Meeting

Transcript Highlights:
  • Not only that, if he was a teacher, that means he passed a background check, he wasn't a criminal, hadn't
  • committed any crimes, passed a level two background screening.
  • Not only that, if he was a teacher, that means he passed a background check, he wasn't a criminal, hadn't
  • committed any crimes, passed a level two background screening.
  • Dreamers aren't coming on their own, they're coming with other people, have you seen any data or studies
Summary: The House convened with prayer, a moment of silence for the Parkland shooting victims, quorum call, and the Pledge of Allegiance. The Rules and Ethics Committee special order report for February 13, 2025 was adopted, setting the day’s special order calendar and debate times. The chamber then took up immigration-related special order items, beginning with Senate Memorial 6C, which urged the U.S. Department of Homeland Security to provide guidance and training for 287(g) agreements. Members debated federal immigration policy and state cooperation with DHS, and the memorial passed 85-27. The House next considered Senate Bill 4C, an immigration bill creating new state offenses related to unlawful entry and reentry into Florida and requiring a mandatory death sentence for an unauthorized alien convicted of a capital felony. Members questioned the bill’s constitutionality, including Supremacy Clause, due process, and Eighth Amendment concerns, and several speakers argued it would create separate classes of people and invite litigation. Multiple amendments were offered to narrow or expand exemptions, including protections for Venezuelans on TPS, certain Haitian TPS and humanitarian parole recipients, undocumented people brought to Florida as children working in critical professions, and a proposal to delay action pending court rulings; all of those amendments were rejected. The bill passed 85-29. The chamber then took up Senate Bill 2C, which would create a State Board of Immigration Enforcement led by the Governor and Cabinet, establish a local law enforcement immigration grant program and advisory council, repeal the undocumented-student fee waiver, and appropriate more than $300 million for immigration enforcement. The sponsor described it as supporting cooperation with federal immigration agencies and ending the in-state tuition incentive for undocumented students. Early questioning focused on the impact on “dreamers” and whether the bill would effectively raise their tuition costs; the sponsor said it removed the incentive of in-state tuition but did not bar attendance. The transcript cuts off during that exchange, before final action on SB 2C is shown.
CO

Colorado 2026 Regular Session

Colorado House 2026 Legislative Day 065 Mar 20th, 2026

Colorado House Floor Meeting

Transcript Highlights:
  • of state and local governments study of state and local governments committee,<00:58:58.799> and<
  • > efforts<01:01:09.280> to his background in mining, efforts to his background in mining
  • <02:09:08.079> And<02:09:08.239> I training, without any background.
  • And I training, without any background.
  • more evidence gathering, more background more evidence gathering, more background might<04:02:12.080
Keywords: 981, all
Summary: The House convened with a quorum, approved the journal as corrected, and then proceeded out of order to memorials. House Memorial 1002, honoring former Representative Carl Eugene Miller of Leadville, was read and adopted unanimously, 63-0 with two excused. Speakers highlighted Miller’s service as a miner, Army veteran, Lake County commissioner, state representative, Public Utilities Commission commissioner, and his role in establishing the National Mining Hall of Fame and the Leadville Trail 100. His family was recognized in the chamber. During announcements, members welcomed several visiting groups, including Prowers County commissioners, the Rocky Mountain Cradle to Career Civic Influencers, the Colorado Springs School, and Advocates for Recovery Colorado, which was noted as advocating for recovery support and related policy issues. Members also mentioned upcoming committee meetings, including Finance and Appropriations, and a reminder that the business affairs and labor committee was not meeting that day. The House then set special orders for March 19, 2026, and adopted motions limiting debate time on House Bill 1126 to three hours and on Senate Bills 4 and 43 to two hours each. The chamber then resolved into committee of the whole and began consideration of House Bill 1126, which concerns requirements for dealing firearms. The bill was read at length at the request of the minority leader, who argued that the measure could hurt small, family-owned gun businesses. The bill summary described expanded permit requirements for firearm dealers, additional requirements for responsible persons and employees, recordkeeping and security mandates, reporting of theft or loss, and increased penalties for violations, including fines, suspension, or revocation of dealer permits.
NH

New Hampshire 2025 Regular Session

House Legislative Administration (02/19/2025)

Transcript Highlights:
  • <01:07:16.839> committee us the duties of the study committee us the duties of the study committee
  • more than happy to come to that study committee.
  • Can you tell me, just out of my own personal curiosity, what is your background?
  • Do you have a legal background?"
  • Do you have a legal background?"
Keywords: 928, house, all
Summary: The committee first dealt with scheduling and housekeeping, including a plan to take a hard break at 2:00 p.m. for an early bill, hold a brief executive session, and then continue with the remaining afternoon bills. The chair also noted the next likely meeting date would be March 12, when the committee expected to take up the remaining bills before crossover deadlines. The main substantive item was House Bill 142, which would recognize the Honor and Remember flag for Gold Star families and related remembrance purposes. Prime sponsor Rep. Michael Moffett described the bill as a bipartisan measure revised to address earlier concerns, arguing that the flag honors fallen service members, can be personalized with names, and complements rather than detracts from the American flag. He said many other states have already adopted it and suggested the committee could amend details such as the number of days and locations for display. He also raised practical issues about flag dimensions and whether the bill should use "shall" or "may" for display requirements. Testimony was divided. Janine Nutter opposed the bill, saying she supports Gold Star families but objected because the flag resembles the Viet Cong flag and because she believes the American flag should remain the sole symbol representing servicemembers. Kevin Grady, representing the State Veterans Advisory Committee under RSA 115:8, also opposed the bill, saying the committee believes the American flag is the only symbol needed, while still praising the work of Honor and Remember in creating personalized flags for families. Committee members asked questions about where the flag would be flown, whether the State Veterans Cemetery in Boscawen is already displaying it, and how the bill’s language would interact with cemetery policies and committee discretion. No vote or final action was taken in the portion of the meeting provided.
NH
Transcript Highlights:
  • non-concurred because the piece that was attached to 504, there was a component that was interim studied
  • You can run a license, and we expect you to run a full background check, and you have the information
  • So basically I’m agreeing to the background check. Well, no.
  • The background check is limited to the FBI check. That’s all they can do.
  • >> That was it. >> Because some of us didn't like the amendments. >> Couldn't have been term studied
Keywords: 1189, house, all
Summary: The meeting began as a Committee of Conference on House Bill 194, but the discussion quickly centered on whether to remove an attached bill, 504, because of concerns about a possible fee or tax and a House rule issue. Members debated the procedural posture of the bill, whether the House version had been non-concurred, and whether the conference committee could still resolve the issue by adopting the House amendment or reconsidering the non-concur. The exchange became tense, with one side warning that failing to pass the measure could jeopardize a linked rural health transformation grant worth about $20 million. The committee ultimately recessed without resolving the 194/504 dispute and planned to return the next day. The committee then opened conference on House Bill 609, which dealt with use-of-force/self-defense language and restraint/seclusion authority in health care settings. On the self-defense portion, House members argued strongly for restoring vehicle language, saying people should be able to defend themselves in a car the same way they can in a home, especially in carjacking or assault situations where no weapon is displayed. Senate members expressed concern about expanding deadly-force protections too broadly and suggested narrowing the language to focus on imminent harm to the person, not property, while also questioning where the provision should be placed in statute. The second major topic in HB 609 was who may order restraint or seclusion in clinical settings. House members argued that physicians are not always immediately available, especially in hospitals and emergency settings, and that APRNs and physician associates should be able to act in crises if properly trained and credentialed. Senate members raised concerns about scope of practice and asked whether the language implied patient consent was required; the Senate side explained that consent language was intended to address capacity and informed decision-making, not to require voluntary consent to restraint. The discussion ended with the sides still apart, though the Senate floated a compromise allowing physician associates to order restraint when no doctor is physically on the premises, while not yet extending that authority to APRNs. The committee took a short break to continue negotiations on the firearm/self-defense piece.
HI

Hawaii 2026 Regular Session

EDN Info Briefing - Fri Jan 9, 2026 @ 2:00 PM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • All drivers serving DOE students have been cleared through the department's employee background check
  • And they did give a lot of context and background during that time of passing the first charter bill.
  • <01:44:40.960> during a lot of context and background during a lot of context and background
  • Um, Dian wants any more background on that, but it's something of a model that we can hopefully replicate
  • Um, Dian wants any more background on that, but it's something of a model that we can hopefully replicate
Keywords: 910, house, all
MN

Minnesota 2025 1st Special Session

Committee on Judiciary and Public Safety - Part 1 - 03/21/25

Judiciary and Public Safety

Transcript Highlights:
  • related to the agency's amount of information that is posted on their website and it uh um in the background
  • <00:34:00.640> for and background check requirements for and background check requirements
  • Madam Chair and members, I'm going to give a brief background for the reason for this bill, or the bill
  • <01:23:31.920> that<01:23:32.239> have I have not seen any studies that have I have
  • Uh, continuing on a transparency theme, I'd like to give a little background to this particular bill.
Keywords: 1187, senate, all
CA

California 2025-2026 Regular Session

Assembly Judiciary Committee Jun 30th, 2026

Transcript Highlights:
  • Over the last 16 years, I have studied experiences of relinquishing mothers from a reproductive health
  • For a bit of background, CTA is North America's largest technology association, representing over 1,200
  • One major study measured how well individuals and their families agreed on daily behaviors.
  • In fact, studies show family assessments have a low diagnostic accuracy rate, as low as 31.7% for certain
  • Coming from a family with no blue-collar experience or background, I thought joining the industry would
Summary: The committee heard testimony on several bills, beginning with SB 16, which would require county behavioral health directors to create clear pathways for clinicians to be authorized to initiate 5150 involuntary holds. The author and supporters argued the bill would reduce reliance on law enforcement and create more consistent crisis response standards statewide, while county behavioral health directors opposed it as an unfunded mandate that could increase law enforcement involvement and create implementation burdens. Members raised questions about county costs and funding, but the author emphasized the bill’s role in building a more clinical response system. SB 561 would require public guardians to acknowledge conservatorship referrals, make determinations within a reasonable time, and provide status updates on request. Supporters said the bill would reduce delays that leave vulnerable adults in limbo, while the opposition from public guardian representatives was removed after amendments. SB 381 drew extensive public testimony in support; it would allow California-born adoptees, and descendants of deceased adoptees, access to original birth certificates, with a nonbinding contact preference form for birth parents. Supporters framed the bill as a matter of dignity, identity, and health, and there was no formal opposition on the record. The committee also discussed SB 880, which would give tenants and prospective owner-occupants notice and a first opportunity to make an offer when institutional investors sell certain homes. Supporters said it would expand homeownership opportunities and preserve neighborhood stability, while opponents warned about conflicts with federal law, bundled-sale restrictions, and impacts on build-to-rent and affordable housing projects. Members and the author discussed possible amendments to address those concerns. SB 1238 would impose a duty of care and additional transparency requirements on HOA managers and boards; supporters said it would protect homeowners from mismanagement, while the main opposition argued the duty should remain contractual and could increase litigation. Finally, SB 423 would require disclosure of emergency-service records related to private detention facilities, and SB 28 would make changes to the CARE Court process, including a statewide ombudsperson and expanded oversight; both drew support and opposition, with concerns focused on transparency, privacy, implementation, and the balance between treatment and coercion. SB 574, discussed at the end, would require disclosure and human oversight for AI use in courts and legal practice and create a complaint process for ADR providers, with the State Bar noting requested amendments related to complaint handling and confidentiality.
MN
Transcript Highlights:
  • So, uh members, this is about—let me just give a little background.
  • I'm the vice president of Medicaid and duals at Medica and a registered nurse by background. Oh.
  • That didn't pass, but instead we turned that into a study implementation.
  • There was a plan that was due on that study on the 15th of this year. In 2024, we augmented that.
  • That didn't pass, but instead we turned that into a study implementation.
Keywords: 919, house, all
Summary: The committee first took up House File 3939, a bill to support a Helping Paws service-dog litter named in honor of Gilbert and the Hortman family. Testimony from Helping Paws and service-dog graduate Angie Foley described the organization’s work, the significance of the “Guided by Gilbert” litter, and how the funding would help train dogs that provide independence and support to people with disabilities, veterans, and others. Members from both parties spoke warmly about Speaker Hortman’s connection to the organization and Gilbert, and the bill was laid over for possible inclusion. The committee then considered House File 3769, the Department of Corrections’ technical omnibus bill, with an A1 amendment adopted to clarify tuberculosis testing language. The bill updates TB screening procedures in correctional facilities, including how refusals are handled, and adds Quantiferon Gold Plus testing as an option alongside existing methods. Members discussed whether the bill would create costs for counties and jails, with some noting added testing and segregation costs and others arguing the changes would improve accuracy and reduce time in restrictive housing. The bill, as amended, was recommended to the general register. House File 3978 was next, a technical cleanup bill for a provider wellness program created last year. The bill expands eligibility and confidentiality protections from physicians to all health care providers, while supporters said the program is meant to address burnout and mental health strain in the workforce and does not require new money. Some members questioned whether the change was redundant or would broaden the program without additional funding, but the Minnesota Medical Association testified that the program is separate from insurance and was intended to serve all providers. The bill was recommended to the general register. Finally, the committee began House File 3476, which Rep. Liebling described as a cleanup bill related to Minnesota’s Medicaid managed care system and public program oversight. She argued that the state spends billions through managed care organizations and that the system has never been proven better than direct payment, setting up a broader discussion of the bill’s purpose and the state’s oversight of public health care spending.
LA

Louisiana 2026 Regular Session

Senate May 20th, 2026

Louisiana Senate Floor Meeting

Transcript Highlights:
  • No. 140 by Senator Miller is a resolution to urge and request the Louisiana State Law Institute to study
  • They should report back by January 1 on this study from the Law Institute.
  • Senate Resolution No. 133 by Senator Abraham is a resolution to create a task force to study the use
  • The resolution directs the Department of Culture, Recreation, and Tourism to conduct a study with the
  • I sat on that task force, studied it for a year. Seeing no questions, I move final passage.
Keywords: 974, senate, all
NM
Transcript Highlights:
  • better understand how EPPs prepare teachers, the LASC staff are beginning to review EPP courses of study
  • So that was the scope of the study. Well, I bring it up, Mr.
  • now to how we take The elements of this study and apply them.
  • What do we really need to make sure our teacher candidates are studying? are studying.
  • And learners, the outdoor space will have, in addition to study spaces, an amphitheater.
MN

Minnesota 2025-2026 Regular Session

House Transportation Finance and Policy Committee 2/25/26

Transportation Finance and Policy

Transcript Highlights:
  • A little bit of background on the cost participation policy. This is an agency policy.
  • The drivers have background checks, rigorous training to become licensed drivers, and ongoing training
  • The drivers have background checks, rigorous training to become licensed drivers, and ongoing training
  • The Insurance Federation did a study, it's probably been 20 years or so ago, that specifically got at
  • ,<01:09:43.359> it's Insurance Federation did a study, it's Insurance Federation did a study