Video & Transcript : 'Merit Systems Protection Board' :
Page 18 of 500
TX
Texas 89th Regular
Senate Committee on Water, Agriculture, and Rural Affairs Mar 17th, 2025
Water, Agriculture and Rural Affairs
Committee:
Senate Water, Agriculture and Rural Affairs
Keywords:
water management, bond issuance, eminent domain, regional authority, fee structures, local governance, environmental quality, oyster cultivation, coastal management, natural resources, marine ecosystems, Texas Parks and Wildlife, Texas Water Development Board, guidance principles, flood plan, state water plan, rule review, infrastructure, water discharge, general permit
TX
Texas 89th Regular
S/C on Academic & Career-Oriented Education Mar 5th, 2025
S/C on Academic & Career-Oriented Education
Transcript Highlights:
- Developing workforce partnerships and serving on a number of different boards to advance these efforts
- The bill also introduces an for local school systems to lower the college and career advising ratio.
- Real quick, I want to make sure that we have you correctly. registered in the system.
- And so we need to support systems that really bring that out in students.
- He also sits on our board.
Keywords:
applied sciences, career education, high school diploma, certificate program, work-based learning, job placement, high-growth jobs, technical training, career readiness, education reform, workforce training, public schools, financial aid, fraudulent solicitation, disaster relief, nonprofit organizations, criminal penalties, consumer protection, fraud prevention, charitable donations
LA
Transcript Highlights:
- board in some of the smaller districts or the district that might want to serve on the board in some
- Members, this is a bill that’s a consumer protection bill designed to protect our citizens when they’
- Who will be in the Board of Contractors? Okay. Are the Board of Contractors here?
- It's really more a complaints-based system? I think we do what we can to protect the consumer.
- that money, and they're here to protect that money, and I'm here to protect my constituents.
Keywords:
home inspectors, board membership, licensing, term limits, Louisiana State Board, utility, reimbursement, overcharges, consumer protection, economic relief, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, unfair trade practices, advertising disclosures, total price, service fees
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Apr 16th, 2026 at 09:30 am
Business and Insurance
Transcript Highlights:
- Members, House Bill 3790 is the Homeowner's Protection Act.
- Uh, B3297 Crete's Oklahoma Tolling and Recovery Board.
- And I just really look forward to serving on the board and doing my best.
- Serving on this board has been a great opportunity for me to help protect the public and ensure that
- And we had a good discussion two months ago, and he's doing a good job on the board.
Bills:
HB2933 , HB3041 , HB3048 , HB3081 , HB3297 , HB3338 , HB3673 , HB3790 , HB3983 , HB4105 , HB4139 , HB4203 , HJR1023
Committee:
Senate Business and Insurance
Keywords:
insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, credit card transactions, payment methods, service charge, consumer rights, financial regulation, insurance, nonadmitted insurers, surplus lines, Oklahoma, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, towing services
AL
Alabama 2026 Regular Session
Alabama Senate County and Municipal Government Committee Mar 17th, 2026
County and Municipal Government
Committee:
Senate County and Municipal Government
Keywords:
service of process, funding, Marion County, fees, legal documents, firefighters, rights, personnel procedures, state law, public safety, HB468, local commissions, local authorities, municipal planning commission, planning commission, zoning, land use, municipal official, municipal officer, city council
AL
Alabama 2026 Regular Session
Alabama Senate Education Policy Committee Feb 11th, 2026
Education Policy
Transcript Highlights:
- It is equitable across the board.
- It is equitable across the board.
- It is equitable across the board.
- It is equitable across the board.
- It is equitable across the board.
Committee:
Senate Education Policy
Keywords:
sales tax exemption, Consumer Price Index, local government, clothing, school supplies, emergency preparedness, Alabama Administrative Procedure Act, APA, administrative law, judicial review, agency deference, Chevron deference, de novo review, contested case, state agency, regulatory power, individual liberty, statutory interpretation, rule interpretation, license revocation
NM
New Mexico 2026 Regular Session
House - Chamber Meeting Feb 16th, 2026 at 11:58 am
New Mexico House Floor Meeting
Bills:
HB145 , HR1 , SB29 , SB37 , SB193 , SB58 , SB64 , HB195 , HB234 , HB279 , HB287 , HB292 , HB303 , SB30 , SB35 , SB40 , SB43 , SB48 , SB96 , SB143 , HJM1 , HM7 , HM17 , HM4 , HM22 , HM23 , HM24 , HM26 , HM2 , HM16 , HM32 , HM13 , HM47 , HM20 , HM51 , HM1 , HM31 , HM35 , HM36 , HM46 , HM53 , HM54 , HM39 , HM29 , HM43 , HM59 , HM11 , HM14 , HM21 , HM34 , HM50 , HB332
Keywords:
high-wage jobs, tax credit, job creation, New Mexico, economic development, House Resolution 1, HR1, House investigatory subcommittee, special committee, legislative investigation, subpoena power, public corruption, criminal activity, Zorro ranch, Santa Fe County, public accountability, government oversight, impeachment power, children and vulnerable persons, public funds
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, November 17, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- And yet here they are trying to reverse the protections that have been put in place to protect not only
- As a one-time board member for the Pennsylvania Workforce Development Board and the Republican chair
- As a one-time board member for the Pennsylvania Workforce Development Board and the Republican chair
- It helps protect American communities from adversaries who are actively working to compromise the systems
- IT IS A PRINCIPLE DUTY FOR CONGRESS TO SMULLY PROTECT -- SIMULTANEOUSLY PROTECT OUR NATIONAL SECURITY
Keywords:
cybersecurity, critical infrastructure, CISA, Department of Homeland Security, DHS, FBI, interagency task force, Volt Typhoon, People’s Republic of China, PRC, state-sponsored cyber actors, Chinese cyber threats, cyber espionage, critical infrastructure protection, homeland security, national security, information sharing, threat intelligence, digital forensics, sector risk management agencies
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, May 5, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- </c> system. This is barbaric. system. This is barbaric.
- </c> protecting American national security. protecting American national security.
- How can you protect our Constitution, protect our economy, protect our way of life, our freedoms, our
- <c> the</c> the very systems designed to protect the the very systems designed to protect the most<07
- </c> Crow redlinining, and systemic racism. Crow redlinining, and systemic racism.
Bills:
HR36 , HR530 , HB1800 , HB2416 , HR1316 , HB1724 , HB1540 , HB1486 , HB1512 , HB1503 , HB1912
Keywords:
federal programs, government efficiency, budget cuts, committee, oversight, rules resolution, House Rules Committee, procedural rule, floor procedure, appropriations, military construction, Veterans Affairs, VA funding, fiscal year 2026, immigration enforcement, special interest aliens, DHS reporting, monthly report, inadmissible, deportable
TX
Transcript Highlights:
- Is that someone messing with the system or a breakdown in the system? Which one is it?
- Like the justice system, you're an attorney, the justice system is supposed to be balanced.
- the protections are there?
- All of these members have served on the board of trustees of their local school board.
- The separation of church and state doesn't just protect the state. It also protects the church.
Bills:
SB37 , SJR84 , SJR87 , SJR27 , SB8 , SB10 , SB227 , SB261 , SB15 , SB12 , SB25 , SB57 , SB127 , SB293 , SB441 , SB3059 , SB512 , SB241 , SB1718 , SB140 , SB2055 , SB2075 , SB2018 , SB1534 , SB1567 , SB785 , SB1233 , SB1580 , SB1663 , SB413 , SB447 , SB519 , SB467 , SB1579 , SB1191 , SB1021 , SB1838 , SB2807 , SB2835 , SB546 , SB2121 , SB2167 , SB2035 , SB2024 , SB1032 , SB1049 , SB1266 , SB1400 , SB1302 , SB401 , SB1596 , SB1281 , SB1242 , SB1343 , SB310 , SB1346 , SB2753 , SB2703 , SB2221 , SB1719 , SB2177 , SB800 , SB790 , SB748 , SB571 , SB1957 , SB1923 , SB1896 , SB1760 , SB1335 , SB2368 , SB2477 , SB2587 , SB2972 , SB2986 , SB2965 , SB1563 , SB1467 , SB1164 , SB1137 , SB614 , SB705 , SB961 , SB918 , SB955 , SB869 , SB850 , SB863 , SB1610 , SB1055 , SB2206 , SB457 , SB2337 , SB1362 , SCR9 , SB2405 , SB2406 , SB2407 , SB2166 , SB2148 , SB535 , SB777 , SB827 , SB1141 , SB1330 , SB1352 , SB1664 , SB1862 , SB1936 , SB1453 , SB1448 , SB1398 , SB2137 , SB2111 , SB53 , SB226 , SB1677 , SB1723 , SB1839 , SB36 , SB38 , SB815 , SB1856 , SB552 , SB646 , SB37 , SJR84 , SJR87 , SJR27 , SB8 , SB10 , SB227 , SB261 , SB15 , SB12 , SB25 , SB57 , SB127 , SB293 , SB441 , SB3059 , SB512 , SB241 , SB1718 , SB140 , SB2055 , SB2075 , SB2018 , SB1534 , SB1567 , SB785 , SB1233 , SB1580 , SB1663 , SB413 , SB447 , SB519 , SB467 , SB1579 , SB1191 , SB1021 , SB1838 , SB2807 , SB2835 , SB546 , SB2121 , SB2167 , SB2035 , SB2024 , SB1032 , SB1049 , SB1266 , SB1400 , SB1302 , SB401 , SB1596 , SB1281 , SB1242 , SB1343 , SB310 , SB1346 , SB2753 , SB2703 , SB2221 , SB1719 , SB2177 , SB800 , SB790 , SB748 , SB571 , SB1957 , SB1923 , SB1896 , SB1760 , SB1335 , SB2368 , SB2477 , SB2587 , SB2972 , SB2986 , SB2965 , SB1563 , SB1467 , SB1164 , SB1137 , SB614 , SB705 , SB961 , SB918 , SB955 , SB869 , SB850 , SB863 , SB1610 , SB1055 , SB2206 , SB457 , SB2337 , SB1362 , SCR9 , HB5560 , HB762 , HB 107 , HB 114 , HB300 , HB138 , HB4386 , HB2495 , HB581 , HB3348 , HB5323
Keywords:
higher education, curriculum review, governing board, faculty council, ombudsman, tax exemption, property tax, homestead, fire damage, constitutional amendment, bail reform, criminal justice, felony offenses, public safety, judicial conduct, state commission, judicial misconduct, commission membership, immigration enforcement, ICE agreements
Summary:
The House convened, established a quorum, heard an invocation and pledges, and approved several routine motions, including excuses for absent members, permission for committees to meet while the House was in session, and postponements of some bills. The chamber also received a Senate message listing measures passed by the Senate and adopted a memorial resolution honoring the 21 victims of the Robb Elementary School shooting in Uvalde, with remarks entered into the House Journal after a moment of silence.
The House then took up a long third-reading calendar and passed a series of Senate bills on topics including criminal justice and corrections sunset provisions (SB 2405, 2406, 2407), election equipment testing (SB 2166), electric grid reliability and attack-preparedness exercises (SB 2148), firefighter collective bargaining (SB 777), DFPS and foster care procedures (SB 1141 and SB 1398), Medicare durable medical equipment billing (SB 1330), property tax administration (SB 1453), probate cleanup and record transfers (SB 1448 and SB 1839), mental health filing procedures (SB 53), school residency for children in safety placements (SB 226), diabetes-related amputation study (SB 1677), rapid DNA analysis (SB 1723), utility rate transparency and capacity cost recovery (SB 1664 and SB 1856), community supervision eligibility (SB 552 postponed), and other measures. Several bills passed with broad support, while others drew notable opposition and narrower margins, including SB 777, SB 2137, SB 2111, SB 1677, SB 1936, SB 1453, and SB 38.
Two bills drew especially extensive debate. SB 2148, dealing with electricity supply chain reliability and tabletop exercises for critical facilities, was discussed as a grid-security measure aimed at coordinating utilities, law enforcement, ERCOT, and the PUC in the event of physical attacks; it passed unanimously. SB 1936, changing how LSD is measured for criminal prosecution from dosage-based to weight-based calculations, prompted extended discussion about lab consistency, carrier mediums, and fairness in charging, with supporters saying it would help crime labs and law enforcement and opponents warning it could distort penalties depending on the medium used; it passed 108-26. The House also passed SB 36, creating a Homeland Security Division within DPS, after questions about overlap with TDEM and the cost of adding personnel.
Late in the day, the House debated SB 38 on eviction procedures, with supporters saying it targeted squatters and streamlined removal of unauthorized occupants, and opponents arguing it would make evictions too easy and worsen homelessness; it passed 85-44. The chamber also began debate on SB 37, a major higher-education governance bill that would expand governing-board oversight of curriculum, hiring, and faculty senates; members raised concerns about academic freedom, faculty governance, and the impact on humanities programs, and debate was still underway at the end of the transcript.
LA
Louisiana 2026 Regular Session
House and Governmental Affairs Apr 28th, 2026
House and Governmental Affairs
Transcript Highlights:
- I'm also a past board president and current board member of the Children's Advocacy Network, located
- action to protect that child.
- Tammany Parish where it was important for that judge, in issuing a protective order to protect the child
- School boards have school board stuff.
- Parishes, municipalities, and school boards.
Committee:
House House and Governmental Affairs
Keywords:
Compensation Commission, elected officials, salary evaluation, government accountability, Louisiana legislature, compensation, independent commission, salary adjustment, consumer price index, official journal, public notices, government transparency, local government, municipal website, school board notices, parish council, police jury, special districts, levee district, drainage district
WA
Washington 2025-2026 Regular Session
Senate Business, Trade & Economic Development Feb 4th, 2026 at 08:00 am
Business, Trade & Economic Development
Transcript Highlights:
- You need to sign the boards as soon as you can, and before we...
- You need to sign the boards as soon as you can, and before we go into executive session, will staff please
Bills:
SB6248 , SB5976 , SB6079 , SB6250 , SB6257 , SB6289 , SB6230 , SB6312 , SB6149 , SGA9060 , SGA9169 , SGA9265 , SGA9266
Keywords:
travel insurance, travel protection plan, travel assistance services, cancellation fee waiver, travel retailer, travel administrator, limited lines producer, insurance producer license, blanket travel insurance, trip cancellation, trip interruption, travel medical coverage, emergency evacuation, repatriation, inland marine, premium tax, consumer protection, unfair trade practice, insurance commissioner, Washington RCW
TX
Transcript Highlights:
- The board may provide, may provide financial assistance for water supply projects.
- To protect the Carrizo Wilcox and their property rights in groundwater.
- Disasters to ensure transparency the board already publishes key data on its website including bond protections
- This is Natalie Ballew on behalf of the Texas Water Development Board, water development board testifying
- We're here to protect lifelines. So thank you. Thank you for your consideration.
Bills:
HB1523 , HB2109 , HB2694 , HB3525 , HB3898 , HB4646 , HB5188 , HB5219 , HB5320 , HB5651 , HB5655 , HB5659 , HB5662 , HB5672
Committee:
House Natural Resources
Keywords:
aquifer conservation, Class V injection well, environmental regulation, groundwater protection, municipal water supply, temporary prohibition, water management, reservoir construction, state water plan, Texas Water Code, environmental impact, Brazoria Drainage District, commissioners, elections, vacancies, resignation, HB 3525, North Texas Groundwater Conservation District, groundwater permit, permit amendment
TX
Transcript Highlights:
- And the board agrees, right?
- How is the DFW region doing in terms of building reuse into their systems?
- First, the Water Development Board...
- Are we able to call Texas Water Development Board up here?
- Are we able to call Texas Water Development Board up here?
Bills:
HB1523 , HB2109 , HB2694 , HB3525 , HB3898 , HB4646 , HB5188 , HB5219 , HB5320 , HB5651 , HB5655 , HB5659 , HB5662 , HB5672
Committee:
House Natural Resources
Keywords:
aquifer conservation, Class V injection well, environmental regulation, groundwater protection, municipal water supply, temporary prohibition, water management, reservoir construction, state water plan, Texas Water Code, environmental impact, Brazoria Drainage District, commissioners, elections, vacancies, resignation, HB 3525, North Texas Groundwater Conservation District, groundwater permit, permit amendment
Summary:
The Committee on Natural Resources heard House Bill 2109, which would remove certain long-proposed reservoir projects from the state water plan after 50 years without progress. Chairman Van Deaver and many landowners, local officials, timber interests, and conservation advocates testified in support, arguing that the Marvin Nichols Reservoir has burdened Northeast Texas landowners for decades with the threat of eminent domain, depressed property values, and uncertainty over homes, farms, ranches, schools, churches, and cemeteries. Supporters also said the project would flood tens of thousands of acres, require extensive mitigation, harm timber and agriculture, and that Texas now has better alternatives such as conservation, reuse, aquifer storage and recovery, and desalination. Several members expressed sympathy for the affected families and questioned whether a project could remain in the plan indefinitely without progress.
Opposition came from North Texas water interests, including the North Texas Commission, Tarrant Regional Water District, and the Texas Water Association, who argued that the bill would interfere with the state’s long-term water planning process and remove needed future supply options for a fast-growing region. They said Region C faces major projected shortages by 2070, that conservation and reuse have already delayed the need for new supplies, and that reservoirs remain one tool in the state’s water-planning toolbox. TWDB staff explained the existing inter-regional conflict process and noted that the substitute would affect several unique reservoir sites, not just Marvin Nichols. After testimony, Chairman Van Deaver closed by urging passage of the bill, but the committee withdrew the substitute and left HB 2109 pending.
The committee then took up House Bill 5188, a brackish groundwater bill. The author said the bill would reduce permitting burdens for wells in designated brackish groundwater production zones, and the committee substitute added requirements on monitoring, groundwater-rights ownership, and allocation of pumpage limits while removing some exclusions and export-fee provisions. Texas Wildlife Association testified against the bill, warning that the exemptions could weaken groundwater conservation districts’ ability to protect freshwater resources and surface-owner rights. San Antonio Water System testified in favor, saying brackish groundwater is a key future supply and that the substitute would help speed development of desalination and brackish projects. The Texas Alliance of Groundwater Districts testified neutrally but raised concerns about reduced district oversight, especially around injection-well exclusions and the loss of export fees, and said discussions on the bill were ongoing.
AL
Alabama 2026 Regular Session
Alabama Senate County and Municipal Government Committee Mar 10th, 2026
County and Municipal Government
Transcript Highlights:
- easy explanation of what the bill is trying to do and, of course, the substitute is that, uh, to protect
- Right now, uh, we have a system that’s, uh, vested in the 20th century, where I would say honesty and
- Right now, uh, we have a system that’s, uh, vested in the 20th century, where I would say honesty and
- The bill is trying to do, and, of course, the substitute is to protect titles in Alabama.
- </c> further, it it has some protections further, it it has some protections there.<00:24:12.240><c>
Committee:
Senate County and Municipal Government
Keywords:
education oversight, subpoena authority, investigation, State Superintendent, school misconduct, ad valorem tax, road funding, local government, referendum, Choctaw County, HB141, Alabama, state employees, salary deductions, payroll deduction, State Comptroller, membership dues, voluntary contributions, insurance premiums, financial instruments
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 6th, 2026
Washington House Floor Meeting
Transcript Highlights:
- drive health care costs across the board.
- drive health care costs across the board.
- And a huge part of what's wrong with the health care system... ...our health care system.
- Our health care system is struggling.
- It also protects annuities.
Bills:
HB2720 , HB2073 , HB2487 , SB5816 , SB5919 , SB5831 , SB6137 , SB6244 , SB6044 , SB6132 , SB5109 , SB5877 , SB6258
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
Summary:
The House took up and passed Second Substitute Senate Bill 5292, which modifies the paid family and medical leave program. Supporters said the bill uses an actuarial model to set rates and maintains a four-month reserve to improve program stability. It passed final passage 95-1.
The House then considered Substitute Senate Bill 5841, dealing with completion of course and financial aid-related requirements. An amendment was adopted to add a financial aid calculator and require outreach to students who indicate they have completed a financial aid form, with supporters saying it would help students understand aid eligibility and access college opportunities. The bill then passed as amended, 92-4.
The most extensive debate was on Engrossed Second Substitute Senate Bill 5981, concerning the 340B drug pricing program and contract pharmacy relationships. Members offered many amendments seeking to limit the bill’s scope, add transparency, or direct 340B savings toward patient care, low-income patients, rural areas, or charity care; most were rejected. Supporters argued the bill would help safety-net providers, hospitals, and FQHCs, while opponents warned it would mainly benefit large hospital systems, create administrative burdens, and likely face litigation. After the House adopted the committee amendment and rejected the floor amendments, the bill passed 67-30. The transcript then moved on to other business, including Senate messages and the start of debate on House Bill 2487 on taxes, with one technical amendment to clarify taxpayer definitions.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, December 3, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- I was a school board member.
- </c> Westchester County Board of Legislators. Westchester County Board of Legislators.
- ><c> bottom</c> Protecting them protects our bottom Protecting them protects our bottom line.<08:15:23.920
- And just one more board.
- We built our Social Security system. We built our Medicare system.
Keywords:
digital workers, creators, platform economy, independent contractors, portable benefits, income stability, transparency, algorithmic systems, small businesses, fair treatment, small business, regulatory burden, advocacy, government oversight, compliance assistance, Red Tape Hotline, regulatory budget, Small Business Administration, fiscal responsibility, rulemaking
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 8th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- All we ask in the name and through the merits of Jesus Christ, your son and our savior. Amen.
- She's board certified in family medicine and the immediate past president of the Oklahoma Academy of
- We cannot achieve what we need to achieve in the Cherokee Nation unless we build a world-class system
- All across our system, the facilities are state-of-the-art.
- We're going to work as hard as we can to protect Medicaid expansion in the state of Oklahoma.
Bills:
HB3976 , HB3000 , HB3001 , HB3003 , HB3004 , HB3066 , HB3904 , HB3644 , HB1687 , HB3920 , SR40
Keywords:
rural hospitals, small hospitals, grant program, healthcare funding, Oklahoma health department, cosmetology, barbering, massage therapy, State Board of Cosmetology and Barbering, Service Oklahoma, license renewal, license reinstatement, licensing fees, sunset extension, board membership, human trafficking, victim services, beauty school, barber school, esthetics
AZ
Transcript Highlights:
- It is to protect detransitioners, who should have a voice in how the medical system has wronged them.
- You can protect kids and protect the liberty of adults. You can do the right thing.
- Let me aid in your class to protect kids while protecting people's freedoms and life choices as adults
- The board is separate.
- , you report them to the board and the board says, 'Oh, well, they work for the court.'
Bills:
SB1015 , SB1049 , SB1066 , SB1081 , SB1092 , SB1133 , SB1134 , SB1139 , SB1147 , SB1148 , SB1168 , SB1189 , SCR1001 , SCR1002 , SCR1005 , SCR1010
Committee:
Senate Judiciary and Elections
Keywords:
gender transition, detransition, healthcare liability, medical malpractice, youth protection, legal action, Arizona law, child safety, dependency cases, attorney regulation, foster care, legal representation, probation, dangerous crimes, children, Arizona Revised Statutes, criminal justice, juvenile offenses, rehabilitation, candidate
TX
Transcript Highlights:
- systems and make a positive impact on the lives... of others.
- Cindy Gabriel, who is also a board member. of the rate fail and her father.
- A protest against a broken system that will not listen.
- Wiener. to protect young Texans from substance abuse.
- This is a money savings across the board.
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, state budget, mental health funding, education funding, infrastructure improvements, public safety, groundwater, water conservation, financial assistance, Texas Water Development Board, innovation fund, local conservation districts, transportation protection agreement, funeral services, insurance exemption