Transcript Highlights:

• been offered by Ford Motor Company or as a mechanic or credentials that come from working in a lab, robotics
• offered by Ford Motor Company or as a mechanic, or credentials that come from working in a lab, robotics
• a<01:04:02.599> lab come in from uh working in a lab come in from uh working in a lab robotics
• > and<01:04:04.400> they've<01:04:04.559> been<01:04:04.760> working Robotics

Keywords: 928, house, all

Summary: The committee first heard HB 295, which would make school building aid funds non-lapsing/non-APS. Representative Cahill said the bill was intended to keep any unused building aid money available for future projects, potentially helping move projects up the priority list or provide a little more funding for school construction. Members asked about how much money has lapsed in past years, whether the education trust fund and building aid are separate, and whether any lapsing dollars could be used to pay down debt. Department of Education official Jim Carney said about $29.1 million would be available if building aid is funded to the $50 million maximum in FY26, confirmed that the fund currently lapses, and said the department would gather historical lapse data. Committee members also discussed whether a dedicated fund structure could achieve the same goal, and the chair noted that the education trust fund statute includes school building aid as one of its uses. No vote was taken; the hearing was closed and the committee said it would later hold a work session after receiving more information. The committee then took up HB 237, introduced by Representative Dan McGuire, which would prohibit the use of special education state funds and differentiated aid for students not receiving special education services. The New Hampshire School Boards Association, through Becky Wilson, opposed the bill as written, saying it was unclear, potentially unnecessary, and difficult to implement because adequacy and differentiated aid are distributed as part of a districtwide lump sum rather than as student-specific dollars. She explained that special education costs are embedded across district budgets, including staffing, training, transportation, and instruction, and that some staff and services benefit both special education and general education students. Wilson also said differentiated aid is not tied to a specific pupil and is used at the district’s discretion, though it is intended to support students with greater needs. Committee members pressed on whether the bill would require districts to track money by individual student, whether it could conflict with federal special education law, and whether it would affect least restrictive environment requirements. Wilson said making the funds student-specific could create privacy and accounting problems and could make it difficult to staff inclusive classrooms, though she did not give a definitive legal opinion on federal compliance. She agreed that students who are not eligible for special education would not be included in the separate catastrophic/special education aid reimbursement program. The discussion continued into the second section of the bill, with members exploring how adequacy aid and differentiated aid are used in practice, but no action was taken during the portion provided.

Transcript Highlights:

• During my career I served as both our department's robotic team program manager and the state's UAS coordinator
• I share a concern about the potential of a Chinese drone, whether it's UNIQ, DJI, or Altel. robotics?
• AUVSI is the world's largest nonprofit dedicated to the advancement of autonomous and robotic systems

Bills: HB17, HB34, HB41, HB 118, HB 119, HB 127, HB 128, HB 129, HB 130, HB132, HB133, HB17, HB41, HB118, HB119, HB127, HB128, HB129, HB130, HB132, HB133

Keywords: foreign ownership, real estate, national security, designated countries, Texas property law, lobbying, foreign adversaries, compensation prohibition, transparency, civil penalties, higher education, foreign adversary, research security, trade secrets, academic partnerships, HB 128, sister city, sister-city agreement, international exchange, municipal diplomacy

Transcript Highlights:

• <01:40:17.400> trance<01:40:18.040> like<01:40:18.159> a<01:40:18.320> robot
• <01:40:18.840> depositing in a trance like a robot depositing in a trance like a robot depositing

Keywords: 1187, senate, all

Transcript Highlights:

• We're including robotic process automation to reduce manual entry.
• So that robotic processing not only reduces errors, but it also increases efficiency so that our staff

Keywords: 1184, house, all

Transcript Highlights:

• we don't look at these trade areas like the cyber security, like the police training program, the robotics
• we don't look at these trade areas like the cyber security, like the police training program, the robotics

Keywords: 1189, house, all

Summary: The Public Higher Education Study Committee held an organizational meeting and received an update from the university and community college systems on implementation of recommendations from the governor’s higher education task force. The systems said the task force report contained about 40 recommendations, and they have focused first on operational items while continuing to work on larger policy issues, including better alignment of public higher education with workforce and economic development needs. The committee also discussed reporting requirements under the amended law and whether quarterly reports are required or whether annual updates are sufficient unless the committee requests more. A major topic was expanding Early College and dual-enrollment opportunities. The chancellors reported strong growth in Early College participation, significant student and family savings, and state scholarship support that they described as producing a strong return on investment. They said the goal is to build clearer pathways so students can earn college credit, reduce debt, and stay in New Hampshire for postsecondary education. They also noted ongoing work to simplify admissions and transfer processes, including about 100 transfer pathways between the systems, direct-admit efforts for community college and university students, and continued development of transfer equivalency tools. Members pressed the systems and the Department of Education on direct outreach to high school students, especially juniors, so students would know they are eligible for direct admission and other opportunities. The main obstacle discussed was access to student contact information, with officials saying the issue may involve contract limits with the College Board and possibly statutory constraints on sharing data. Department of Education staff said they are meeting with the systems and vendors to determine what changes are needed. Committee members urged faster action so students and families can receive letters or other notices about in-state options, affordability programs such as Granite Guarantee, and pathways to community college and university enrollment.

Transcript Highlights:

• Unfortunately, he left and went to school to do robotics heart surgery, and they paired me with a cardiologist

Keywords: 965, house, all

Summary: The first meeting of the Human Trafficking and Emergency Department Task Force focused on implementing Act 267 of 2025, which created the body to develop a statewide human trafficking protocol to be incorporated into regional sexual assault response plans. Chair Rep. Kelly Hennessy Dickerson and Office of Human Trafficking Prevention Director Mary Kate Andrepont outlined the task force’s goal of producing a practical, transferable protocol for hospitals and emergency departments across Louisiana, with help from Heal Trafficking. Members and presenters repeatedly emphasized that the protocol should be trauma-informed, survivor-centered, multidisciplinary, and adaptable to different regions and health systems. Hospital, SANE, and advocacy presenters described current practices and gaps. Ochsner LSU Health Shreveport’s Operation Rahab and FMOLHS’s policies highlighted staff education, badge buddies, private screening, reporting pathways, and coordination with the National Human Trafficking Hotline, law enforcement, DCFS, and local advocates. SANE nurses and forensic staff stressed that most trafficking victims pass through emergency departments and that subtle behavioral indicators, rapport-building, and broad staff education are critical. LaFASA described statewide sexual assault advocacy services, emphasizing 24-hour crisis response, legal support, and the role of advocates in helping survivors understand options and regain control. Child and youth trafficking specialists from DCFS-contracted programs, including Unbound Now and BCFS/Common Thread, explained Louisiana’s Act 662 response for minors, which routes reports into coordinated advocacy and care coordination. They said their teams respond statewide within 90 minutes, provide crisis support, and work with CACs, hospitals, and law enforcement. Members raised concerns about major service gaps, especially for adults, transportation, safe housing, and specialized placements for survivors with disabilities. Presenters also noted that male survivor housing remains limited, though Eden Centers now offers some beds. The task force also reviewed a needs assessment showing many hospitals lack mandatory trafficking training, screening practices, written protocols, and confidence in identifying victims. Members discussed expanding education beyond ED staff to residents, nursing schools, student health, mental health, housekeeping, maintenance, and law enforcement. No formal votes were taken, but the chair said the survey results and testimony would be used to draft a protocol before the next meeting, with a final draft to follow after further review and feedback.

Transcript Highlights:

• Those four technologies, broadly, are artificial intelligence, quantum computing, robotics, and synthetic

Transcript Highlights:

• To revive the corridor court says we prefer cookie-cutter and robotic adjudication of our poor and vulnerable

Bills: AB275, SB371, SB457

Keywords: criminal procedure, wiretap, law enforcement, child protection, sexual offenses, SB371, Nevada, trespass, criminal trespass, NRS 207.200, property rights, misdemeanor, warning period, 24 months, 36 months, no trespassing, posted signs, fencing, private property, public property

Transcript Highlights:

• They have time to continue to close that gap between vacant robots and property rights issues that exist

Bills: HJR 138, HB 42, HB 104, HB 129, HB 677, HB 426, HB 668, HB 1699, HB 2017, HB 2128, HB 2038, HB 3783, HB 3717, HB 2316, HB 3686, HB 2563, HB 3883, HB 4021, HB 2788, HB 2663, HB 3305, HB 3173, HB 3474, HB 1105, HB 3531, HB 3490, HB 3597, HB 1295, HB 3512, HB 3010, HB 3112, HB 4215, HB 3223, HB 3464, HB 3120, HB 4214, HB 4511, HB 3704, HB 4081, HB 4783, HB 4063, HB 2783, HB 4937, HB 5085, HB 2510, HB 3426, HB 4361, HB 1169, HB 2516, HB 2347, HB 4034, HB 4700, HB 3560, HB 5150, HB 3860, HB 3146, HB 3924, HCR 98, HCR 92, HB 1520, HB 1545, HB 5265, HB 1887, HB 1914, HB 2402, HB 2306, HB 2350, HB 3000, HB 3237, HB 3326, HB 3211, HB 1056, HB 2081, HB 2187, HB 3092, HB 3308, HB 3526, HB 3750, HB 4219, HB 4230, HB 4290, HB 5238, HB 4804, HB 4749, HB 245, HB 1465, HB 294, HB 793, HB 809, HB 3928, HB 334, HB 2037, HB 1973, HB 285, HB 4341, HB 1043, HB 1234, HB 1193, HB 1729, HB 2498, HB 1314, HB 1353, HB 3960, HB 3923, HB 2221, HB 2517, HB 2518, HB 2213, HB 5092, HB 3748, HB 5246, HB 4344, HB 1482, HB 4044, HB 2702, HB 4264, HB 2807, HB 2898, HB 3181, HB 3250, HB 2091, HB 2115, HB 2542, HB 2768, HB 3349, HB 4406, HB 1593, HB 1899, HB 3133, HB 3133, HB 4960, HB 3214, HB 2145, HB 1201, HB 5061, SB 29, SB 879, SB 65, SB 1745, SB 412, SB 412, SB 1746, SB 1238, SB 1341, SB 522, SB 1532, SB 1378, SB 1062, SB 2066, SB 1963, SB 2204, SB 1366, SB 2077, SB 1967, SB 1151, HB 1618, HB 2156, HB 2615, HB 2615, HB 2349, HB 1926, HB 569, HB 1762, HB 38, HJR 138, HB 42, HB 104, HB 104, HB 129, HB 677, HB 426, HB 668, HB 1699, HB 2017, HB 2128, HB 2038, HB 3783, HB 3717, HB 2316, HB 3686, HB 2563, HB 3883, HB 4021, HB 2788, HB 2663, HB 2663, HB 3305, HB 3173, HB 3474, HB 1105, HB 3531, HB 3531, HB 3490, HB 3490, HB 3597, HB 1295, HB 3512, HB 3010, HB 3112, HB 4215, HB 3223, HB 3223, HB 3464, HB 3120, HB 4214, HB 4511, HB 3704, HB 4081, HB 4783, HB 4063, HB 2783, HB 4937, HB 5085, HB 2510, HB 3426, HB 4361, HB 1169, HB 2516, HB 2347, HB 4034, HB 4700, HB 3560, HB 5150, HB 3860, HB 3146, HB 3924, HCR 98, HCR 92

Keywords: carbon tax, carbon emissions, greenhouse gas, climate policy, fuel tax, emissions tax, Texas Constitution, Article VIII, tax limitation, environmental tax, fossil fuels, energy policy, legislative taxing authority, ballot proposition, constitutional amendment, higher education, funding, financial allocation, state budget, Texas A&M University

Transcript Highlights:

• industry innovators to collaborate in the advancement of cybersecurity, artificial intelligence, robotics

Summary: The committee heard and voted on two higher education bills before moving to a long series of university and college board appointment confirmations. CS/SB 742 would let charter schools directly access the Workforce Development Capitalization Incentive Grant Program for career and technical education programs tied to industry certifications, and would expand the money-back guarantee requirement from three to six programs at career centers and Florida College System institutions. A question was raised about whether the charter school access could reduce district funding or grant availability; the sponsor said it could, depending on available funds. The bill was supported by one appearance form and was reported favorably. The committee also heard SB 892, which codifies the Florida State University Election Law Center so it can continue and receive recurring funding. The sponsor and FSU witnesses said the center is nonpartisan and focused on evidence-based research, especially on election administration issues related to natural disasters and public confidence in elections. After testimony and questions, including about the center’s scope and funding, the bill was reported favorably. The remainder of the meeting consisted of testimony from numerous appointees to boards of trustees for state colleges and universities, including Tallahassee State College, Valencia College, New College, Pensacola State College, Florida Gulf Coast University, University of North Florida, St. Johns River State College, Palm Beach State College, Santa Fe College, Daytona State College, and Florida Atlantic University. Most nominees emphasized their personal ties to the institutions, support for workforce education, student success, and local economic development. Several highlighted priorities such as keeping tuition affordable, expanding internships and career pathways, strengthening nursing and other workforce programs, and improving graduation and retention rates. Some appointees also described campus-specific goals, including research growth at FAU and Harbor Branch, community engagement at New College, and continued support for health care workforce partnerships at FGCU. The most notable exchange came during testimony from Dr. Joel Rudman for the Pensacola State College board, where Senator Leek questioned him extensively about prior public comments that appeared to reference threats and drug testing legislators. Rudman said his remarks were aimed at Florida House members and not the Senate, denied any knowledge of illicit drug use by current or former senators, and said he was speaking candidly as a private citizen. Public testimony on his nomination included both support and strong opposition, with one speaker praising his community service and another warning about his alleged disruptive behavior and social media posts. The committee also heard from several supporters and appointees who were not questioned further, and the meeting ended with plans to vote on the appointments after all testimony was completed.

Transcript Highlights:

• To create it, not to create robots, but to actually start looking at the studies and saying, maybe, you

Bills: SB227, SB269, SB407, SB463, SB527, SB547, SB1283, SB1380, SB1383, SB1511, SB1640, SB1784, SB2069

Keywords: school funding, education reform, state budget, property taxes, equity in education, healthcare policy, vaccines, exemptions, religious beliefs, public health, workplace violence, healthcare facilities, definition expansion, safety regulations, health and safety code, health insurance, anesthesia, pediatric dental services, coverage, medical necessity

Transcript Highlights:

• factor. use a lot of automation, but also workers and people who make the products that the industrial robots

Keywords: tariffs, Trump administration, economy, public testimony, trade policy, market access, export controls

Summary: The meeting focused on various significant topics concerning the recent tariff policies and their wide-ranging implications on the American economy. Members expressed their concerns regarding the negative impact of increased tariffs as proposed by the Trump administration, with specific emphasis on how families might suffer from higher costs and market access issues. The discussion was lively, with members questioning the clarity of the tariff plan and raising concerns about its potential effects on small businesses and American exports.

Transcript Highlights:

• shallow loop geothermal injection wells, all other types of geothermal injection wells are now under the Robot

Transcript Highlights:

• Robotic voice greeted me hello this is the Texas fine network calling to inform you that Gerald Wayne

Bills: SB9, SB1047, SB1048, SJR17, SJR49, SB40, SJR1, SJR5, SB 9, SB 40, SJR 1

Keywords: bail reform, defendants, pretrial detention, public safety, criminal justice, charitable bail organizations, criminal procedure, public safety report, victim notification, family violence, bail bonds, public funds, political subdivision, injunction, taxpayer rights, violent crimes, sexual offenses, community safety, constitutional amendment, trafficking

Transcript Highlights:

• Do you know they have devices now that operate by robots to clean houses and so forth?

Keywords: 1136, house, all

Transcript Highlights:

• Consider Miko, an A.I. toy robot with a touch-screen face.
• TOY ROBOT WITH A TOUCH SCREEN FACE.

Keywords: 993, senate, all

Summary: The Senate convened, approved the prior journal, and then processed a series of motions to discharge bills from committees and substitute identical Senate bills, which were so ordered. Several bills were also recalled from the Assembly, had reconsideration votes taken, and were restored to the third reading calendar after receiving 58 ayes. Amendments were received on a number of bills, and those measures retained their place on the calendar. The main business of the day was Privileged Resolution 2318, sponsored by Leader Stewart-Cousins, honoring Senator Michael Gianaris with the President Pro Tempore and Senate Majority Leader’s Legislative Legacy Award. The resolution and floor remarks reviewed his long career in the Assembly and Senate, his role as Deputy Majority Leader and floor leader, and his work on housing, criminal justice, voting rights, labor, environmental, consumer, transit, animal welfare, and other major legislation. Members from both parties spoke at length, praising his strategic skill, mentorship, humor, and influence, while also noting his support for younger members and his commitment to family. Several senators described personal experiences showing Gianaris’s mentorship and political guidance, and many referenced his Greek American identity, Queens roots, and interests such as Star Wars and the Mets. Senators also emphasized that he was leaving on his own terms to spend more time with his wife and daughters. The resolution was adopted with broad support, and Gianaris then spoke in response, reflecting on nearly 30 years in state government, the major laws passed during his tenure, and the relationships he built in the chamber.

Transcript Highlights:

• There are also child sex robots, which share many of the same characteristics as sex dolls, but robots

Summary: The committee met to approve prior minutes and then heard a presentation from Dr. Ramona Danielson on adverse childhood experiences (ACEs), focusing on the economic and public-system impacts in North Dakota. She explained that ACEs are a population-level measure, not a diagnostic tool for individuals, and said higher ACE exposure is consistently associated with more chronic illness, mental health challenges, child welfare involvement, justice-system contact, and reduced workforce participation. She emphasized that precise dollar estimates are difficult because of the many interacting factors across a person’s life course, but said the direction of the impact is clear and that evidence-based prevention and protective factors can reduce harm. Members asked about definitions of a “healthy family,” same-sex couples, divorce, substance abuse, historical trends in ACEs, and the role of positive childhood experiences and home visiting. The committee then heard from Allison Mahoney and Missy Barranco about evidence-based home visiting programs in North Dakota, including Healthy Families, Early Head Start, Nurse-Family Partnership, and Parents as Teachers. They described home visiting as voluntary, relationship-based, and tailored to family needs, with referrals coming from hospitals, WIC, human service zones, pregnancy navigators, self-referrals, and other community sources. A parent, Abby, shared that home visiting helped her family after premature births and NICU stays by providing support with postpartum mental health, breastfeeding, developmental screenings, referrals, and parenting guidance. The presenters said the programs are funded through a mix of federal MIECHV/Title IV-E dollars, Medicaid targeted case management, state and tribal funds, philanthropy, charitable gaming, and grants, and they noted that current funding is fragmented and insufficient to serve all eligible families statewide. Members discussed whether the state should expand or better fund these services and how to improve outreach and referrals. Later, the committee received a memorandum on artificial intelligence and sexual exploitation, followed by a presentation from a BCI special agent on how AI is already affecting child exploitation investigations in North Dakota. The memo and testimony described AI-generated child sexual abuse material, deepfakes, sextortion, and risks posed by chatbots, along with relevant federal and state law and recent executive orders. The agent said North Dakota saw 2,698 cyber tips in 2025, the highest on record, and that investigators are increasingly encountering AI-assisted exploitation that is harder to detect and verify. Members discussed the need for child-safety protections, the limits of executive orders, and broader concerns about AI undermining critical thinking and spreading misinformation. No votes were taken on the AI materials during the portion provided, and the committee recessed briefly after the report.

Transcript Highlights:

• buildings, including an 800,000-square-foot sortation building containing the world's largest Amazon Robotics
• The sortation facility is equipped with the innovative use of robotics technology that helps move and

Keywords: 958, all

Summary: The task force met on November 4, 2025, approved the prior minutes without objection, and then heard a presentation from Amazon on its Kentucky aviation and logistics operations. Amazon described its statewide footprint, including its Boone County air hub at KCVG, its investment of more than $60 billion in Kentucky since 2010, about 20,000 jobs in the state, and its use of Amazon Air as a middle-mile network supported by third-party carriers. The company also highlighted small-business support, community relief efforts, and workforce development through Career Choice, including partnerships with Kentucky schools and aviation maintenance training. Members asked about Amazon’s most in-demand workforce needs, future operational challenges, and whether autonomous vehicles are used on the KCVG ramp. Amazon said it would follow up on workforce-demand details, identified customer-driven innovation and culture as ongoing challenges, and said autonomous vehicles are in testing but are not part of regular KCVG operations. Amazon also emphasized sustainability efforts, including alternative aviation fuel, and said it wants to work with the legislature to expand AAF production and supply in Kentucky. The task force then heard from Secretary Jeff Noel of the Kentucky Cabinet for Economic Development and Matt Wingate on the state’s aviation economic development strategy. They said aviation and aerospace are central to Kentucky’s logistics and economic-development goals, with aerospace identified as the state’s top export and air cargo as a major strength. They discussed outreach to general aviation airports, support for local grant matching, airport funding projects, workforce and education partnerships, and efforts to market Kentucky at aviation trade shows such as Paris Air Show and MRO America. No formal votes or other actions were taken beyond approving the minutes.

Transcript Highlights:

• jobs for a short period of time in high school, where I would do the services that now computers and robots
• businesses step in, take the risk of educating some of our youngsters, maybe not replacing them with robots

Summary: The committee first took up CS/SB 1606 on patient access to records. The sponsor explained that the bill, as amended, would align Florida law more closely with HIPAA by defining “designated record set,” requiring providers to furnish requested records within set timeframes, allowing a limited extension with notice, and requiring records to be produced in the requested form if readily producible. Several members asked about patient portals, legal representatives, and whether the bill affected meaningful-use rules or post-mortem access. Multiple witnesses opposed the bill, arguing it could create cybersecurity risks, conflict with existing privacy rules, and burden providers; supporters said it would improve patient access and consistency. The committee adopted the amendment and then reported the bill favorably. The committee then considered CS/SB 712 on construction regulations. The bill would direct DEP to establish rules for synthetic turf and limit local governments from banning it if state rules are followed, while also addressing change orders, public works bidding, elevator rails, alarm contractor work, building code updates, spaceport exemptions, permit document limits, and single-trade inspections. Amendments removed the pool and spa contractor provisions and the tall mass timber language. Testimony on the bill centered heavily on the pool industry, with contractors and the Florida Swimming Pool Association opposing expansion of scope to general and building contractors, while some speakers supported other parts of the bill. After adopting the amendments, the committee reported the bill favorably. Finally, the committee heard CS/SB 1288 on parental rights. The bill would allow minors to be tested for STDs without parental consent but require parental consent for treatment, expand parents’ rights to access records and control certain health decisions, and restrict health care services, medical procedures, and biofeedback devices for minors absent consent or an exception. An amendment moved survey and questionnaire provisions into the education code, added an explicit court-order exception, clarified DNA and biofeedback provisions, and added emergency behavioral health exceptions. The committee heard extensive public testimony both for and against the bill, with supporters emphasizing parental authority and opponents warning it could delay STI treatment, mental health care, and other services for vulnerable minors. The transcript ends during public testimony on the bill, before any final committee action is shown.

Transcript Highlights:

• use of the state's autonomous agriculture resources and defense capabilities; access to advanced robotics

Summary: The committee received a compliance and budget update on Industrial Commission agencies and programs, including the Industrial Commission administrative office, the Oil and Gas Research Program, the Clean Sustainable Energy Authority, the State Energy Research Center, the Research Technology Park grant program, and related funds. Staff reviewed spending and balances for items such as electric grid resiliency grants, lignite research, enhanced oil recovery, the salt cavern business case study, and the new NDSU research and technology park grant. Members also discussed timing, carryover balances, matching requirements, and how some programs are structured to reimburse projects over several years rather than spend funds immediately. Karen Tyler of the Industrial Commission described the agency’s administrative budget, the grant management system nearing completion, and the transition to standalone audits and staffing after separating from other agencies. She also outlined the status of active grant rounds across lignite, oil and gas, renewable energy, outdoor heritage, and clean sustainable energy programs. Members asked about the length of active grants, demand for clean energy funding, and the possibility of future grant rounds. Tyler and members also discussed the salt cavern study, the need to better define its commercial value, and the research technology park grant’s cash-match requirement. Ron Ness then testified on enhanced oil recovery and broader oil and gas market conditions. He said North Dakota production remained steady, but future growth depends on infrastructure, longer laterals, and better use of natural gas and carbon dioxide for EOR. He described the state’s EOR grant round, the use of federal DOE funding to replace part of a state-funded project, and the expectation of additional grant rounds. Members asked about CO2 supply, storage, and the economics of using legacy fields and pipelines to extend oil production and support agriculture and industrial uses. The committee also heard from Bank of North Dakota President Don Morgan, who reviewed the bank’s mission, governance, lending verticals, disaster programs, and new initiatives. He said the bank is seeing deposit growth flatten and is responding to fintech competition by focusing on liquidity, risk management, and a new payment infrastructure initiative called Rough Rider Coin, which he emphasized is not crypto and not a public coin, but a banking payment rail for North Dakota institutions. Members asked about student loan rates, disaster lending, and how the bank’s lines of credit and balance sheet capacity are affected by deposit trends. Morgan said the bank remains profitable and continues to support agriculture, commerce, and industry through participation loans, student lending, and state-directed programs.