Transcript Highlights:

• recall that recently some funds were held back by the administration, and those funds were eventually released
• Funding for next school year was received just recently when the OMB released the funds that they had

Keywords: This live stream stopped early and will be uploaded as a complete video later today or tomorrow morning., 958, all

Summary: The committee first considered a pulled contract involving the Department of Education and heard from KDE staff Karen Worth, Matthew Courtney, and later Mickey Ray Marinelli. Members asked about contract 42, which related to the 21st Century Community Learning Centers program and broader federal budget uncertainty. KDE explained that the program is forward-funded, so current-year and next-school-year funding were secure, but future funding remained unclear because federal decisions were still in flux. Members asked to be kept informed of any changes and expressed support for the program. The committee then discussed contract 43, a $105,000 general fund agreement for a communications/digital media consultant. KDE said the position was created to help increase awareness of resources for district staff, administrators, and teachers, including Read to Succeed, numeracy, MTSS, website usability, standards resources, and the Kentucky Learning Hub. Members questioned why the work was being routed through the Green River Co-op, whether the role was new, how long it had been vacant, how many similar positions existed, and whether the work amounted to internal marketing. KDE said the selected employee was coming from Thomas More University, the position had existed for about one year, the vacancy had been less than six months, and the role was intended to improve communication and online resources. Some members voiced concern about growing administrative spending and whether more positions were needed. Both contracts were ultimately approved as reviewed without objection after motions, seconds, and roll-call votes. The committee then announced that the September 25 meeting would instead be held on Tuesday, September 9 at 9:00 a.m., and adjourned after a motion.

Transcript Highlights:

• It allows land in a municipal extra-territorial jurisdiction to be released from the ETJ via petition
• Finally, Senate Bill 2523 allows a landowner to opt out of any removal efforts before an area is released

Bills: SB1708, SB2523, SB1450

Keywords: county platting, subdivision platting, Local Government Code Chapter 232, Section 232.022, Section 232.0014, model subdivision rules, Water Code Section 16.343, Texas county subdivision law, residential subdivision, land conveyance, gift deed, family transfer, consanguinity, affinity, third degree relative, five acres or less, county land use, platting exemption, rural land division, property subdivision

Transcript Highlights:

• Change this law, and it'll still be standing when he's released.
• This is the bill that relates to the release of motor vehicle collision report information.

Bills: HCR114, HB137, HB283, HB1398, HB1960, HB2153, HB2431, HB2638, HB2699, HB2999, HB3208, HB3389, HB3413, HB3510, HB3642, HB3859, HB3974, HB3986, HB4142, HB4173, HB4174, HB4542, HB4605, HB4663, HB4731, HB5064, HB5216, HB5218, HB5332, HB5453, HB5577, HB137, HB283

Keywords: memorial, pedestrian bridge, Houston, Sergio Ivan Rodriguez, city council, oversize vehicles, transportation permits, Hidalgo County, port authority, highway routes, healthcare, insurance, mental health, treatment access, state funding, transportation, axle weight, aggregates, regulations, Texas law

Transcript Highlights:

• But we continue to test the F2, F3, through F7 to 10 generations until a variety becomes released.
• Released, and many of them are discarded; they do not become.

Keywords: 908, all

Summary: The committee first took up Senate Bill 2023 for the Racing Commission. Members confirmed the bill’s existing items, including the internships program and copier replacement, and then adopted an amendment based on the worksheet that moved those items to one-time funding. The committee then passed SB 2023 as amended, with the only noted differences from the Senate version being the one-time treatment of the $20,000 internship item and the copier replacement. Next, the committee considered House Bill 2011 for the Highway Patrol. Representative Pyle explained a series of verbal amendments that shifted several one-time and ongoing expenses from the general fund to the electronic permit fee fund, including body armor, preliminary breath test devices, handgun replacement, emergency vehicle operations course resurfacing, and related items, while also removing the shooting range ventilation project because it could be completed with existing funds. The committee also added a section allowing carryover authority for federal grant dollars tied to the in-car router system. After adopting the amendments, the committee passed HB 2011 as amended. The committee then discussed Senate Bill 2014 for the Industrial Commission, focusing on a proposed amendment by Representative Fisher that would direct additional percentages of North Dakota Mill net income to wheat breeding programs at NDSU’s main experiment station and branch research centers. Members asked about current funding, the size of the proposed transfers, and how the money would be used, with Fisher arguing the funds would support breeding, disease resistance, and related research. Several members said they wanted more information on existing funding and program costs before advancing the idea, so the committee held the amendment for further review and took no final action on the bill during this discussion.

Transcript Highlights:

• Representative Hewitt, any other comments before we release you from the table up there?
• To answer that question, we are currently already transparent with Releasing the breeder information

Bills: HF2543, HF2566, HF2627

Keywords: garnishment, wage garnishment, earnings levy, bank levy, execution, judgment debtor, judgment creditor, exemption notice, exempt property, bank account freeze, financial institution levy, employer disclosure, garnishee, writ of execution, debt collection, consumer debt, collections, bankruptcy exemptions, public benefits, means-tested benefits

Transcript Highlights:

• producing waste byproducts, consuming substantial quantities of water using vast loss of land, and releasing
• A report released in 2024 by Ohio's Buckeye Institute is found that operating expenses for farmers under

Summary: The Agriculture and Natural Resources Budget Subcommittee heard House Bill 651, described by sponsors as the Florida Farm Bill and a comprehensive FDACS agency package. The bill combined technical agency updates with several policy provisions, including changes to water additive rules, labeling requirements for meat, milk, poultry, and eggs, criminal penalties related to drones over agricultural land, mail theft, and retail fuel theft, updates to disaster recovery loan programs, an FFA scholarship, school infrastructure provisions, land purchase authority for converted agricultural land, and a Florida Farmer Financial Protection Act addressing ESG-related banking practices. A major portion of the discussion focused on the bill’s fluoride language, with supporters arguing for local choice and consumer consent and opponents warning about public health impacts and loss of local control. Members also questioned the C-4 registry language and whether it was duplicative or could affect organizations’ status. Public testimony was split. Opponents included Florida for All and the Florida Dental Association, with testimony arguing the bill protected agribusiness interests and that removing fluoride would harm dental health, especially for low-income families. Proponents included Heritage Action, Heartland Impact, and several individuals who argued the bill protected farmers from ESG-driven banking restrictions and supported informed consent and the removal of fluoride from public water. Several agricultural and advocacy groups also waved in support. During debate, some members praised portions of the bill such as housing for agricultural workers, drone penalties, and school-related provisions, but said they could not support the fluoride preemption or the C-4 language. Others supported the fluoride provision as a matter of individual and local choice. On final passage, the committee reported HB 651 favorably. The vote was 11-4, with Chair Esposito, Vice Chair Botana, Representatives Barnaby, Benaroch, Black, Mayfield, Mooney, Plasencia, Salzman, and Weinberger voting yes, and Representatives Alvarez, Bartleman, Henson, and Rainer voting no.

Transcript Highlights:

• The counselors contact the individual following their release.
• The counselors contact the individual following their release from a crisis stabilization unit.

Summary: The Human Services Subcommittee considered three bills and reported all of them favorably. HB 1013, relating to crisis care coordination, would create a pilot program in Polk and Volusia counties to connect people who have had Baker Act-related crises with follow-up counseling, assessments, and outpatient services through partnerships between law enforcement and community providers. The sponsor said the program has reduced repeat Baker Act commitments in Polk County, and the committee adopted a strike-all amendment moving the pilot to a different statute, formalizing partnerships, and requiring an independent DCF evaluation due in January 2029. The bill drew support from mental health and justice advocates and passed unanimously. The committee then heard PCS for HB 511, which addresses child protective investigations involving specific medical diagnoses. Sponsors and several parents, attorneys, and advocates described cases in which children were removed after injuries were initially treated as abuse but later linked to conditions such as Ehlers-Danlos syndrome, metabolic bone disease, or other medical fragility. They argued the bill would require notice of the right to a second medical opinion, better consideration of preexisting conditions and medical records, and more coordination before reports are sent to law enforcement, while still preserving protections for abused children. Members expressed sympathy for the families and emphasized the need for fairness and accurate medical review; the bill passed 17-0. Finally, HB 1439, based on recommendations from the 2025 Commission on Mental Health and Substance Use Disorder, was presented as a broader mental health and substance use disorder measure focused on crisis response, access to care, and workforce development. An amendment aligned the bill more closely with commission recommendations, including assessment tools, trauma-informed practices, school-based behavioral health access, telehealth, discharge planning, and long-acting injectable treatment access. The commission chair testified that the bill reflected a vetted set of recommendations from subject matter experts and commissioners, and the committee adopted the amendment and then reported the bill favorably by unanimous vote. The meeting then adjourned.

Transcript Highlights:

• We are about to release, informed by our work here with you and across the budget process, a second roadmap
• We are about to release, informed by our work here with you and across the budget process, a second roadmap
• We are about to release, informed by our work here with you and across the budget process, a second roadmap
• We are about to release, informed by our work here with you and across the budget process, a second roadmap
• We are about to release, informed by our work here with you and across the budget process, a second roadmap

Keywords: 1191, senate, all

Transcript Highlights:

• 27:19.200> of<00:27:19.280> this It's 48 months or older, and some of this direct supervision
• The first being more opportunities for supervised field experiences where real-time application of learning

Keywords: 1187, senate, all

Transcript Highlights:

• We operate on tight budgets and reinvest in staff training, clinical supervision, and high-quality programming
• We operate on tight budgets and reinvest in staff training, clinical supervision, and high-quality programming

Bills: HF3423, HF2354, HF3634

Keywords: healthcare, provider enrollment, medical assistance, legislation, state funds, fraud prevention, subpoena authority, criminal penalties, consumer protection, service verification, Medicaid, human services, electronic documentation, 1183, house

Transcript Highlights:

• Another month later, my dad was released, but my mom was deported.
• Another month later, my dad was released, but my mom was deported.
• Another month later, my dad was<00:24:21.600> released,<00:24:21.919> but<00:24:22.080>
• was released, but my mom was deported. was released, but my mom was deported.
• Last month, we released a community.

Bills: HF3477, HF3480, HF3781, HF3357, HF3737, HF3664, HF3621

Keywords: civil rights, law enforcement, federal collaboration, accountability, state law, immigration enforcement, economic impact, Operation Metro Surge, study, appropriation, local government, Legislative Commission on Legislative Security, legislator security, elected official security, staff security, statehouse security, capitol security, legislative district safety, political violence prevention, threat assessment

Summary: The committee first attempted to approve minutes from February 24 and March 3, but members identified multiple spelling errors in names, so approval was held and the motion withdrawn. The committee then took up House File 3477, a bill by Representative Long proposing a civil remedy for constitutional violations by government actors, including federal actors. An author’s amendment (A4) was adopted to remove a subdivision and clarify retroactivity. In discussion, members raised concerns about Supremacy Clause and immigration-related issues; the author responded that the bill applies evenly to state and federal actors and is meant to enforce constitutional rights, not immigration law. After debate, the motion to re-refer the bill to the general register failed on a 6-7 vote, with one member excused. The committee next heard House File 3480, authored by Representative Howard, which would commission an independent economic impact study of Operation Metro Surge. An A2 amendment was adopted to add a dollar amount for the study and clarify timing. Representative Howard said the study would help the legislature understand statewide impacts and noted reported harm to businesses, child care, schools, and local governments. Testimony in support came from Laura Santiago, reading a statement from Christopher Gomez of Willmar, who described ICE agents entering his family’s restaurant, the detention and deportation of family members, and resulting business losses. Rachel Ser, Minneapolis emergency management director, cited a preliminary city assessment estimating major impacts including food insecurity, lost wages, business revenue losses, hotel cancellations, and rental assistance needs. Some members questioned the cost and usefulness of the study, while others said suburban and greater Minnesota communities also wanted the data. The transcript ends during continued discussion of the bill.

Transcript Highlights:

• But we are preparing to move quickly as soon as these funds are released to implement grant programs
• But we are preparing to move quickly as soon as these funds are released to implement grant programs
• funds<00:21:55.120> won't<00:21:55.360> be October, because the funds won't be released
• holding webinars and meetings with various providers and stakeholders once the funding has been released
• . and we look forward to been released. and we look forward to continuing<00:25:57.039> to<00:

Bills: HF1925

Keywords: nurse licensure, multistate license, healthcare, public safety, interstate compact, nursing regulation, 1183, house

Transcript Highlights:

• and a very virulent infection in my spine and was in another hospital across town and could not be released
• and a very virulent infection in my spine and was in another hospital across town and could not be released
• There are children in the hospitals who can't be released because they cannot fill shifts.
• /c><00:51:17.119> who<00:51:17.319> can't<00:51:17.559> be<00:51:17.760> released
• the hospitals who can't be released the hospitals who can't be released because<00:51:18.599>

Keywords: 1187, senate, all

Transcript Highlights:

• happening this year and last as well, as the Minnesota Department of Corrections to educate soon-to-be released
• and recently released corrections-involved individuals so that they can secure housing upon their release
• and recently released corrections-involved individuals so that they can secure housing upon their release
• uh overview of the annual report that uh overview of the annual report that was<00:38:01.000> released
• <00:38:01.520> over<00:38:01.720> the was released over the was released over the weekend

Keywords: 1187, senate, all

Transcript Highlights:

• The Minnesota and Duluth sections of ASCE have released a report card for our state in 2018 and 2022,
• and we are organizing a volunteer group for an update with planned release in 2026.
• Minnesota and delo sections of ASC the Minnesota and delo sections of ASC have<01:35:16.159> released
• a report card for our have released a report card for our state<01:35:17.880> in<01:35:18.080
• <01:35:24.440> in update with planned release in update with planned release in 2026<01:35

Keywords: 1187, senate, all

Summary: The Committee on Capital Investment held its first meeting of the 2025 session with members and staff introducing themselves and describing their priorities. Senators from both parties repeatedly emphasized the goal of passing a strong bipartisan bonding bill this year, with several members noting that local projects were delayed after no bonding bill passed the previous year. Chair Housley also said the committee would not meet later that week and previewed an upcoming presentation from MMB on federal funds. The committee then heard a presentation from MMB’s Leah Corey and Anna Ming on Minnesota’s federal funding efforts. Corey explained that MMB’s federal funds team coordinates state efforts to maximize funding from IIJA, IRA, CHIPS, and related federal programs. She said Minnesota has secured about $12.3 billion in federal funding so far, including roughly $3 billion more since the last presentation, supporting about 1,800 projects statewide. Most of the funding is going to transportation, roads, and bridges, with other major areas including clean energy and weatherization. She also highlighted an interactive public dashboard showing projects by region and noted that much of the data reflects funds flowing through the state enterprise. Corey also discussed state match programs that helped unlock federal dollars, including the IIJA discretionary match fund, the State Competitiveness Fund, and the Forward Fund. She said $180 million in state match has unlocked about $1 billion in federal investment through the IIJA discretionary match fund, nearly $17 million in state investment has unlocked nearly $90 million in federal funding through the State Competitiveness Fund, and $124 million for the Forward Fund has unlocked nearly $1 billion in federal and private investment. Members asked whether more state dollars could have brought in more federal funds; Corey said she was not sure, but noted the IIJA match fund is expected to run out in the coming months. The presentation also focused on direct pay tax credits under the Inflation Reduction Act, which allow tax-exempt entities such as governments, nonprofits, school districts, and tribal nations to receive payments for eligible clean energy projects after they are completed. Corey said the state is building awareness and technical assistance around direct pay, including educational sessions and a tax expert resource. She also described Minnesota’s Green Bank, the Minnesota Climate Innovation Finance Authority, which is beginning to issue loans for projects such as community energy, nonprofit geothermal systems, and solar-plus-battery installations.

Transcript Highlights:

• We released a report yesterday that offers our initial take on the governor's May Revision, and we're
• And then lastly, I'll cover the conditional release program non-SVP adjustment.
• Since the March 26 RFA was released, the commission has received over 400 questions and inquiries.
• It was inadvertently left out when the 2026-27 Governor's Budget was released in January.
• It is required under updated federal guidance released in September.

Summary: The Assembly Budget Subcommittee on Health held a May Revision hearing covering several health-related budget proposals and broader concerns about the state’s budget structure. The Chair opened by praising some May Revision changes, such as added health IT funding, county administration support tied to Medi-Cal changes, a delay in Medi-Cal cuts for some lawfully present immigrants, and additional support for Covered California subsidies, while criticizing proposed increases in Medi-Cal premiums, changes to senior eligibility, the lack of a Medi-Cal dental solution, and other reductions affecting counties, mobile crisis units, workforce incentives, and physician shortages. The Legislative Analyst’s Office said the state’s budget condition remains weak despite progress on the structural deficit, and the Department of Finance said the May Revision uses a mix of reductions, reforms, revenue proposals, and fund shifts to cut out-year deficits. The committee first heard Department of State Hospitals proposals, including adjustments to county bed billing authority, contract exemption language for online clinical/pharmacy subscriptions, reversion of unspent funds, a revised Metro Central Utility Plant replacement project, electronic health record implementation, and workforce development funded partly through Behavioral Health Services Act resources. DSH also described savings and realignments in incompetent-to-stand-trial and conditional release programs, including extending the independent placement panel program and shifting funds to support additional bed capacity and a mental health rehab center. Members asked about the use of BHSA funds for workforce programs, and the department said the proposal would replace General Fund support with BHSA reimbursements. The Emergency Medical Services Authority proposed funding for statewide behavioral health crisis response guidance and for enterprise system development, and the Department of Managed Health Care proposed modernization of its complaint system and claims-settlement data system to improve oversight and comply with AB 3275. The largest discussion centered on the administration’s BHSA spending plan under Proposition 1, including state-directed prevention, workforce, and other uses, plus General Fund offsets for existing programs. The LAO questioned whether some proposed offsets fit Proposition 1’s non-supplant and eligible-use requirements, while the administration argued the uses were consistent with the measure and that the state-directed share can be adjusted annually. The Commission for Behavioral Health’s proposals drew the most public and member concern. The administration proposed cutting the commission’s Innovation Partnership Fund from $20 million to $10 million and reducing the Community Advocacy Program by $6.7 million, while redirecting BHSA dollars to other state purposes and direct services. Commissioners, advocates, and several members argued the cuts would weaken community voice, reduce support for underserved populations, and disrupt grants already in process; they also objected to using BHSA funds to backfill General Fund commitments. Public commenters, including youth, disability, behavioral health, LGBTQ, tribal, veteran, immigrant, and community-based organization representatives, overwhelmingly opposed the cuts and urged preservation of prevention, advocacy, mobile crisis, and innovation funding. No votes or final actions were taken during the hearing.

Transcript Highlights:

• You know, obviously we've changed the schedule a little bit on how they would be released and some of
• You know, obviously we've changed the schedule a little bit on how they would be released and some of
• He is a champion for the value of catch-and-release fishing to conserve trophy fish populations.
• He is a champion for the value of catch-and-release fishing to conserve trophy fish populations.
• They're being punished, but the vast majority are going to be released.

Summary: The Senate convened with a quorum, prayer, the Pledge of Allegiance, and several member introductions recognizing interns, guests, and advocates. The Rules Chair added CS for CS for SB 622 to the special order calendar, and SB 80 on state land management was temporarily postponed. The chamber then moved through a series of bills, often substituting House companions for Senate bills when the measures were identical or nearly identical. The Senate passed SB 200/HB 295 on a comprehensive waste reduction and recycling plan, requiring DEP to develop a recycling and waste diversion roadmap by 2026; SB 492 on land development and mitigation banking, after adopting amendments related to mitigation credit use and former phosphate mine lands; and SB 494/HB 255 on aggravated animal cruelty, which increases sentencing consequences and creates a searchable FDLE database of convicted animal abusers, with an amendment clarifying the database language. The Senate also passed SB 500/HB 711 establishing the Spectrum Alert for missing children with autism, SB 524/HB 1089 adding Duchenne muscular dystrophy to newborn screening, SB 592/HB 393 revising the My Safe Florida Condominium Pilot Program, SB 742/HB 1145 on workforce education, SB 936/HB 827 on a statewide study of automation and workforce impact, SB 964/HB 181 on parole guidelines, SB 976/HB 901 on court-appointed psychologists, SB 1084/HB 1451 on sexual cyber harassment, and SB 1156 on a home health aid program for medically fragile children. Most of these bills were adopted after brief sponsor explanations, questions, and in some cases amendments or House-substitute motions. Debate centered on several policy issues. Senators raised concerns about the constitutional and environmental implications of mitigation banking credits in SB 492, the scope and privacy implications of the animal abuse database in SB 494, the funding and eligibility details of the condo resilience program in SB 592, and the public-school/charter-school balance in SB 822, which drew extensive questioning about enrollment, governance, discipline, accountability, and data sharing before being placed on the third-reading calendar after amendments. The Spectrum Alert bill drew support from members who compared it to the Purple Alert and emphasized the risks faced by children with ASD. The medically fragile children home health aid bill also drew strong support, with senators describing it as a long-needed fix to help families provide in-home care without losing Medicaid coverage. Votes on the measures reported in the transcript were overwhelmingly favorable, with bills passing by margins such as 38-0, 35-3, 37-0, 36-0, and 35-0.

Transcript Highlights:

• tax year 2020 and 2021, and then in 2022 and 2023... ...so few claimed exemption that we can't even release
• So, without releasing the names, how many entities or individuals took the tax exemption?
• we're just proposing that<00:57:08.280> so<00:57:08.680> without<00:57:08.960> releasing
• /c><00:57:09.480> the<00:57:09.720> names<00:57:10.240> how that so without releasing
• the names how that so without releasing the names how many<00:57:11.799> entities<00:57:12.359

Keywords: 912, senate, all

Summary: The hearing began on SP 547, which would create incentives for graywater recycling systems and atmospheric water generators through an income tax credit, a Department of Health rebate program, and building code standards. The Department of Health and Department of Taxation offered written comments; Taxation said it had seven proposed amendments to improve administration. Testimony was largely supportive, with advocates and local users describing water-supply benefits, emergency use during the Maui fires, and potential help for drought conditions and Red Hill concerns. The Tax Foundation of Hawaii suggested only the rebate program should move forward for clearer cost transparency, and the Department of Health said it needed more time to study the bill. Members questioned the fiscal impact and whether combining a tax credit and rebate was typical, but staff did not have cost estimates. Decision-making on SP 547 was deferred to February 12, 2025. The committee then took up SP 242 on foreign ownership of agricultural lands. The chair recommended passage with amendments, including deleting a reference to the Attorney General in one section and changing the effective date to July 1, 2050. Supporters argued the bill was a first step to limit foreign ownership of farmland, citing other states with similar restrictions, while several members said they supported the intent but had reservations about possible unintended harm to farmers and agriculture investment. After discussion, the measure passed with amendments on a 5-0 vote, with some members voting with reservations. The committee also discussed SP 1633, which would create a green building tax credit for structures using at least 30% Hawaii-grown hemp material. The chair said the bill was close but needed more work, and decision-making was deferred to February 12, 2025. Later, the committee heard several environmental measures: SB 683, which would ban intentionally added PFAS in certain products starting in 2028; SB 1109, which would replace the “finding of no significant impact” with a “finding of completion of environmental disclosure process”; SB 391, which would expand recycling requirements to certain lithium-ion batteries; and SB 12, which would classify neonic pesticides as restricted-use pesticides and limit certain seed treatments. Testimony on these bills included support from environmental and advocacy groups, comments from state agencies, and requests for amendments or further study, but no final votes were taken on those measures in the portion of the transcript provided.

Transcript Highlights:

• No, we see it at the same time as the release of the other agencies.
• When that is released, we get it at the same time the Sheriff's Department does. I see.
• All right, you guys are released. That was an easy day. All right, I'm missing two of the...
• First, release the emergency funds for the recovery now.
• There were two bodies laying over there and you know one of them had been released.

Keywords: 1185, senate, all

Bills: SB2060, SB2342, SB2577, SB2580, SB2809, SB2397, SB2315, SB2442, SB2152, SB2380, SB2462, SB2055, SB2438, SB2533, SB2203, SB2087, SB768, SB877, SB1139, SB787, HB963, SB277, SB2663, SB2555, SB2140, SB2115, SB2761, SB2198, SB2032, SB2579, SB2671, SB2835, SB2356, SB2095, SB2093, SB2318, SB2323, SB2485, SB2309, SB2321, SB2405, SB2153, SB2129, SB2170, SB2259, SB2578, SB2544, SB2701, SB2861, SB2108, SB2089, SB2106, SB847, SB3326, SB2047, SB2695, SB2667, SB2919, SB2446, SB2146, SB2723, SB2210, SB2527, SB2645, SB3331

Keywords: rental housing revolving fund, HHFDC, Hawaii Housing Finance and Development Corporation, mixed-income housing, mixed-income rental project, affordable housing, low-income housing, housing finance, housing development, preservation, rehabilitation, pre-development, construction financing, equity investment, credit enhancement, collateral, gap financing, area median income, AMI, perpetual affordability