Video & Transcript Research : 'orientation program'

Page 249 of 500
NM
Transcript Highlights:
  • Um, we actually don't do the letters program.
  • I went out and found a reading program.
  • We have a sports administration program, career in tech technology, uh, uh, education program that are
  • In your programs, do you have a program to train CTE teachers on the pedagogy of teaching their trade
  • or so about the alt license program.
TX

Texas 89th 2nd C.S.

S/C on Defense & Veterans' Affairs Mar 3rd, 2025

S/C on Defense & Veterans' Affairs

Transcript Highlights:
  • This is a two-part program.
  • This is the Department of Labor program.
  • We have an outreach program, a communication outreach program, because one of the biggest issues is that
  • We also have the Voices of Veterans program, which is a, we think it's the largest oral history program
  • Uh, it's, it's a wonderful program.
NH
Transcript Highlights:
  • It's been adopted children program.
  • We another good year for the program.
  • And through that program, you're not.
  • <00:42:21.040> if through this tuition waiver program if through this tuition waiver program
  • It's it's unfortunate that programs.
Keywords: 928, house, all
Summary: The committee met on December 19, 2025, approved the draft minutes from the November 21 regular meeting, and received a DHS commissioners update. Patricia Tilly reported on the state’s rural health transformation application, saying CMS had provided only one question and positive feedback, that the final federal award amount was still pending, and that DHS was preparing an accept-and-expend item for fiscal review using an up-to amount. She also said the new Hampstead YDC facility remains on track, with substantive construction expected by late summer 2026 and move-in likely in early January 2027. In response to questions, she confirmed the playground/outdoor activity area had been in the original design and was added when funding became available. Henry Litman, Medicaid director, discussed the Senate Bill 248 study committee report on palliative and hospice care. He explained the distinction between palliative care, which can be provided while a patient still seeks curative treatment, and hospice care, which involves electing not to pursue curative services. He said the committee’s work pointed to a need for better education for providers and the public, and described ongoing conversations with the Foundation for Healthy Communities and Home Health and Hospice about developing materials and possibly addressing how palliative services are bundled. He also said the study committee itself did not generate future legislation, though members could pursue it separately. Litman then answered questions about Medicaid eligibility and long-term services and supports, including delays in processing, the backlog from pandemic-era redeterminations, and efforts to speed reviews. He said the department is using temporary staffing funded in part by last session’s legislation, working with the New Hampshire Healthcare Association, counties, and UNH Law to streamline policy and training, and relying more on electronic asset verification while still guarding against improper asset transfers. He emphasized the goal of balancing faster access to benefits with compliance and fraud prevention. Robert Rodler followed with the annual tuition waiver update for children in foster care or guardianship. He reported 82 applicants and 65 waivers granted, including 35 for USNH schools and 30 for the community college system, and noted a correction would be issued for inaccurate continuing/new student figures in the report. Senator Gray said he intends to pursue a separate budget appropriation for these tuition waiver costs in the future so the funding would be clearly identified and easier to track. No additional votes were taken beyond approval of the minutes.
MN
Transcript Highlights:
  • updates and medication training program updates and medication training program approvals<00:04:
  • include additional facilities and programs serving children.
  • This is the behavioral health article. treatment program within 48 Hours of treatment program within
  • This section codifies the Intermediate School District Behavioral Health Grant Program.
  • <00:19:23.039> client treatment program client treatment program client records<00:19:24.960
Keywords: 1183, house
FL

Florida 2025 Regular Session

Commerce and Tourism Mar 31st, 2025

Transcript Highlights:
  • It deals with the rise Venture Tax Capital Tax Credit program, the Data Center Exemption Program, Business
  • The Rise Tax credit program has protected projected minimum.
  • This is the section where we're talking about venture Capital Tax Credit program, the Rise Program, Research
  • Now it's talking about the educational programs to training programs and things like this.
  • It's an insurance program.
Keywords: 999, senate, all
TX

Texas 89th Regular

Public Education Apr 22nd, 2025

Public Education

Transcript Highlights:
  • On the educational program of the homeschool.
  • J.A.E.P. programs.
  • and other alternative programs.
  • Alternative language programs are programs where they provide a bilingual education as required by state
  • Dual-language programming has countless benefits.
MN

Minnesota 2025-2026 Regular Session

Requiring MMB to include fraud impacts in budget forecasts 3/3/26

Minnesota House Floor Meeting

Transcript Highlights:
  • , including program integrity efforts.
  • expected spending in a state program expected spending in a state program including<00:05:20.600
  • including program integrity efforts. including program integrity efforts.
  • because it is also depriving uh programs because it is also depriving uh programs of<00:09:13.720
  • our programs. our programs.
Keywords: 1183, house
Summary: The committee took up House File 3683, which would require the state budget forecast to estimate the budgetary impacts of fraud committed against state programs. Chair Nash argued that fraud has real fiscal effects on the state, that those costs should be quantified in the forecast much like inflation was previously incorporated, and that doing so would help lawmakers understand the true cost of money lost to fraud. He also said the bill was intended to give MMB direction to develop a way to forecast fraud’s impact and that the issue should be treated as part of the state’s fiscal outlook. Deputy Commissioner Anna Mingy of Minnesota Management and Budget testified in opposition to the bill’s approach, saying fraud is unacceptable and MMB is committed to combating it, but that the twice-a-year forecast is not the right tool for this analysis. She said forecasts are forward-looking budget tools based on projected revenues and spending, while fraud analysis is retrospective and involves legal definitions and processes. She also warned that requiring MMB to consult with legislative chairs on fraud estimates before public release could politicize the forecast and would be a departure from current practice. Members raised concerns about how fraud would be defined and quantified, whether the bill would cover known or potential fraud, and whether it would duplicate existing budget adjustments. Chair Nash responded that the bill was modeled on prior inflation-forecast language and said fraud’s fiscal impact should be estimated even if the exact number is debated. Other members questioned whether the proposal would add value or create subjective numbers, while supporters said audits and program integrity data provide a basis for estimating a range. Deputy Commissioner Mingy also answered questions about bond ratings, saying Minnesota maintained its AAA rating and that rating agencies focus on governance and long-term obligations, not specific fraud estimates. She later said the administration’s anti-fraud package includes permanent bans on state contracts and grants for individuals convicted of fraud. The discussion ended without a recorded vote or final action in the excerpt.
AR

Arkansas 2026 Regular Session

JBC-PERSONNEL Apr 15th, 2026

JBC-PERSONNEL

Transcript Highlights:
  • It's moving nutritional programs from all nutritional programs, correct? So all the...
  • , which included commodities, some different adult feeding programs, different programs that came in,
  • Can you assure this committee that all program assets involved in the nutritional program of the state
  • and other nutritional programs that are transferring to it.”
  • So the entire programs are transferring to the Department of Agriculture.
Keywords: 1204, all
FL

Florida 2026 4th Special Session

February 10, 2026 - 04:00 PM

Transcript Highlights:
  • THE THREE PROGRAMS, OUR THESE THREE PROGRAMS THE ONLY ONES CURRENTLY EXEMPT FROM THE CIE, IF NOT WHAT
  • OTHER EDUCATIONAL PROGRAMS ARE EXEMPT. >> Chair: YOU ARE RECOGNIZED. >> Rep.
  • IT EXPANDS THE GUARDIAN PROGRAM TO ALLOW POST SECONDARY INSTITUTIONS TO OPT IN. OPT IN.
  • IN THE UNIVERSITY AND COLLEGE SYSTEM TO PARTICIPATE IN THE GUARDIAN PROGRAM.
  • THE SAME SCHOOL DISTRICT THAT WOULD ALLOW THEM TO BE PART OF THE GUARDIAN PROGRAM.
NM

New Mexico 2025 Regular Session

IC - Water and Natural Resources Sep 11th, 2025

Water & Natural Resources Committee

Transcript Highlights:
  • And then we've activated programs such as our life watch program.
  • The Legacy Fund supports this program and the Trails Plus program at the Outdoor Recreation.
  • the Healthy Soils Program and Soil and Water Soil Health Program.
  • So, for example, this is a federal grant program. It's not a quick granting program.
  • Process for each program.
MN

Minnesota 2025-2026 Regular Session

Conference Committee on HF2431 5/9/25

Transcript Highlights:
  • uphold the integrity of the program. uphold the integrity of the program.
  • <00:08:13.840> So um of specific training programs. So um of specific training programs.
  • <00:15:00.240> in harmless the dual training program in harmless the dual training program
  • program based on a New York, uh, program program based on a New York, uh, program where<00:30:23.440
  • staffing as they develop the program. staffing as they develop the program.
Keywords: 919, house, all
Summary: The committee first took up a series of “same and similar” provisions between the House and Senate higher education bills and adopted them one by one, with brief explanations from members and staff. The items included a cybersecurity addition for a doctoral degree program, Northstar Promise definitions and eligibility limits, self-loan provisions on institution eligibility and data disclosure, and dual training language requiring certificates, diplomas, or degrees to come from accredited postsecondary institutions. The committee also adopted an amendment to the private career school provisions that clarified exempt institutions remain within the act, and removed certain limited-license and renewal fees for institutions participating in dual training grants or the eligible training provider list. Each of these motions prevailed by voice vote. The committee then moved into policy differences between the House and Senate bills, beginning with emergency grants and hunger-free campus grants. Members discussed shifting funding from OHE-administered competitive grants to direct appropriations for the University of Minnesota and Minnesota State, while the Senate retained competitive grant access for private and tribal colleges and added reporting requirements. OHE Commissioner Dennis Olson said the added reporting would be an extra administrative task but raised no significant concerns. Testifiers from the University of Minnesota, Minnesota State, and the private college sector supported faster, more direct funding and described the grants as important for emergency housing, transportation, food insecurity, and other student basic needs. A LeadMN representative also supported the changes, saying campus staff and students wanted funds delivered more quickly. The committee also discussed direct admissions on R31. The Senate proposal would require public and charter high schools to participate in the direct admissions program by the 2029-2030 school year. Assistant Commissioner Wendy Robinson said OHE supports statewide expansion and that the program has improved FAFSA completion, college enrollment, and student retention in Minnesota. Members noted the bill had bipartisan support and heard from advocates such as Ed Allies and Students United. No votes were taken on the policy-difference items during this portion of the meeting, and the chair said further discussion of state grant and sexual misconduct policy differences would be held at a later hearing with additional OHE staff present.
NH

New Hampshire 2025 Regular Session

House Finance Division I (02/27/2025)

Transcript Highlights:
  • program.
  • ><00:03:44.000> specialist program we have a program specialist program we have a program specialist
  • :02.760> program previously mentioned that program previously mentioned that program requires<
  • program.
  • The SBDC program is a program that's been around for over 45 years.
Keywords: 928, house, all
Summary: The committee held a work session on the Department of Business and Economic Affairs’ budget, with testimony from division leadership on staffing, funding sources, and program changes. Early discussion focused on vacant positions in the agency, including a senior planner tied to FEMA requirements, a federally funded program assistant, a program specialist to be reclassified during a planning reorganization, and two Housing Champions positions that were authorized but not funded in the current biennium and are requested for 2026-27. The witnesses also explained that temporary welcome center positions are filled as funds allow, and that the agency’s requested general fund increase is driven largely by the Division of Travel and Tourism Development and its formula-based funding. Members then reviewed rest areas, welcome centers, outdoor recreation, economic development, procurement, and workforce opportunity lines. The department said there are 12 rest areas, with 5.8 million foot counts in FY 24, and that welcome centers are generally open year-round, though Sutton is currently closed and staffing relies on a mix of full-time and temporary employees. The outdoor recreation position is federally funded through USDA and supports business outreach, trade shows, and industry promotion. In economic development, the agency said increased dues reflect participation in the Northern Borders Regional Commission, and that a marketing line item is intended to support recruitment and promotion of growth industries such as advanced manufacturing and life sciences. The Apex Accelerator Program was described as a state-federal partnership requiring a state match and providing government contracting assistance to businesses, while the Office of Workforce Opportunity was explained as a federally funded WIOA-related effort administered through multiple agencies and subrecipients. A major point of discussion was the proposed reduction to the Small Business Development Center, which members said had generated significant public concern. The department described SBDC as a highly effective technical assistance program for new and small businesses, but said the cut was one of the few places it felt it had room to reduce funding. Members asked about federal support and matching requirements for various programs, and the department said less than half of its overall budget is generally funded by the state and that some programs require state match. The committee also discussed travel and tourism marketing and the Joint Promotional Program, with the department saying those funds support broader advertising campaigns and grants to chambers and trade associations for events such as Bike Week, Restaurant Week, and the Seafood Festival. No votes were taken during the work session.
MA

Massachusetts 2025-2026 Regular Session

Formal House Session 19 Jun 21st, 2026 at 11:00 am

Massachusetts House Floor Meeting

Transcript Highlights:
  • New York's three-year program is $3 billion, or $149 per capita.
  • New York's three-year program is $3 billion, or $149 per capita.
  • be the highest program per capita in the nation.
  • The programs that are run by public benefits like Mass Save are large programs.
  • A decade later, that program has cost $6.2 billion.
Keywords: 995, all
Summary: The House opened with the Pledge of Allegiance and then took up several procedural matters, including adopting a resolution recognizing the work of Ukraine Forward and suspending Joint Rule 12 for a number of petitions. The chamber also scheduled several bills for later consideration, including measures on unemployment insurance for fluctuating work schedules, the Medical Society mission statement, a youth training wage, bridge and intersection namings, handicapped parking fines, public-way safety, excavation restoration, motor vehicle safety, and a Newton police age requirement. Two engrossed local bills were passed to be enacted: one authorizing retired police officers as special police in Plainville and another allowing Orange to increase its Board of Selectmen membership. The main policy debate centered on House No. 5151, An Act relative to energy affordability, clean power, and economic competitiveness. Supporters described it as a broad affordability and clean-energy package that would cut costs for ratepayers, reform Mass Save, speed clean-energy procurement and interconnection, return a portion of alternative compliance payments to customers, and address biomass and other energy issues. Opponents argued the bill relied too heavily on long-term programs and new administrative structures while offering little immediate relief, and raised concerns about costs being shifted to consumers, impacts on natural gas, and the pace of implementation. Several amendments were debated and rejected, including proposals to shift public benefit charges away from peak hours, pause public benefit charges for a year, require greater utility disclosure before rate increases, and add a forest-clearing penalty for solar development. One amendment to the energy bill was adopted: a consolidated amendment that included budget-billing consumer protections for gas customers, requiring notice and conservation recommendations when usage rises significantly. The House also adopted an amendment to a separate conservation-restriction bill for Hanson, changing a figure in the underlying law, and passed that bill to be engrossed as amended. The energy bill’s consolidated amendment passed by roll call, while several other amendments failed by roll call votes. The House observed multiple moments of silence honoring Jaden Booker, Thomas Skip Karam, former Freetown Police Chief Carlton Abbott, and former Representative and Senator William Q. “Biff” McLean, Jr.
CA
Transcript Highlights:
  • The KETFA STE program is one of the few incentive programs in California that encourages clean energy
  • The program is one of the few incentive programs in California that encourages clean energy manufacturing
  • My program is the answer to that.
  • The STE program is popular.
  • Since 2021, Ametis has utilized the KETFA STE program as a critical part of our capital expansion program
Summary: The Assembly Committee on Revenue and Taxation heard several bills focused on transit funding, veterans’ tax relief, clean energy incentives, housing development costs, and tax conformity. SB 63 would authorize a Bay Area regional sales tax measure for transit agencies facing fiscal shortfalls; supporters said it was needed to avoid major service cuts, while the California Taxpayers Association opposed it on Proposition 13/218 concerns. SB 56 would exclude veterans’ disability compensation from income calculations for the disabled veterans’ property tax exemption, and SB 296 would expand property tax relief for 100% disabled veterans and certain surviving spouses; both drew broad veterans’ support. SB 86 would extend and expand the California Alternative Energy and Advanced Transportation Financing Authority sales and use tax exemption program, including fusion energy, and SB 302 would conform state tax law to federal clean energy credit monetization provisions; both were backed by industry, labor, and clean energy advocates. SB 328 would cap Department of Toxic Substances Control fees on contaminated-soil remediation for infill and master-planned housing projects, with housing groups arguing the current fee structure can make projects infeasible. SB 711 would update California’s tax conformity date to January 1, 2025 to reduce complexity and inconsistencies with federal law, and was supported by tax professionals and business groups. Several bills were held or sent to suspense, while others advanced with amendments. After quorum was established, SB 63 passed the committee 4-2 and SB 86, SB 302, SB 328, and SB 711 were referred to suspense, with SB 86 and SB 302 later approved out of suspense with amendments. SB 56 was held in committee, SB 296 was made a two-year bill, and SB 284 and SB 723 were held. The committee also approved a number of additional suspense-file bills, including SB 293, SB 359, SB 419, SB 587, SB 603, SB 663, SB 710, and SB 785, while SB 591 was approved with amendments and SB 353 was made a two-year bill. The hearing concluded with the committee adjournment after final roll calls and bill actions.
HI

Hawaii 2025 Regular Session

FIN Info Briefing - Wed Jan 8, 2025 @ 9:00 AM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • programs for refugees and also food assistance programs within your administration.
  • I think it's a great program.
  • to expand the program.
  • to expand the program.
  • We also created a dental program.
Keywords: 910, house, all
Summary: The Committee on Finance held an informational briefing with the Department of Labor and Industrial Relations on its budget, staffing, and operations. The director reviewed department leadership and reported on recruitment and retention efforts, including a 14% vacancy rate, a 10.5% workforce increase from filling 189 positions, and the Hela Imua internship program, which has placed 516 interns since inception and led to 62 permanent hires. The department also described modernization efforts, including the UI Huakai project and the Disability Compensation Division’s electronic case management system, and said the unemployment compensation trust fund exceeded $71.5 million, triggering Schedule C for calendar year 2025. The department’s main budget requests included $2.9 million for fiscal year 2026 to support maintenance and operations of the electronic case management system, plus restoration of two enforcement specialist positions. Officials said those positions are needed to address a decline in investigators from 11 to six since 2009, improve compliance, and handle Hawaii Compliance Express certificate work. Additional requests included two human resources specialists to address recruitment backlogs, two labor enforcement specialists to reduce a backlog of Chapter 104 prevailing wage and wage cases, and two positions for the Office of Community Services to expand immigrant services and access centers. The department also discussed federal funding for unemployment insurance and workforce programs, including National Dislocated Worker Grants and Workforce Innovation and Opportunity Act funds, and said some funding is received in increments and may require extensions. Members asked about Kauai inspection coverage, federal funding uncertainty, the size of the special unemployment insurance fund, and whether the department could ramp up staffing during a future crisis. Officials said Kauai is currently served by inspectors from Honolulu and there are no plans to open a permanent island position because of staffing constraints. They said the department is meeting federal guidelines and is not in jeopardy, and that the special unemployment insurance fund has about $10 million, with current UI operations funded at a little over $15 million, meaning the fund may need to cover roughly $5 million if federal support declines. The director said the department would use the special fund to supplement shortfalls, but noted that federal funding cuts and the loss of ARPA support have already affected operations.
NM

New Mexico 2025 Regular Session

IC - Legislative Finance Oct 15th, 2025

Transcript Highlights:
  • And dependence in our programs.
  • Investment program.
  • the premier programs in the country.
  • But now we We ended that program; we're in a market rate program, and this has the capacity to provide
  • Managers in our New Mexico-focused venture capital program; the program, throughout most of its life,
MN

Minnesota 2025-2026 Regular Session

House Human Services Finance and Policy Committee 3/26/25

Human Services Finance and Policy

Transcript Highlights:
  • c> have<00:04:14.080> witnessed Through this program, I have witnessed Through this program
  • and trusted transitions program and trusted transitions program professionals<00:09:14.080> to
  • ACT program is more of a day uh is a ACT program is more of a day uh is a program<00:19:11.440> where
  • state like people in the MSOP program. state like people in the MSOP program.
  • > exactly<00:51:10.960> this programs meet people at exactly this programs meet people
Keywords: 1183, house
MN

Minnesota 2025 1st Special Session

House Capital Investment Committee 1/23/25

Capital Investment

Transcript Highlights:
  • <00:02:21.440> and agency is in charge of this program and agency is in charge of this program
  • <00:14:56.240> data significant issues with program data significant issues with program data
  • projects how this program has impacted projects how this program has impacted projects subject<00
  • about 20 22 years ago when the program about 20 22 years ago when the program first<00:50:50.680
  • <00:52:33.559> the the auditor showed how the program the the auditor showed how the program
Keywords: 1183, house
Summary: The House Capital Investment Committee met on January 23 and approved the minutes from the previous meeting. The main presentation was from the Office of the Legislative Auditor on its evaluation of Minnesota’s Sustainable Building guidelines, also referred to as B3. The auditors said the guidelines apply to certain new buildings and major renovations funded with general obligation bonds and are intended to improve energy efficiency, occupant health, and environmental quality. They described the program as involving the Departments of Administration and Commerce, the University of Minnesota’s Center for Sustainable Building Research, and project teams, but found widespread confusion over who is responsible for administering and enforcing the program. The auditors reported that oversight and accountability are limited, compliance is not clearly tracked, and there is no agency assigned to ensure projects follow the guidelines or to require compliance data. They said many projects in a review of 2020 bonding projects had not begun tracking compliance, and that up-to-date data were often missing. They also found the law’s stated program objectives are outdated because the referenced energy-code provision was repealed in 2009, and that measurable goals have not been established for most of the guideline categories. The office recommended that the legislature designate a responsible agency, clarify duties in statute, require compliance monitoring and data collection, update the program’s stated goals, and direct systematic evaluation of cost and sustainability outcomes. Members asked about consequences for noncompliance, funding, and whether cost impacts should be studied first. The auditor said the requirements are legal obligations, but no real enforcement consequences have been used so far, and any consequences discussed have been mostly theoretical. She said the Departments of Administration and Commerce were receiving about $1 million combined to support the contract with the Center for Sustainable Building Research, while other state agencies were not receiving dedicated funding for oversight. In response to questions about costs, she said the overall effect of the guidelines on project costs and sustainability is still unknown, but that the legislature could direct an analysis of cost impacts before taking further action.
NM

New Mexico 2026 Regular Session

IC - Legislative Finance Dec 9th, 2025

Transcript Highlights:
  • Each one of these programs is a tool in a tool chest, right?
  • These are programs that parents choose.
  • With regards to tribal services or tribal programs, do we have any... ...or tribal programs, do we have
  • It’s called a voucher program. That’s what it is.
  • We should not be supplanting federal programs.
Summary: The committee heard first from LFC staff on a brief about New Mexico’s universal child care expansion. Staff said child care assistance has clear benefits for parents and families, but LFC has not found evidence in New Mexico that it improves children’s educational outcomes; they argued pre-K is the better tool for that goal. The brief highlighted four concerns with universal access: an estimated annual cost of about $849.7 million, a sharp decline in registered homes, possible crowding out of lower-income families, and reduced access for children under age two. Staff also suggested possible mitigations such as prioritizing slots for low-income and at-risk families, reinstating sliding-scale co-pays, and tying quality improvements to workforce wages. Members raised questions about the cost estimate, funding sources, provider quality, and whether the data showed actual crowding out. Several lawmakers expressed support for child care generally but concern about the fiscal impact and whether universal access would divert resources from the families most in need. Others emphasized the importance of child care for workforce participation, rural communities, and family stability, and questioned how registered homes are counted and regulated. LFC staff clarified that the cost estimate was for child care assistance only, not the entire ECECD budget, and that the data showed declines in the share of lowest-income children and infants/toddlers served, though not causation. The ECECD secretary then presented the department’s response, saying universal child care is intended to complete a cradle-to-career system and that the department has already seen strong uptake, increased capacity, and rising workforce participation. She said 6,206 families were found eligible in the first month, the share of infants and toddlers served rose, and new provider applications and licensed slots increased after the November rollout. The department also emphasized wage increases, quality improvements, and a new wage scale/career lattice, while projecting a lower near-term cost than LFC’s estimate and requesting additional funding for child care, early pre-K, home visiting, workforce systems, and capacity-building. No votes or formal actions were taken in the portion provided; the discussion was informational and focused on questions and testimony.
KY
Transcript Highlights:
  • And again, I think those programs.
  • Two more to take a serious look at are the FEMA programs, the FEMA post-disaster funding programs.
  • , the National Flood Insurance Program, the National Flood Insurance Program, which<00:23:31.520>
  • together to to tighten federal programs. together to to tighten federal programs.
  • . programs. programs.
Keywords: 958, all
Summary: The interim task force on disaster prevention and resiliency met for its fourth meeting and focused heavily on insurance markets, affordability, and mitigation. Cochairs noted they are working toward recommendations for a later fall meeting. The main presentation came from David Snyder of the American Property Casualty Insurance Association, who said the insurance industry sees itself as part of the problem and part of the solution because it ultimately pays for losses created by natural conditions, development choices, and construction practices. Snyder described rising losses from natural catastrophes, inflation-driven increases in rebuilding and repair costs, more development in disaster-prone areas, wildfire exposure, severe convective storms, hail, and roof damage. He argued that Kentucky should avoid the mistakes he attributed to California, where regulatory responses contributed to a strained insurance market and greater reliance on the FAIR Plan. He said Kentucky’s private market appears to be functioning better, with relatively few FAIR Plan policies, and urged lawmakers to preserve that market through risk-based rates and policies that do not worsen availability. He recommended a broad mitigation strategy involving stronger building codes, land-use decisions, stormwater infrastructure, public access to risk data, and incentives for resilient construction. He highlighted programs such as the Insurance Institute for Business and Home Safety, fortified-home standards, wildfire-prepared community practices, and examples from Alabama, Louisiana, and Florida showing that mitigation can produce quick returns and insurance discounts. He also suggested catastrophe savings accounts, flexible coverage options, and a whole-of-government approach that includes the insurance department, building-code agencies, first responders, FEMA, NFIP, and NOAA. In questions, a legislator asked about the prognosis if carriers continue exiting markets and if nothing is done to address affordability and accessibility. Snyder said he could not predict market exits but stressed that regulators should monitor the market closely, use available data, and focus on loss prevention and mitigation. He said insurers want to do business in Kentucky and that the long-term solution is coordinated action among public and private stakeholders to reduce risk and keep coverage available.