Transcript Highlights:

• As far as enforcement via the civil mechanism, that would be the Attorney General, Secretary of State
• But that is my greatest concern.
• I have the greatest respect for law enforcement officers.
• And we're grateful to the Attorney General Al Torres.
• And so the Attorney General supports this bill. We ask for your support as well. Thank you.

Bills: SB23, SB221, SB261, SB264

Keywords: student use, wireless devices, public schools, policy implementation, education technology funding, misappropriation, petroleum products, oil and gas equipment, racketeering, criminal penalties, New Mexico, public safety, health regulations, community welfare, peace promotion, legislative reforms, election integrity, voter coercion, emergency procedures, polling place security

Transcript Highlights:

• and habitat for fish, ducks, and more than 17 species listed by the Minnesota DNR as species of greatest
• and the next generations. on Leech Lake. and the next generations. on Leech Lake.
• So for the past few generations.
• <00:10:50.560> When<00:10:50.720> we greatest conservation need.
• When we greatest conservation need.

Keywords: 1183, house

Transcript Highlights:

• There's $25 million appropriated uh uh for the uh program coming from the state general fund.
• coming<00:05:59.440> from<00:05:59.600> the<00:05:59.840> state<00:06:00.160> general
• coming from the state general fund. coming from the state general fund.
• intention, I would have preferred that we put this on a formula, whether it was safe schools or the general
• obviously, um, which is the greatest obviously, um, which is the greatest portion<00:27:24.720><

Keywords: 919, house, all

Summary: The committee heard House File 3492, which would create a $25 million grant program for school safety and security improvements, funded by a reduction in a prior appropriation for the Northern Lights Express rail project. The bill would allow grants of up to $500,000 through the Department of Education for school districts, charter schools, cooperative units, tribal contract schools, and nonpublic schools. Staff explained that the bill uses the language of clause 7 of the safe schools revenue statute, focusing on facility security enhancements such as laminated glass, public announcement systems, emergency communication devices, and related equipment and modifications. Testifiers and members generally supported the goal of improving school safety, but there was disagreement about the bill’s scope. Supporters, including a superintendent and a nonpublic school principal, said the bill would help pay for one-time hardening costs like secure entrances, door locks, redesigned offices, and other physical security upgrades, and argued that all schools and students should be eligible. Several members raised concerns that the bill is too narrow and too competitive, could disadvantage districts without grant writers, and should also allow broader uses such as counselors, social workers, SROs, or mental health supports. Others said the bill should prioritize physical security and that one-time dollars are best used for one-time facility improvements. No vote was taken. The chair indicated the bill would be laid over, and the discussion ended with the author saying the proposal is not a fix-all but a starting point for school safety investments.

Transcript Highlights:

• That's a fair statement in general.
• General inspectors general as I was saying before I don't know I wasn't part of the decisions that he
• Now, on the issue of inspectors general.
• As Attorney General, as Deputy Attorney General, as Principal Associate Deputy Attorney General, I know
• Attorney General.

Keywords: nominations, Deputy Attorney General, Assistant Attorney General, Department of Justice, Todd Blanch, Gail Slater, confirmation hearing

Summary: The meeting focused on the nominations of Todd Blanch and Gail Slater for the positions of Deputy Attorney General and Assistant Attorney General for Antitrust, respectively. The committee considered the qualifications of both nominees, with opening statements provided by the nominees themselves. There was an evident emphasis on the rigorous vetting process that nominees undergo before their selection, highlighting the importance of the roles within the Department of Justice. Members of the committee engaged in a structured question-and-answer session to further evaluate the nominees' capabilities and fit for the positions they were nominated for, with each member allotted seven minutes to pose questions.

Transcript Highlights:

• And they're really doing it for the next generation. But now it's our turn.
• generation. But now it's our turn. generation. But now it's our turn.
• keeping America's next generation keeping America's next generation position<01:44:40.159> to
• <02:18:04.319> Jonathan I would now like to ask General Jonathan I would now like to ask General
• we raised up the world's greatest we raised up the world's greatest cities.<02:26:24.560> Together

Keywords: Presidential address to the Joint Session of the United States Congress on Tuesday, February 24, 2026, 1012, house, all

Transcript Highlights:

• I think in terms of timing, generally speaking, I'll invite the panel and speaker up.
• And it's going to be very hard to find money, as we know, in the general fund.
• And it's going to be very hard to find money, as we know in the general fund.
• These measures fall generally into two categories.
• These measures fall generally into two categories.

Keywords: 987, senate, all

Summary: The Senate Committee on Insurance held an informational hearing on how climate change, wildfire risk, and related catastrophes are affecting California’s insurance market, affordability, and availability. Chair and members framed the issue as a statewide challenge tied to resiliency, land use, utilities, legal liability, and the FAIR Plan. Senator Becker noted the hearing was connected to SB 254 and its recent report, while the Vice Chair emphasized that the state’s current regulatory framework limits flexibility and that industry testimony would also have been useful. Amy Bach of United Policyholders described worsening availability and affordability, driven by climate impacts, insurtech/risk scoring, inflation, and the growth of surplus lines coverage. She said the Sustainable Insurance Strategy is beginning to show progress, but the FAIR Plan remains too large and non-admitted carriers create concerns because they are less regulated and do not share FAIR Plan or guaranty fund obligations. She stressed that mitigation incentives, grants, and voluntary insurer rewards for wildfire-hardening are important, but that many households cannot afford the needed improvements. In response to questions, she said underinsurance remains a major problem, especially after recent fires, and suggested stronger insurer responsibility for replacement-cost estimates or broader replacement-cost endorsements. Actuary Nancy Watkins and Stanford’s Michael Wara argued that California must both reduce wildfire risk and allow actuarially sound pricing if it wants a healthier market. Watkins compared the market to a household with rising expenses and said the state needs a mitigation framework focused on the highest-risk communities, especially older neighborhoods and homes near the wildland-urban interface. Wara said premiums must roughly equal expected claims plus expenses, and that California is “burning down too many houses,” which drives both availability problems and higher rates. He highlighted the role of structure-to-structure spread, older housing stock, utility ignitions, and the need to focus on community hardening, not just vegetation management. Both speakers said mitigation should be targeted, science-based, and sustained rather than one-time or scattered. Frank Freebalt of Cal Poly and Michael Gullner of UC Berkeley continued the discussion on fire modeling and risk reduction. Freebalt said the problem is best understood as a structure ignition and urban conflagration problem, requiring integrated land-use, utility, and community mitigation, with evidence-based priorities and better analytics. He emphasized that the state should focus on the highest-risk intersections first and that targeted mitigation can multiply the effectiveness of suppression and evacuation resources. No votes or formal actions were taken; the hearing was informational and focused on testimony, questions, and policy discussion.

Transcript Highlights:

• safeguarding the people that we represent, although our tools have been programmed by some of the greatest
• And I can say, although they have some of the greatest minds programming these vehicles, these intelligent
• What generally are they?
• I am the second-generation owner of a family business.
• As you know today, when there's an automobile accident, one of the greatest expenses in the accident

Keywords: 995, all

Summary: The Joint Committee on Financial Services held a public hearing on a wide range of auto insurance and vehicle-related bills. Testimony focused heavily on autonomous vehicle regulation, auto insurance rating by ZIP code, rental car liability coverage, and surcharge thresholds for minor accidents. Representative Polito supported a bill to regulate autonomous vehicle testing and deployment, arguing for school-zone restrictions, slower speeds, a remote kill switch, and minimum insurance requirements to protect the public. Representative Mendez and Senator Payano testified for legislation to reduce racial and socioeconomic inequities in auto insurance pricing by limiting the weight insurers may place on territorial loss costs, while the Mass Insurance Federation and Consumer Federation of America offered opposing and supporting views, respectively, on the fairness and actuarial impact of geographic rating. The committee also heard support for a bill to remove inspection-sticker violations from license-point calculations, and for a bill to raise the damage threshold for insurance surcharges and minor/major accident classifications. A substantial portion of the hearing addressed House Bill 1301 on rental car liability. Enterprise Mobility, the American Car Rental Association, and a small Massachusetts rental company supported the bill, saying personal auto insurers should be primary when their insureds drive rental cars, that Massachusetts is an outlier compared with most other states, and that the change would reduce costs and simplify claims handling. The Mass Insurance Federation opposed the bill, arguing that current Massachusetts law already clearly makes the vehicle owner’s policy primary and that shifting liability would raise costs for private-passenger policyholders. Committee members asked detailed questions about how rental coverage works, whether premiums or rental rates would change, and how other states handle the issue. The committee also heard testimony on a bill to adjust surcharge rules for at-fault accidents, with sponsors arguing that repair costs and vehicle values have risen sharply and that the current thresholds are outdated. Members discussed how the point system affects drivers, whether the proposal should apply cumulatively or per incident, and how Carfax and out-of-pocket repairs factor into consumer costs. At the end of the hearing, the chair noted written testimony could still be submitted and, during a brief personal privilege, recorded support for two underinsurance bills, H. 1109 and S. 748. The committee then moved and seconded a motion to adjourn, and the hearing ended without any votes on the bills themselves.

Transcript Highlights:

• So when we met last time for the General Revenue Conference in August, we had data General Revenue Conference
• And then whatever is over and above that, they generate a return.
• So we subtracted those pandemic-related transfers into general revenue to generate an orange line, which
• So you'll see in the last several years the state general revenue... ...state general revenue growth
• In the slides that began update on general revenue, slide number three, where it says, Update on general

Summary: The Senate Committee on Finance and Tax met for its first meeting of the session, with a quorum present and several members excused. Chair Avila opened by framing the committee’s main focus as property tax relief and housing affordability, noting the complexity of any changes to Florida’s long-standing property tax structure and emphasizing the need to preserve funding for schools and local public safety. He also introduced new committee staff member Tamisha Black and thanked staff for summer work supporting analysis of potential proposals, including constitutional amendment concepts and other property tax relief ideas. Staff director Azar Khan then presented an update on the General Revenue forecast, explaining that collections remained above estimate but at a slower pace than the prior year, with recent economic indicators slightly weaker than earlier forecasts. He said the new forecast mostly reflected modest adjustments, with a notable share of the increase coming from earnings on investment rather than the usual drivers such as sales tax or corporate income tax. Khan also gave a detailed presentation on ad valorem millages, explaining the different millage types used by school districts, counties, municipalities, special districts, and water management districts; the rollback rate; TRIM notice and hearing timelines; voting thresholds for adopting higher millages; and long-term trends showing millage rates declining over time even as total taxes levied have increased. Members used the presentations to discuss property tax relief options and the relationship between local property taxes and state revenue. President Passidomo praised staff and Senator Bernard’s summer work on proposals. President Gaetz asked about converting homestead property tax revenue to sales tax and was told the rough equivalent could be around a 2.8-cent sales tax increase, though with important behavioral and distributional caveats. Senator Rouson asked about the decline in corporate income tax estimates, and Khan said it likely reflected changes in national corporate profit expectations and collection patterns, promising a follow-up. The Department of Revenue’s Lizette Kelly confirmed that TRIM data, including adopted millages, rollback rates, and maximum millage calculations, are collected by jurisdiction and can be provided to the committee. No bills were taken up and no votes occurred beyond adjournment, which was adopted by motion.

Transcript Highlights:

• While grant funding is targeted to specific LEAs, the grantees, the strategies and learning generated
• This work complements rather than replaces County Office of Education Tier 1 services and has generated
• Mayor, focusing on your LPI study, you know, you talk about how the greatest test score gains were at
• For the sake of California students and families, especially those facing the greatest barriers, it's
• It creates, generates resources in the community. And to your question earlier to you, Dr.

Summary: The joint informational and oversight hearing focused on community schools in California, with members emphasizing that the purpose was to examine effectiveness, implementation, and sustainability rather than the Governor’s budget proposal. The California Department of Education described the California Community Schools Partnership Program, created in 2021 and funded with more than $4 billion, including planning, implementation, extension, and county coordination grants. Officials said nearly 2,500 schools are participating and highlighted the statewide technical assistance structure, including the State Transformational Assistance Center, eight regional centers, county offices, and CDE support. Researchers from the Learning Policy Institute and UCLA presented early findings and implementation data. LPI reported reductions in chronic absenteeism and suspensions, along with gains in math and English language arts, with especially large benefits for Black students and other historically underserved groups. UCLA described the Annual Progress Report as a statewide improvement tool showing growth in capacity-building, shared decision-making, whole-child supports, and continuous improvement. Members asked about how the reports measure outcomes, how to interpret outliers, and how to distinguish community schools effects from other concurrent initiatives; presenters said matched comparison methods and deeper case-study work are being used, with additional statewide findings expected in June. Panelists from Oakland Unified, LAUSD/UTLA, San Diego Unified, and advocacy organizations described key elements of success: integrated student supports, strong family and student engagement, collaborative leadership, community partnerships, and school-site decision-making. They gave examples such as wellness centers, dual enrollment, student senates, parent leadership, and community campaigns that built trust and increased participation. Members also raised concerns about sustainability, implementation fidelity, and whether community schools improve participation in LCAP processes. Presenters said major barriers include unclear early guidance, the need for a mindset shift away from top-down models, and uncertainty about long-term funding for coordinators and other staff. The panel’s recommendations centered on stable ongoing funding, stronger technical assistance, shared governance, and embedding community schools practices into district and county systems.

Transcript Highlights:

• Next we will hear from Renee Carlson, General Counsel. the motans will not submit with silent the motans
• <00:06:58.879> Council<00:06:59.160> when<00:06:59.240> you're Carlson General
• Council when you're Carlson General Council when you're ready<00:06:59.720> if<00:06:59.800><
• I serve as general counsel for True North Legal.
• kill The Unborn as well of greatest kill The Unborn as well of greatest concern<00:14:08.000>

Keywords: 1183, house

Transcript Highlights:

• I was diagnosed with generalized anxiety before I entered middle school and struggled with depression
• anxiety before I entered generalized anxiety before I entered middle<00:26:15.840> school<00:
• think public education is the greatest think public education is the greatest example<01:13:49.280
• If there were an excess in that amount, that would cancel to the general fund.
• I generally talk about outside groups, the paid folks.

Bills: HF56, HF780

Keywords: HF56, Minnesota bonding bill, capital investment, state bonds, bond proceeds fund, Hutchinson Area Transportation Services, Hutchinson, McLeod County, transportation facility, vehicle storage, equipment storage, fueling facility, temperate storage, local infrastructure, public works, general obligation bonds, education finance, school funding, state aid, appropriations

Transcript Highlights:

• So they generally don't have an entrance-fee product that they offer.
• So they generally don't have an entrance-fee product that they offer.
• And bankruptcy judges generally do the same thing.
• If the CCRC becomes stable, then ultimately it's generally residents are generally protected if things
• And ultimately, residents are generally protected if things fall apart.

Keywords: 995, all

Summary: The commission met at Brookhaven at Lexington to continue discussing continuing care retirement communities (CCRCs), with a focus on financial viability, entrance fees, refund policies, and how the industry is evolving. Speakers explained that nonprofit CCRCs have shifted away from building entirely new campuses since the 2008 financial crisis, and now more often grow through expansions, affiliations, mergers, or added home- and community-based services. They also noted that many newer CCRCs, especially nationwide, are being built without on-campus skilled nursing, relying instead on assisted living, memory care, or off-site arrangements, and that zoning and local approval can affect expansion plans. A substantial portion of the discussion centered on financial health and consumer protection. Panelists said the most important indicators of a strong CCRC are high occupancy, strong liquidity, and reinvestment in the property, with low occupancy and declining days cash on hand cited as warning signs. They described how actuarial reviews are used to estimate health care utilization and set pricing, and said staffing shortages are often a bigger financial pressure than resident care utilization itself. On refunds, speakers said entrance-fee refunds are generally paid when a unit is resold and the new entrance fee is received, and that resident refunds are usually protected even in bankruptcy, though residents are unsecured creditors. Massachusetts examples such as Reed’s Landing and the Groves were cited as cases where residents remained in place and refunds were ultimately protected. The group also discussed a pending disclosure bill on Beacon Hill related to entrance fees and refund transparency. LeadingAge Massachusetts said it supports clearer disclosure so residents understand refund provisions, and reported that among surveyed member CCRCs, the average time to provide an entrance-fee refund over the past two years was about 117 days. Participants emphasized the need to balance consumer protection with preserving the financial stability of the communities. The commission also reviewed upcoming dates: a virtual public hearing/listening session on June 16, the next commission meeting on June 23, and a later discussion planned on consumer rights, protections, and advertising practices. The meeting concluded with introductions of commission members and an invitation for attendees to tour the Brookhaven campus.

Transcript Highlights:

• My questions are more general.
• Concentrations are greatest in alluvial groundwater.
• Historical discharges to the generating station from the generating station to Westwater Arroyo are documented
• The generating station does operate two recovery trenches.
• So you can see that this has our greatest—we see our greatest concentrations. right here.

Transcript Highlights:

• value to the provides the greatest value to the Commonwealth.
• She has five or six projects in that general portfolio. We can't.
• <00:37:11.040> So,<00:37:11.440> she general portfolio. We can't.
• So, she general portfolio. We can't.
• So, all of our projects, the general rule for projects in our office is 10% contingency.

Keywords: 958, all

Summary: The Budget Review Subcommittee on Economic Development, Tourism, and Energy and Environmental Protection met at 9:00 a.m., approved the June 3 minutes, and heard a presentation from the Department of Parks and the Finance Cabinet on Kentucky State Parks capital projects. Commissioner Mark Keelin and Scott Baker described the scope of the state parks system, the ongoing coordination with DECA/Finance Cabinet, and the status of projects funded through House Joint Resolution 76, House Bill 553, House Joint Resolution 56, and House Bill 6. They said 36 of 44 state parks have received renovations or upgrades, with 66 projects completed and 17 under construction, and outlined work on campgrounds, utilities, wastewater systems, broadband, building systems, safety upgrades, ADA improvements, pools, golf courses, marinas, and lodge accommodations. The presenters highlighted several completed or active projects, including campground upgrades at Carter Caves, Ken Lake, and My Old Kentucky Home; utility and grid-resilience work at parks such as Kentucky Dam Village and Kincaid Lake; wastewater projects at parks including E.P. Tom Sawyer, Carter Caves, Dale Hollow, and Blue Licks Battlefield; and building and hospitality renovations at parks such as Lake Barkley, Baron River, and Cumberland Falls. They also noted completed playground upgrades, lock system replacements, beach refurbishment, and golf course improvements, and said the parks system is managing additional internal projects beyond those discussed. The department emphasized that parks often serve as sheltering locations during disasters and that infrastructure replacement is a high priority. Scott Baker then explained DECA’s role in managing the Commonwealth’s capital construction program, saying it oversees about 1,300 active projects across 28 cabinets and agencies, including 149 parks projects. He described DECA’s team-based approach, with dedicated project managers and field staff assigned to parks, and said monthly status meetings and more frequent check-ins are used to keep projects moving. In response to committee questions, Keelin and Baker said projects are assigned to DECA based mainly on the need for architectural or engineering services, while smaller or less complex work can be handled in-house by parks staff or the P11 construction crew. No votes were taken beyond approving the minutes.

Transcript Highlights:

• So essentially CYFD has operating money in FY 27, though the Office of the Attorney General does not.
• the Attorney General weaponized the Attorney General.
• The Attorney General never came to me as chair of the judiciary and said, I want this. Authority.
• Never once did the Attorney general come and say, I want this.
• Uh, crime in general is still a huge issue. And also court security.

Transcript Highlights:

• greater stability, particularly for children and families with lower incomes, where the impact is greatest
• greater stability, particularly for children and families with lower incomes, where the impact is greatest
• greater stability, particularly for children and families with lower incomes, where the impact is greatest
• look to those with the greatest look to those with the greatest resources<00:28:26.159> to
• House File 4123 and 4616 are a step forward in generating meaningful revenue needed to support state

Bills: HF4621, HF4123, HF4616, HF1183

Keywords: child tax credit, financial assistance, low-income families, state revenue, tax policy, net investment income, taxation, business income, self-employment, tax increase, wealth tax, fairness, public services, high-income earners, economic equity, Internal Revenue Code, employee classification, federal law, Minnesota statutes, 1183

Transcript Highlights:

• Revenue in over lands haven't generated Revenue in over 60<00:09:13.240> years<00:09:14.240><
• <00:16:01.480> long-term school to secure the greatest long-term school to secure the greatest
• revenue for the permanent generate revenue for the permanent School<00:19:06.559> fund<00:19:
• fund where they would generate fund where they would generate investment<00:19:13.840> returns
• <00:39:20.280> Revenue that's supposed to generate Revenue that's supposed to generate Revenue

Keywords: 919, house, all

Summary: The committee took up HF 1425, which would prohibit the sale of state-owned school trust lands in the Boundary Waters Canoe Area Wilderness to the federal government and instead require a land trade. Representative Skraba argued the federal wilderness law requires an exchange, not a sale, and said the state should trade Boundary Waters school trust lands for federal lands elsewhere, citing potential benefits for logging, mining, and school trust revenue. He said the current proposed sale price was too low and moved to lay the bill over for possible inclusion in a future bill. Later, he withdrew a DE1 amendment and instead moved to re-refer the bill to the Education Finance Committee, but that motion failed. Testimony was largely opposed to the bill. Aaron Vandal of the Office of School Trust Lands said the exchange option was no longer viable, that the lands have produced no revenue for education for decades, and that selling them is the trust’s last opportunity to generate returns for schoolchildren. Bob Meyer of the DNR supported Vandal’s position and said the agency could not negotiate mineral rights in the way suggested. Aon Clems of the Minnesota Center for Environmental Advocacy and Amanda Hefner of Save the Boundary Waters both opposed HF 1425, though they emphasized different reasons: Clems argued a sale best fulfills the state’s fiduciary duty to maximize long-term returns for education, while Hefner said a sale would harm public education funding, align with the trust’s original purpose, and help consolidate federal ownership in the wilderness. Members then questioned the valuation and the practical differences between a sale and an exchange. Representative Jacob challenged the low per-acre price and asked about the federal government’s set-aside amount, while Representative Fischer asked how the appraisal was determined. DNR lands and minerals director Joe Henderson explained the valuation came from an independent appraiser, was based on the wilderness restrictions and lack of development potential, and was from a 2020 appraisal that is now being updated. Representative Schultz supported the sale approach and said the state should not transfer the land at such a low price. The committee did not advance the bill to the Education Finance Committee.

Transcript Highlights:

• We pray for those who persevered through generations of xenophobia, racism, bias, and violence to contribute
• Most recently, she served as the chief deputy director of the Department of General Services from 2021
• At the same time, AAPI Heritage Month reminds us that diversity is one of America's greatest strengths
• And then in the more recent two generations, three generations, as refugees that we have welcomed into
• But more importantly, we share a history of contributions to this country for generations.

Keywords: 987, senate, all

Summary: The Senate met with a quorum, approved the journals, and took up several gubernatorial appointments. Senators confirmed Clint Kellum as Director of the Cannabis Control Department, Jennifer Osborne as Director of the Department of Industrial Relations, Dr. Trinidad Solis and Dr. Gerald Tolbrook to the Medical Board of California, with roll-call votes showing broad support. The chamber also adopted a request to remove SB 830 from the inactive file for return to the Assembly. A major portion of the session was devoted to Senate Resolution 97, recognizing May as Asian and Pacific Islander American Heritage Month. Senators from multiple caucuses spoke in support, highlighting AAPI contributions to California, histories of exclusion and discrimination, solidarity with other communities, and the importance of visibility and representation. The resolution was adopted 39-0. The Senate also recognized numerous AAPI community honorees and guests, including leaders in advocacy, education, business, and public service. Members then adopted several awareness resolutions: SCR 168 designating May as Motorcycle Safety Awareness Month, SCR 148 declaring May 23, 2026 as GM1 gangliosidosis awareness day, SR 95 proclaiming May as ALS Awareness Month, SCR 156 recognizing Stroke Awareness Month, and SR 110 marking National Hospital Week in California. Each measure was supported by personal testimony or remarks from members and guests, often tied to lived experience or advocacy work, and each passed unanimously or by unanimous consent. The Senate also honored retiring California Professional Firefighters president Brian Rice and heard additional floor recognitions before adjourning until May 14, 2026.

Transcript Highlights:

• First of all, we're gonna go to tab 2 committee Major General John Haas, Gen General Florida with a department
• You can only recruit to the number of recruiters you have generally.
• Thank you mentioned Major general. >> This was a great presentation.
• Thank you, major general for being >> Thank you, chairman. Thank you, major general for being here.
• In this case, Major General Hartsell and the adjutant General General Haas, who is just year.

Keywords: 999, senate, all

Transcript Highlights:

• And I have a general statement that we read before every hearing.
• I was a first generation student.
• The way schools are funded, when we generate the revenue, those students that are generating the revenue
• One's a general fund loan, one moved from a general fund loan to an iBank loan consistent with statute
• The first is through the general fund, and in almost all cases, it's initially done through the general

Keywords: 988, house, all