Video & Transcript Research : 'construction financing'
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OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 12th, 2026 at 09:30 am
Business and Insurance
Transcript Highlights:
- This is a long time coming work by the Construction Industries Board and their chairman to update their
- This extends the sunset for the construction industries board to 2031.
- When I first learned about this issue, we were in construction, and I kind of equated it to my plumber
- Is that the construct we currently have in the dental insurance community?
Bills:
SB1732, SB1217, SB1443, SB1455, SB1457, SB1459, SB1465, SB1944, SB1946, SB1218, SB1942, SB1352, SB2132, SB1920, SB1285, SB1304, SB1305, SB1326, SB1590, SB1767
Keywords:
professional licensing, licensing fees, home inspection, home inspector, Construction Industries Board, CIB, contractor license, journeyman license, apprentice registration, alarm endorsement, code inspector, electrical license, plumbing license, mechanical license, permit fees, renewal fee, reciprocity, poultry house contractor, poultry house wiring, environmentally controlled poultry house
NE
Nebraska 2025-2026 Regular Session
Legislative Morning Session Apr 9th, 2026
Nebraska Unicameral Floor Meeting
Transcript Highlights:
- The bill is an act relating to finance and reimbursement funds, with references to victims and financial
- A city that received grant assistance under the Sports Arena Facility Financing Act shall not receive
- assistance under the Civic and Community Center Financing Act for the same project.
- state assistance under the Civic and Community Center Financing Act for the same project.
- They also pay for things like road construction, park maintenance, and street repair.
Bills:
LB737, LB753, LB788, LB913, LB1055, LB1195, LB1216, LB1256, LB429, LB721, LB722, LB727, LB743, LB745, LB749, LB778, LB787, LB365A, LB823, LB900, LB903, LB940, LB954, LB1127, LB1127A, LB1205, LB1240, LR293, LR296, LR422, LR505, LR507
Keywords:
LB737, Olmstead, developmental disabilities, disability services, community-based services, integrated settings, DHHS, Department of Health and Human Services, stakeholder advisory committee, independent consultant, public hearing, legislative oversight, disability rights, community integration, housing, employment, education, transportation, community supports, self-advocacy
NE
Nebraska 2025-2026 Regular Session
Legislative Afternoon Session Apr 9th, 2026
Nebraska Unicameral Floor Meeting
Transcript Highlights:
- Act in the Uniform State Tax Lien Registration Enforcement Act, Central Filing System, effective financing
- 13-2705, Revised Statutes of Nebraska, sections 19-201, 19-202, 19-204, revised Community Center Financing
Bills:
LB737, LB753, LB788, LB913, LB1055, LB1195, LB1216, LB1256, LB429, LB721, LB722, LB727, LB743, LB745, LB749, LB778, LB787, LB365A, LB823, LB900, LB903, LB940, LB954, LB1127, LB1127A, LB1205, LB1240, LR293, LR296, LR422, LR505, LR507
Keywords:
LB737, Olmstead, developmental disabilities, disability services, community-based services, integrated settings, DHHS, Department of Health and Human Services, stakeholder advisory committee, independent consultant, public hearing, legislative oversight, disability rights, community integration, housing, employment, education, transportation, community supports, self-advocacy
HI
Hawaii 2026 Regular Session
House Chamber - Fri Mar 20, 2026, 12:00PM HST - Day 31
Hawaii House Floor Meeting
Transcript Highlights:
- During the competition, students are tested on their knowledge of personal finance, consumer rights and
- on page 19 and that the accompanying House Concurrent Resolution be referred to the Committee on Finance
Bills:
HR204, SB2925, SB2798, SB2320, SB2800, SB1230, SB2706, SB3233, SB2405, SB3320, SB2543, SB3097, SB3096, SB3140, SB2593, SB2567, SB2466, SB2140, SB2088, SB3090, SB608, SB2795, SB3294, SB3263, SB3001, SB2907, SB3251, SB2074, SB2360, SB2354, SB2908, SB2353, SB3045, SB2047, SB3254, SB3246, SB3133, SB2425, SB2671, SB3229, SB2969, SB1166, SB896, SB2391, SB2125, SB3118, SB3325, SB2613, SB2614, SB494, SB2376, SB3326, SB2001, SB2599, SB3048, SB3169, SB2002, SB3247, SB3253, SB2155, SB2192, SB3187, SB2190, SB2398, SB2424, SB3028, SB2338, SB3219, SB2981, HCR14
Keywords:
H.R. 204, House Resolution, Hawaii LifeSmarts, LifeSmarts State Competition, student competition, academic recognition, congratulatory resolution, Iolani School, Kalani High School, Waipahu High School, personal finance, consumer rights, health and safety, technology education, environmental education, National Consumers League, Department of Commerce and Consumer Affairs, Hawaii Credit Union League, youth achievement, high school teams
HI
Hawaii 2026 Regular Session
House Chamber - Thu Mar 19, 2026, 12:00PM HST - Day 30
Hawaii House Floor Meeting
Bills:
HR204, SB2925, SB2798, SB2320, SB2800, SB1230, SB2706, SB3233, SB2405, SB3320, SB2543, SB3097, SB3096, SB3140, SB2593, SB2567, SB2466, SB2140, SB2088, SB3090, SB608, SB2795, SB3294, SB3263, SB3001, SB2907, SB3251, SB2074, SB2360, SB2354, SB2908, SB2353, SB3045, SB2047, SB3254, SB3246, SB3133, SB2425, SB2671, SB3229, SB2969, SB1166, SB896, SB2391, SB2125, SB3118, SB3325, SB2613, SB2614, SB494, SB2376, SB3326, SB2001, SB2599, SB3048, SB3169, SB2002, SB3247, SB3253, SB2155, SB2192, SB3187, SB2190, SB2398, SB2424, SB3028, SB2338, SB3219, SB2981, HCR14
Keywords:
H.R. 204, House Resolution, Hawaii LifeSmarts, LifeSmarts State Competition, student competition, academic recognition, congratulatory resolution, Iolani School, Kalani High School, Waipahu High School, personal finance, consumer rights, health and safety, technology education, environmental education, National Consumers League, Department of Commerce and Consumer Affairs, Hawaii Credit Union League, youth achievement, high school teams
AL
Bills:
HB426, SB24, SB106, SB254, HB505, HB458, HB535, HB509, HB320, HB518, HB261, HB426, SB24, SB106, SB254, HB505, HB458, HB535, HB509, HB320, HB518, HB261, SB316, HB228, SB318, SB260, HB132, HB347, HB405, HB86, HB263, HB302, SB336
Keywords:
Alabama Ad Valorem Advisory Committee, ad valorem taxes, property tax, real property, personal property, tax assessment, tax collection, county tax officials, Department of Revenue, Commissioner of Revenue, taxpayer representation, resident taxpayers, local government, property tax administration, Association of Alabama Tax Administrators, tax policy, advisory committee, public input, governance reform, body-worn camera
FL
Transcript Highlights:
- Representative Altman has championed this issue when he was at Finance and Tax.
- We know construction is a big part of it; we know agriculture is a big part of it, but it is tourism
- I became a representative not just to think about myself and my finances.
- This amendment removes licensing boards such as the Construction Industry Licensing Board, Harbor Pilots
- But I get it: you need the finances; you've got to work, work as many hours as you can.
Bills:
HB 118, HB 388, HB 114, HB 205, HB 2789, HB 2791, HB 499, HB 2960, HB 3163, HB 3135, HB 2427, HB 1618, HB 1672, HB 1722, HB 1338, HB 787, HB 2618, HB 879, HB 1126, HB 4134, HB 3513, HB 718, HB 1536, HB 1445, HB 1640, HB 1893, HB 1734, HB 3229, HB 3306, HB 1276, HB 3272, HB 3276, HB 3516, HB 4145, HB 1585, HB 4810, HB 2989, HB 2558, HB 3014, HB 2742, HB 1695, HB 29, HB 125, HB 145, HB 171, HB 255, HB 50, HB 363, HB 116, HB 491, HB 1495, HB 368, HB 1285, HB 1905, HB 2002, HB 917, HB 2723, HB 2067, HB 1238, HB 745, HB 1188, HB 1606, HB 2003, HB 2147, HB 2355, HB 2546, HB 2495, HB 2818, HB 2249, HB 3228, HB 3240, HB 1507, HB 658, HB 1748, HB 1851, HB 1922, HB 2798, HB 107, HB 1587, HB 3684, HB 118, HB 388, HB 114, HB 205, HB 2789, HB 2791, HB 499, HB 2960, HB 3163, HB 3135, HB 2427, HB 1618, HB 1672, HB 1722, HB 1338, HB 787, HB 2618, HB 879, HB 1126, HB 4134, HB 3513, HB 718, HB 1536, HB 1445, HB 1640, HB 1893, HB 1734, HB 3229, HB 3306, HB 1276, HB 3272, HB 3276, HB 3516, HB 4145, HB 1585, HB 4810, HB 2989, HB 2558, HB 3014, HB 2742, HB 1695, HB 609, HB 630, HB 420, HB 767, HB 1708, HB 1404, HB 2457, HB 140, HB 227, HB 913, HB 2198, HB 2763, HB 1261, HB 1135, HB 1318, HB 2358, HB 2765, HB 2735, HB 3307, HB 1242, HB 2842, HB 333, HB 201, HB 694, HB 2415, HB 155, HB 272, HB 405, HB 519, HB 1136, HB 1275, HB 1437, HB 1532, HB 1675, HB 1868, HB 1888, HB 1990, HB 2286, HB 2523, HB 3129, HB 3251, HB 3354, HB 3479, HB 3803, HB 3804, HB 3805, HB 3806, HB 3887, HB 4163, HB 4238, HB 1240, HB 1842, HB 2029, HB 2622, HB 3255, HB 654, HB 4643, HB 4945, HB 3611, HB 3724, HB 3623, HB 3810, HB 4127, HCR 78, HCR 12, SB 767
Keywords:
HB 388, HB388, coordination of benefits, COB questionnaire, health benefit plan, health insurance, insurance commissioner, Texas Department of Insurance, uniform form, primary payer, secondary payer, multiple coverage, dual coverage, Medicaid, CHIP, managed care, HMO, small employer health plan, school district health coverage, self-funded plan
TX
Transcript Highlights:
- HB 1922 by Dean relating to the accrual of a cause of action for purpose governing certain construction
Bills:
HB 118, HB388, HB 114, HB205, HB2789, HB2791, HB499, HB2960, HB3163, HB3135, HB2427, HB1618, HB1672, HB1722, HB1338, HB787, HB2618, HB879, HB 1126, HB4134, HB3513, HB718, HB1536, HB1445, HB1640, HB1893, HB1734, HB3229, HB3306, HB 1276, HB3272, HB3276, HB3516, HB4145, HB1585, HB4810, HB2989, HB2558, HB3014, HB2742, HB1695, HB29, HB 125, HB145, HB171, HB255, HB50, HB363, HB 116, HB491, HB1495, HB368, HB 1285, HB1905, HB2002, HB917, HB2723, HB2067, HB 1238, HB745, HB 1188, HB1606, HB2003, HB2147, HB2355, HB2546, HB2495, HB2818, HB2249, HB3228, HB3240, HB1507, HB658, HB1748, HB1851, HB1922, HB2798, HB 107, HB1587, HB3684, HB 118, HB388, HB 114, HB205, HB2789, HB2791, HB499, HB2960, HB3163, HB3135, HB2427, HB1618, HB1672, HB1722, HB1338, HB787, HB2618, HB879, HB 1126, HB4134, HB3513, HB718, HB1536, HB1445, HB1640, HB1893, HB1734, HB3229, HB3306, HB 1276, HB3272, HB3276, HB3516, HB4145, HB1585, HB4810, HB2989, HB2558, HB3014, HB2742, HB1695, HB609, HB630, HB420, HB767, HB1708, HB1404, HB2457, HB140, HB227, HB913, HB2198, HB2763, HB 1261, HB 1135, HB1318, HB2358, HB2765, HB2735, HB3307, HB 1242, HB2842, HB333, HB201, HB694, HB2415, HB155, HB272, HB405, HB519, HB 1136, HB 1275, HB1437, HB1532, HB1675, HB1868, HB1888, HB1990, HB2286, HB2523, HB3129, HB3251, HB3354, HB3479, HB3803, HB3804, HB3805, HB3806, HB3887, HB4163, HB4238, HB 1240, HB1842, HB2029, HB2622, HB3255, HB654, HB4643, HB4945, HB3611, HB3724, HB3623, HB3810, HB4127, HCR78, HCR12, SB767
Keywords:
HB 388, HB388, coordination of benefits, COB questionnaire, health benefit plan, health insurance, insurance commissioner, Texas Department of Insurance, uniform form, primary payer, secondary payer, multiple coverage, dual coverage, Medicaid, CHIP, managed care, HMO, small employer health plan, school district health coverage, self-funded plan
HI
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
MN
Transcript Highlights:
- Planning is underway, and construction is anticipated in 2027 with completion in 2028.
- The mill was constructed on its site to take advantage of the waterfall on Big Trout Creek.
- And we're here to seek support for HF 4091 for project construction.
- <01:03:06.360>
Once <01:03:06.680>procured, for project construction. - Once procured, for project construction.
Bills:
HF4156, HF3835, HF3995, HF4383, HF4091, HF4084, HF4311, HF198, HF4486, HF4302, HF4309, HF4032, HF3855, HF3673, HF4265, HF4012, HF4339, HF4298, HF3852
Keywords:
infrastructure, wastewater, stormwater, Buhl, state bonds, appropriations, economic development, water infrastructure, grants, capital investment, funding, state regulation, Frazee, North River Drive, infrastructure improvements, HF4383, Minnesota capital investment, bonding bill, Department of Natural Resources, DNR
NV
Transcript Highlights:
- Welcome to Senate Finance. Sorry for the delayed start.
- We are back in finance. Good afternoon. We are back in Finance.
- Finance. My name is Steve Yeager.
- Finance. My name is Steve Yeager.
- Glad to have you in Finance.
Bills:
AB102, AB108, AB117, AB213, AB220, AB221, AB251, AB259, AB331, AB336, AB375, AB379, AB409, AB475, AB476, AB550, AB575, AB594, SB466
Keywords:
emergency medical services, ambulance, licensing, health district, paramedic, training requirements, outdoor education, recreation, grant program, environment, funding, special license plates, vehicle registration, custom plates, state revenue, transportation, public works, prevailing wage, custom fabrication, nonstandard materials
TX
Transcript Highlights:
- Very constructive. So I would hope for your favorable consideration, and with that, Mr.
- Large construction contracts sometimes include third-party liability clauses.
- If it was a construction zone, they're going to say, "Hey, wait a minute.
- Let's say that you're stopped and you're in a construction zone, okay?
- And the construction company is going to pay that extra part. Does that make sense?
Bills:
HB4011, HB2680, HB4325, HB4327, HB4944, HB1761, HB4688, HB3453, HB40, HB1707, HB4749, HB2322, HB3647, HB4139, HB4081, HB2203, HB2100, HB4170, HB3104, HB4623, HB40
Keywords:
partition, heirs' property, real estate, co-ownership, family property, non-heir cotenant, right of first refusal, pilot services, liability limitation, maritime commerce, Matagorda Bay, Lavaca Bay, transportation code, maritime industry, civil liability, barratry, penalties, legal actions, damages, wrongful death
TX
Bills:
HB4011, HB2680, HB4325, HB4327, HB4944, HB1761, HB4688, HB3453, HB40, HB1707, HB4749, HB2322, HB3647, HB4139, HB4081, HB2203, HB2100, HB4170, HB3104, HB4623, HB40
Keywords:
partition, heirs' property, real estate, co-ownership, family property, non-heir cotenant, right of first refusal, pilot services, liability limitation, maritime commerce, Matagorda Bay, Lavaca Bay, transportation code, maritime industry, civil liability, barratry, penalties, legal actions, damages, wrongful death
TX
Transcript Highlights:
- term, it would strain the utility's ability to ensure that it has a healthy balance sheet and can finance
- Chairman, with state agencies on finance, and Senator Creighton, you are so good on education.
- Sovereign debt refers to money that a country's government borrows to finance its spending beyond its
- By allowing SECO to move forward, it will assure that new construction will be more efficient, safe,
- Again, this would only apply to future construction going forward. Right?
Bills:
SB483, SB522, SB783, SB1239, SB1254, SB1255, SB1259, SB1341, SB1664, SB1762, SB1856, SB1877, SB1977
Keywords:
utility, proprietary information, customer data, data protection, electric service, customer information, emergency communication, electric utility, privacy, certification, public accountants, interstate licensing, accounting, regulatory amendment, energy efficiency, construction regulations, building codes, Texas, sustainability, cost-effectiveness
TX
Transcript Highlights:
- When you look at about 7% to 8%, the cost of financing between the time the permit is drawn and the fee
- Now, when you roll that into a mortgage and say it's 6% over 30 years, the cost of financing greatly
- When it comes down to financing a project, project predictability is project success and the ability
- So when you're trying to finance it, And the ability to deliver those needed homes.
- years in advance, maybe even 10 years or longer, you're looking to finance this and move it through.
Keywords:
ad valorem taxation, tax exemption, franchise tax credit, income production, personal property, SB 464, school buffer zone, tobacco retailer, vape shop, e-cigarette, vaping, nicotine, tobacco products, retail permit, comptroller, Class A misdemeanor, school proximity, youth access, public school, private school
Summary:
The Senate Local Government Committee heard several bills by Senator Bettencourt focused on property tax and local government accountability. SB 32 would provide about $700 million in business tax relief by raising the business personal property exemption from $2,500 to $25,000 and continuing a 20% franchise tax credit for inventory taxes paid. Witnesses from NFIB, the Texas Retailers Association, and Texas Realtors supported the bill, saying business personal property and inventory taxes are burdensome and especially hard on small businesses. After no opposition testimony, SB 32 was left pending.
The committee also heard SB 1453, which would change how interest and sinking tax rates are calculated by using only the minimum debt service required under bond schedules, while still allowing a higher rate with a 60% governing body vote and a public explanation. A witness from the Texas Taxpayers and Research Association supported the bill as a way to keep debt rates from rising as property values increase and to preserve tax relief. The bill was left pending after testimony.
SB 1883 would tighten rules on local impact fees by requiring 60 days of public availability for capital improvement plans and land use assumptions, raising the approval threshold for adopting impact fees from a simple majority to two-thirds, limiting how often fees can be increased, and expanding notice requirements. Builders and developers testified in support, arguing that impact fees are often poorly reviewed, lack accountability, and are passed on to homebuyers, worsening housing affordability. Committee members discussed adding audit provisions and questioned the lack of city testimony. The bill was left pending with subcommittee action. SB 1452 would require a voter election to decide whether a municipal management district continues to exist, with dissolution if voters reject it; supporters said it would add accountability, while others noted some districts provide essential services and infrastructure. The committee heard testimony from district representatives and builders, then left SB 1452 pending before recessing.
TX
Transcript Highlights:
- This is for a more timely response to those local issues that come up like road construction.
- amount of money is occasionally and almost regularly directed to counties, specifically with large financing
Bills:
SB 32, SB 464, SB 996, SB 1163, SB 1173, SB 1277, SB 1452, SB 1453, SB 1548, SB 1882, SB 1883, SB 2016
Keywords:
ad valorem taxation, tax exemption, franchise tax credit, income production, personal property, SB 464, school buffer zone, tobacco retailer, vape shop, e-cigarette, vaping, nicotine, tobacco products, retail permit, comptroller, Class A misdemeanor, school proximity, youth access, public school, private school
AL
Alabama 2026 1st Special Session
Alabama Senate County and Municipal Government Committee Mar 3rd, 2026
County and Municipal Government
Keywords:
vaccination, parental consent, minors, medical consent, guardian approval, income tax, research expenditures, economic development, tax deductions, Tax Cuts and Jobs Act, Alabama tax law, sheriff, credit card, debit card, financial procedures, Jackson County, purchasing authority, HB17, Alabama Squat Truck Law, squat truck
HI
Keywords:
time share, registration, renewal, consumer protection, real estate, SB2170, North Kohala, Kynnersly East Site, Agribusiness Development Corporation, ADC, general obligation bonds, GO bonds, agricultural development, land acquisition, fee simple, Hawaii Island, Big Island, rural development, food security, sustainable agriculture
Summary:
The joint House Committee on Tourism and House Committee on Agriculture and Food Systems heard House Bill 2585 on agricultural tourism. The bill would create statewide uniform standards for agritourism in counties that adopt such ordinances, require registration with county planning departments, and require agritourism to remain secondary and accessory to farming. The Department of Agriculture and Biosecurity supported the measure but recommended amendments to make the language more consistent and to ensure agritourism remains tied to agricultural activity; the Hawaii Farm Bureau also supported the bill with the same general guardrails, while the White Tourism Authority offered comments. A member raised concerns about a trailer/roadside-stand provision, and the department ultimately said it did not support that specific language. The chairs then recommended passage with amendments, including a definition of principal farm operations, clarification that agritourism must not interfere with on-farm operations, revised termination rules after 60 consecutive days without active production with notice and cure procedures, restoration of the department’s proposed change to the trailer language, and technical corrections. HB 2585 passed both committees unanimously with excused members noted.
The committees then heard House Bill 2602 on sustainable tourism infrastructure, which would establish a matching grant program in the Department of Business, Economic Development and Tourism for capital projects that improve sustainability and climate resilience in the visitor industry. The Chamber of Commerce Hawaii testified in support. The chair recommended passage with a committee report note estimating a roughly $5 million cost and a date correction, and both committees adopted the recommendation unanimously.
House Bill 1948 on single-use plastics was also heard. It would prohibit lodging establishments from providing certain personal care products in small plastic containers and impose civil penalties. The Department of Land and Natural Resources stood on its testimony, and the Department of Health supported the waste-reduction goal but suggested the language belonged in a different chapter. The chair recommended an HD1 that would omit lotions from the definition of personal care products, adopt the Department of Health’s proposed clarification about reusable containers, and correct the date; the measure passed both committees unanimously.
Finally, House Bill 1960 on human trafficking was heard. The bill would require the Attorney General to develop human trafficking awareness training for transit accommodation workers, require employers to provide training, keep records, post signage, adopt prevention policies, and report suspected trafficking, with penalties and rulemaking by the Department of Labor and Industrial Relations. The Department of Labor Relations supported the intent but said the Department of Law Enforcement should be the lead agency, and the Hawaii Hotel Alliance strongly supported the bill while asking for amendments to recognize existing industry programs and apply the requirements equitably. The chair recommended an HD1 incorporating a July 1, 2027 deadline for training materials and employer training, adopting the hotel industry and DLE-related amendments, and making technical corrections; HB 1960 passed both committees unanimously.
TX
Transcript Highlights:
- districts are going to be really responsible for a lot of employees, uh, a lot of contracts, a lot of construction
- Uh, it's, it's really been related to construction and issues and challenges in the district that they've
Keywords:
HB 279, uranium mining, uranium permit, production area authorization, production zone, Texas Water Code, TCEQ, Texas Commission on Environmental Quality, contested case hearing, administrative hearing, groundwater restoration, groundwater baseline, water quality, mining permit, restoration values, natural resources, environmental regulation, in-situ uranium mining, permit amendment, public hearing
TX
Transcript Highlights:
- including rural water districts that contain thousands of homes. with thousands more currently under construction
- We had construction that made our fountains spray mud. We didn't like that.
Keywords:
HB 279, uranium mining, uranium permit, production area authorization, production zone, Texas Water Code, TCEQ, Texas Commission on Environmental Quality, contested case hearing, administrative hearing, groundwater restoration, groundwater baseline, water quality, mining permit, restoration values, natural resources, environmental regulation, in-situ uranium mining, permit amendment, public hearing