Video & Transcript : 'vulnerabilities' :
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US
US Federal 2025-2026 Regular Session
A joint hearing with the House Committee on Small Business to examine prosperity on Main Street, focusing on keeping taxes low for small businesses. Apr 8th, 2025 at 09:00 am
Small Business and Entrepreneurship Committee
Transcript Highlights:
- At this moment of vulnerability, we need a tax code that provides stability and supports our success.
Keywords:
joint hearing, small business, Tax Cuts and Jobs Act, economic recovery, tax relief, job creation
Summary:
In this joint hearing of the House Committee on Small Business and the Senate Committee on Small Business and Entrepreneurship, the primary focus was on the importance of making the Tax Cuts and Jobs Act of 2017 (TCJA) permanent. The chair emphasized that small businesses are crucial for the nation's economic recovery, especially in the wake of current federal policies perceived as detrimental. Witnesses shared their experiences and highlighted how the tax cuts facilitated job creation and business expansion, stressing the need for continued support through ongoing tax relief measures. The meeting included discussions about the economic implications of the TCJA's potential expiration, with members voicing their concerns regarding how this could impact small businesses and the broader economy.
CA
California 2025-2026 Regular Session
Assembly Environmental Safety and Toxic Materials Committee Apr 8th, 2025
Transcript Highlights:
- eliminated, leaving millions of Californians, particularly women, pregnant mothers, and their children vulnerable
Summary:
The committee heard several environmental and consumer-safety bills. AB 405, the Fashion Act, would require fashion companies to disclose and manage toxic chemicals in their supply chains; supporters said it would reduce worker and consumer exposure and align with existing industry frameworks, while retailers and business groups argued it would duplicate existing laws and raise costs. After questions about DTSC workload, international standards, and affordability, the bill was moved on a due-pass-as-amended motion to Natural Resources and held on call with three votes. AB 762 would ban the sale and distribution of disposable vape devices; supporters emphasized battery-fire risks, recycling contamination, and waste impacts, while cannabis and convenience-store interests warned it would push consumers to illicit markets and harm legal businesses. The bill passed on a due-pass motion to Business and Professions with three votes and was held on call.
The committee also adopted the consent calendar with six votes. AB 794 would direct California to keep in place the federal PFAS drinking-water standard if federal protections are weakened, with supporters citing health risks and the need for certainty, and water agencies opposing the emergency-rulemaking authority and potential costs. Members debated whether the bill was too broad and whether federal funds would cover implementation; the bill passed on a due-pass-as-amended motion to Appropriations with four votes and was held open. AB 1148, the Safer Food Packaging Act, would restrict certain chemicals in food packaging; supporters cited cancer and reproductive-health concerns, while chemical, beverage, and manufacturing groups argued the bill should go through existing regulatory processes and that some chemicals lacked feasible alternatives. The author said she would remove antimony trioxide later in the process after hearing opposition concerns; the bill passed on a due-pass motion to Judiciary with four votes and was held open.
Finally, AB 1338 would allow local air districts to recover costs for implementing fence-line air monitoring at metal shredding facilities, building on prior legislation and local air district efforts in AB 617 communities. The author said the bill would preserve local control and improve efficiency, and the South Coast Air Quality Management District testified in support. The transcript ends as the district witness begins testimony, with no vote yet taken on AB 1338.
MN
Minnesota 2025-2026 Regular Session
Budget Targets Eliminate The Deficit But Cut From Committees / Advancing Education in Minnesota Apr 6th, 2025
TX
Transcript Highlights:
- to the loopholes in the Uniform Partition of Heirs Property Act that leave our Texas homeowners vulnerable
Bills:
SB231, SB584, SB600, SB668, SB841, SB986, SB1003, SB1244, SB1625, SB1960, SB1963, SB1964, SB2026, SB2056, SB2368
Keywords:
temporary emergency electric energy facility, temporary generation, emergency power, backup generation, mobile generator, portable generator, grid resilience, power outage restoration, transmission and distribution utility, TDU, Public Utility Commission of Texas, PUCT, Utilities Code Section 39.918, competitive bidding, lease authorization, emergency procurement, bulk power system, locational marginal pricing, reliability model, black start
Summary:
The Senate Committee on Business and Commerce met with a quorum and first took up several pending and uncontested bills. It favorably reported SB 1405, SB 1762, SB 1977, SB 2077, SB 2148, and SB 1968, and also moved SB 2321 to the local and uncontested calendar. The committee then heard SB 819, which would change how the Public Utility Commission reviews proposed utility-scale solar and related interconnection projects. The committee substitute would shift the default so interconnection is allowed unless the PUC affirmatively prohibits it within 180 days, limit denial to cases where harm substantially outweighs benefits, remove public meeting requirements, retain setback and financial assurance provisions, add optional application materials such as national security and environmental information, and restore local control over county tax abatements. The substitute was adopted and SB 819 was favorably reported to the full Senate on a 7-3 vote.
The committee then took up SB 231, focused on CenterPoint’s use of large emergency generators after Hurricane Beryl. Senator King explained that the original bill was intended to prevent customers from being charged for non-mobile generators that were leased at great cost and did not match the bill’s emergency-response purpose. CenterPoint’s Jason Ryan apologized for the company’s communication failures and said the company would make customers whole through a combination of rate reductions, foregone storm-cost recovery, and a donation of the 15 large generators to ERCOT for about two years to address a San Antonio-area reliability issue, with the company absorbing the associated costs. PUC Executive Director Connie Corona said the commission could enforce the agreement through its contested-case process. Public testimony included consumer and reliability advocates, one of whom argued utility-scale microgrids should be preserved as a policy option. SB 231 was left pending.
The committee also heard SB 986, which would create an alternative process for routine Public Information Act requests so local governments can make initial redactions without sending every routine exception to the Attorney General, while preserving an appeal path and training requirements. Supporters said it would reduce backlog and speed access to records; opponents argued it would shift the burden to requesters and encourage delay. The AG’s office testified that the process could improve efficiency and still fit within current timelines if used promptly. SB 986 was left pending. Finally, SB 584 was briefly laid out to require consumer reporting agencies that buy data from others to ensure the information complies with Texas law on excluded items such as bankruptcies, judgments, and tax liens, and SB 600 was heard on heir property. SB 600’s substitute would strengthen notice, require an attorney ad litem, add an heir’s bill of rights, allow settlement conferences, and require fair-market-value sales protections; supporters said it would curb predatory partition practices, while opponents warned some provisions could burden or diminish minority heirs’ property rights. SB 584 and SB 600 were left pending after testimony.
FL
Florida 2025 Regular Session
March 31, 2025 - 04:00 PM
Transcript Highlights:
- empowering young people with these tools helps to keep them safe and healthy, especially those in vulnerable
Summary:
The committee took up a large health and human services agenda and first approved HB 711, the Spectrum Alert bill, which would create a statewide alert system for missing autistic children and require FDLE to coordinate training with state and local agencies. The measure drew a supportive waiver from the Florida Smart Justice Alliance and passed unanimously, 24-0, reported favorably.
Members then considered CS for HB 229 on health facilities, which modernizes the Health Facilities Authority Act to allow additional nonprofit health system structures to use tax-exempt financing. Two amendments were adopted: one requiring advance notice, public hearings, and stakeholder notifications before a nonprofit hospital closure, and another removing a property tax exemption for a nonprofit hospital that closes and fails to maintain emergency services for 120 days, applied retroactively to January 1, 2025. The Florida Hospital Association opposed the amendments, citing workforce and nonprofit-status concerns, but the bill as amended passed 24-0. The committee also approved CS for HB 1405 on juvenile justice status offenders, expanding early truancy intervention, parent involvement, and shelter placement review timelines; it passed 24-0. CS for HB 27, joining the Social Work Licensure Interstate Compact, and its linked public records bill CS for HB 29 both passed unanimously after supportive testimony from several advocacy and business groups.
The committee then debated HB 111 on out-of-network referrals and HB 1083 on patient access to records. HB 111 would require referring practitioners to inform patients in writing when a referral is out of network and to apply out-of-network payments to deductibles; it drew opposition from medical groups over administrative burden and patient-care concerns, but passed 17-8. HB 1083 would shorten the time for producing medical records to 14 working days and standardize access rules, with amendments clarifying portal access and delaying the effective date to January 1, 2026; despite opposition from some health information and provider groups over HIPAA and access concerns, it passed 19-7 as amended.
Later, the committee approved HB 883, allowing autonomous practice for psychiatric nurse practitioners with the required credentials, after strong support from nurse practitioner groups and opposition from psychiatric and medical associations; it passed 23-3. HB 1297, which aligns Florida’s electronic prescribing exceptions with federal law and removes several state exemptions, passed 19-7 despite opposition from hospice, emergency physician, rheumatology, and medical groups concerned about paper prescriptions in emergencies and hard-to-find medications. HB 1353 on home health care services and CS for HB 989 on foster home licensure transfers both passed unanimously after supportive amendments. The committee also heard HB 1505 on parental rights, which would require written parental consent for many health care services, surveys, and biofeedback devices for minors and expand parental access to records; the bill drew extensive support testimony but also questions and concerns about confidentiality, abuse reporting, and existing exceptions, and the transcript ended before a final vote on that bill.
TX
Transcript Highlights:
- Some of our most vulnerable Texans are adults with intellectual and developmental disabilities residing
FL
Florida 2026 5th Special Session
FL House Floor Session - 2025-03-26 (3:00PM Session)
Florida House Floor Meeting
Transcript Highlights:
- This bill also protects some of our most vulnerable citizens: our elderly, widows, veterans, people with
Summary:
The House convened for opening-day business, with prayer, a moment of silence for Captain Bill Guston, the Pledge of Allegiance, and a quorum established. The Speaker outlined a budget message emphasizing reduced spending and a proposed permanent 0.75% sales tax cut, and the chamber then received the Governor’s veto message on portions of HB 5001. Members moved to reinstate several vetoed appropriations, including the Florida Senior Veterans and Crisis Fund, Rockledge Advanced Water Treatment Phase 1, the Department of Corrections automated staffing/time management system, and Baldwin sewer and water main work; each reinstatement passed unanimously.
The House also adopted a special order calendar and special amendment procedures for the General Appropriations Act and related bills. On the special order calendar, several bills passed unanimously or near-unanimously, including Lucy’s Law on boating safety (CS/CS/CS/HB 289), HB 735 on water access facilities, HB 11 on municipal water and sewer utility rates, CS/CS/HB 85 on hazardous walking conditions, and CS/HB 157 on service of process. These measures focused on boating safety, water infrastructure, utility-rate fairness, school walking safety, and procedural civil-law updates.
A major floor debate centered on HB 6017, which would repeal Florida’s “Free Kill Law” limiting wrongful-death damages in medical negligence cases. Supporters described the bill as a long-awaited justice measure for families who lost adult children or unmarried relatives to medical malpractice, while opponents were not recorded in the final vote tally; the bill passed 104-6 after extensive emotional testimony from sponsors and affected families. The chamber also heard a lengthy, highly divided debate on HB 759, which would lower the firearm purchase age from 21 to 18. Supporters argued the current law is inconsistent with adult rights and responsibilities and cited constitutional precedent, while opponents emphasized Parkland, youth gun violence, and public-safety concerns; the transcript ends during continued debate on that bill, with no final vote shown.
FL
Florida 2026 5th Special Session
Governmental Oversight and Accountability Mar 18th, 2025
Transcript Highlights:
- which oftentimes workplaces and health care facilities are places where people like us are most vulnerable
Summary:
The committee first confirmed Heather L. Turnbull to the Florida Commission on Community Service without debate. It then took up SPB 7022, which sets Florida Retirement System employer contribution rates beginning July 1, 2025, updates rates to address unfunded liability, and preserves the 3% employee contribution rate. Senator Fine said the bill would increase FRS Trust Fund revenue by about $310 million annually and also gives certain elected officers an option related to DROP accumulations. An amendment was adopted, the bill was submitted as a committee bill, and it was reported favorably.
The committee then heard SB 1710, a bill by Senator DeSantis/DeSigley to prohibit state agencies, vendors, and grant recipients from using state funds for DEI-related policies, trainings, and programs, and to impose related restrictions on medical institutions of higher education. Senator Polsky and others questioned the bill’s broad and vague language, its effect on health-related work, public-facing agency positions, private contractors, and medical school admissions. The sponsor said the bill was intended to stop DEI from influencing state agencies and that the medical-school portion would likely be amended out later. Public testimony was overwhelmingly opposed, with speakers arguing the bill would harm health care, education, access, and minority communities; a few supporters said DEI is ideological and should be removed from government and public institutions. After debate, the bill was reported favorably on a party-line style vote, with Senator Errington voting no.
The committee then began SB 1678, relating to entities that boycott Israel, with a delete-all amendment. Senator Leak said the bill would expand Florida’s anti-BDS framework to cover nonprofits, foreign educational institutions, foreign government funds, academic boycotts, political subdivisions, and certain grants, while the amendment aligned the bill with existing law and clarified procurement and divestment provisions. Testimony included support from proponents who said Florida should not do business with entities engaged in boycotts of Israel, and opposition from speakers who argued the bill would restrict academic freedom and conscience. Debate continued as the transcript ended, with no final vote shown in the excerpt.
US
US Federal 2025-2026 Regular Session
Hearings to examine the nominations of Christopher Landau, of Maryland, to be Deputy Secretary, Michael Rigas, of Virginia, to be Deputy Secretary for Management and Resources, and Matthew Whitaker, of Iowa, to be United States Permanent Representati Mar 4th, 2025 at 09:00 am
Foreign Relations Committee
Transcript Highlights:
- It has left our country vulnerable. Now I've always supported government reform.
US
US Federal 2025-2026 Regular Session
Joint hearings with the House Committee on Veterans' Affairs to examine the legislative presentation of The Veterans of Foreign Wars of the U.S. and multi VSOs: Paralyzed Veterans of America, Iraq and Afghanistan Veterans of America, Student Veterans Mar 4th, 2025 at 09:00 am
Senate Veterans' Affairs
Transcript Highlights:
- careful review and implementation necessary to ensure that services, especially those for the most vulnerable
Keywords:
veteran services, Secretary Collins, healthcare provisions, contract cancellations, transparency, accountability, committee meeting, legislation
Summary:
During this committee meeting, various bills were discussed with a specific focus on veteran services and healthcare provisions. Notably, the cancellation of critical contracts under Secretary Collins sparked significant debate, with representatives emphasizing the adverse impact on veteran care. The meeting featured testimonies from veterans and stakeholders who expressed their concerns regarding the potential fallout of these cancellations, demonstrating the urgency of transparency and accountability in management decisions. Discussions also delved into various legislative proposals aimed at improving services for veterans amidst these challenges.
TX
Texas 89th 2nd C.S.
Appropriations - S/C on Articles VI, VII, & VIII Feb 27th, 2025
Appropriations - S/C on Articles VI, VII, & VIII
Transcript Highlights:
- That 1,250-mile border continues to be porous in many aspects, including presenting vulnerabilities to
Summary:
The committee met with a quorum present to hear Article VI Natural Resources agency budget recommendations, beginning with the Railroad Commission. LBB staff summarized the commission’s 2026-27 base recommendation at $458.7 million, down from the prior biennium, with an increased FTE cap. The presentation highlighted reduced federal IIJA funding, volatility in oil and gas regulation account 5155, continued support for IT modernization, and rider changes. The commission’s major exceptional items were then presented, including requests for produced water and injection data reporting, an authorized pit registration system, regulatory filing/permitting upgrades, an underground injection well investigation team, site remediation support, and especially $100 million for orphan well plugging. Members asked about biennium-to-biennium comparisons, salary biennialization, the scale of orphan well risks, federal funding delays, bonding, and whether the state should rely more on industry or general revenue for plugging costs. Commission leadership explained that orphan wells can threaten water and public safety, that plugging costs have risen sharply, and that current funding is insufficient to keep up with emergency wells and the backlog; they also said the agency is moving to cloud-based systems with cybersecurity protections and that the proposed performance measure may need adjustment if funding does not increase.
The Railroad Commission testimony was followed by LBB and agency testimony for the Texas Animal Health Commission. LBB described a $42 million recommendation for 2026-27, an increase overall, but with a reduced FTE cap due to turnover and salary reallocation. The recommendation maintained funding for cattle fever tick work, chronic wasting disease, lab testing through an MOU with Texas A&M’s veterinary diagnostic lab, and a new $5 million spay-and-neuter pilot program, while deleting a capital budget rider and adjusting riders tied to entry point inspection stations and clinical trials. Agency leadership then outlined the commission’s mission to protect livestock health and the state’s $22 billion animal industry, and described major disease threats including highly pathogenic avian influenza, cattle fever ticks, New World screwworm, and chronic wasting disease. Their exceptional items focused on recruiting and retaining veterinarians, replacing fleet vehicles, creating an ectoparasite identification lab, adding field staff and IT support, improving records and epidemiology reporting, strengthening central administration, supporting secure food supply planning, expanding chronic wasting disease work, and staffing the new spay-and-neuter program. Members asked about field identification of ticks, the use of disinfectants and PPE, fleet management, the scale of cattle fever tick risk, and chronic wasting disease; the agency explained its current inspection and lab-confirmation process, its reliance on field disinfecting and biosecurity, and the need for more staff and better data systems to keep pace with growing workloads and disease threats.
FL
Florida 2026 Regular Session
Military and Veterans Affairs, Space, and Domestic Security Feb 18th, 2025
Military and Veterans Affairs, Space, and Domestic Security
Transcript Highlights:
- We provide essential social services to vulnerable populations in crisis for the past 55 years.
Summary:
The committee took up SB 116 by Senator Burgess, a veterans bill aimed at several FDVA-related changes. The bill would reduce annual nominations to the Florida Veterans Hall of Fame from 20 to 5, expand FDVA’s survey work to assess veterans’ awareness of available programs and their health literacy, add mental health training to the veterans suicide prevention pilot, strengthen coordination and reporting between Veterans Florida and FDVA, direct FDVA to develop a plan for adult day health care facilities statewide, and allow the Florida Veterans Foundation to use a portion of Gadsden flag plate proceeds for administrative costs. Senator Burgess said the measure builds on prior “Forward March” efforts and helps close service gaps for aging veterans and others who may not know about available benefits.
Testimony on SB 116 was uniformly supportive. FDVA leadership said adult day health care could be added at existing facilities such as Port St. Lucie and Lake City, and that the state would need authority and funding to move forward. A veterans legal collaborative, AARP Florida, and Endeavors all voiced support, with speakers emphasizing the importance of better outreach, mental health awareness, and care options that allow veterans to remain at home. The committee then voted favorably on SB 116.
The remainder of the meeting was devoted to agency and stakeholder presentations. Florida National Guard officials described a high operational tempo, deployments at home and abroad, hurricane response efforts, and the need to grow the force and infrastructure. FDVA’s adjutant general reported Florida now has the nation’s second-largest veteran population, rising in-migration of younger veterans, a large and aging Vietnam-era population, strong claims and outreach activity, declining veteran homelessness, and improved suicide prevention outcomes. The Florida Veterans Foundation outlined its emergency relief, dental, transportation, and license-plate-funded programs, while Veterans Florida and CareerSource Florida detailed workforce, apprenticeship, SkillBridge, entrepreneurship, and job-fair programs for veterans and spouses, along with efforts to expand recurring funding and better protect customer information.
US
US Federal 2025-2026 Regular Session
Hearings to examine the nomination of Linda McMahon, of Connecticut, to be Secretary of Education. Feb 13th, 2025 at 09:00 am
Health, Education, Labor, and Pensions Committee
Transcript Highlights:
- teachers very much. for the extraordinary work that they are doing, especially for some of the most vulnerable
Summary:
The committee meeting engaged in discussions focused primarily on educational reform, the influence of federal grants on local education systems, and the growing disparities in wealth and access to quality education. Members expressed concerns about the bureaucracy surrounding federal funding that hampers schools' ability to obtain necessary resources for improvement. Several members highlighted personal anecdotes from constituents, emphasizing the urgent need for reform to help students succeed in both K-12 and higher education environments. The meeting included public testimonies that provided insights into various community perspectives on these pressing issues.
TX
Texas 89th Regular
Senate Committee on Water, Agriculture, and Rural Affairs Feb 10th, 2025
Water, Agriculture and Rural Affairs
US
US Federal 2025-2026 Regular Session
Organizational business meeting to consider an original resolution authorizing expenditures by the committee during the 119th Congress; to be immediately followed by hearings to examine the real impacts of debanking in America. Feb 5th, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- Second, reduce penalties and surprise fees that debank the financially vulnerable.
NM
Transcript Highlights:
- But as we onboard them into more critical services such as penetration testing and vulnerability scanning
US
US Federal 2025-2026 Regular Session
Hearings to examine defense innovation and acquisition reform. Jan 28th, 2025 at 08:30 am
Senate Armed Services Subcommittee on Personnel
Transcript Highlights:
- So, again, Secretary Gertz, what specific strategies can the U.S. employ to mitigate these vulnerabilities
FL
Florida 2025 Regular Session
January 15, 2025 - 03:30 PM
Transcript Highlights:
- They don't have insurance, are low-income, have other vulnerabilities, and are unable to on their own—no
Summary:
The Transportation and Economic Development Budget Subcommittee met to organize for the session, take roll, and hear introductory remarks from members and agency heads. Members briefly introduced themselves and their districts, with several noting transportation, economic development, emergency response, military, and hurricane recovery issues in their areas. Chair Shove then outlined the subcommittee’s jurisdiction and current-year budget, noting a total of about $20.3 billion, with most funding coming from trust funds and only a small share from general revenue. The committee also heard that upcoming meetings would include presentations from major agencies in the subcommittee’s purview.
The first agency presentation was from the Department of Military Affairs and the Florida National Guard. Major General John Haas described the Guard’s three missions—supporting national security, responding to state emergencies, and adding value to the state—and highlighted deployments for hurricanes, border security support, and ongoing support to the Department of Corrections. He emphasized that the Guard is understrength relative to Florida’s size and demand, said recruiting is strong, and identified force structure growth as the main challenge. Members asked about aircraft, funding sources, and recruiting; Haas explained the Guard’s helicopter and fixed-wing fleet, said aircraft purchases are funded through legislative appropriations, and reported strong interest in the Florida State Guard’s recruiting pipeline.
Executive Director Mark Thieme then described the Florida State Guard’s expansion into air, ground, and maritime capabilities, including Black Hawks, boats, drones, canine search-and-rescue teams, and ground support units. He said the agency supported immigration enforcement and hurricane response, and asked for continued legislative support to expand aviation, maritime, and medical capabilities. Members praised the Guard’s disaster response work and asked about aircraft, funding, and staffing. Secretary Cord Byrd of the Department of State followed, focusing on election administration, election security, the SunBiz and voter registration IT systems, arts and culture, corporations, libraries, and historical resources. He said Florida’s election system remains a national model, reported two prosecutions for non-citizen voting, and discussed modernization needs for legacy IT systems. The committee also asked about voter lookup tools, password privacy for SunBiz, and arts funding vetoes.
Secretary Alex Kelly of the Department of Commerce described the agency’s broad portfolio, including workforce, economic, community, and international commerce functions, plus housing recovery, broadband, small business support, rural infrastructure, defense-community grants, and law enforcement recruitment bonuses. He said access to capital is the biggest barrier for small businesses and noted ongoing work with CareerSource, the Department of Corrections, and other partners on workforce and reentry. Secretary Jared Perdue of the Department of Transportation then outlined FDOT’s record budget and five-year work program, emphasizing emergency response, preservation and maintenance, safety, and major investments in roads, ports, airports, transit, and spaceport infrastructure. He said the department has removed millions of cubic yards of storm debris, is ahead of schedule on the Moving Florida Forward initiative, and faces a large unfunded project backlog. Members asked about supply chain issues, project priorities, and workforce needs, and Perdue said FDOT is open to collaboration on recruitment and retention.
WY
Wyoming 2026 Regular Session
Joint Corporations, Elections & Political Subdivisions, May 22, 2026 - PM
Corporations, Elections & Political Subdivisions
Transcript Highlights:
- equity because they yield the highest fraud payouts, vacation homes, and properties belonging to vulnerable
- vacation homes and properties belonging vacation homes and properties belonging to<01:24:15.120><c> vulnerable
- <c> adults,</c><01:24:16.680><c> such</c><01:24:16.920><c> as</c><01:24:17.000><c> those</c> to vulnerable
- adults, such as those to vulnerable adults, such as those living<01:24:17.480><c> with</c><01:24:17.600
CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 072 Mar 27th, 2026
Colorado House Floor Meeting
Transcript Highlights:
- unrelated to the transaction, product, or service, which is used primarily to exploit a consumer's vulnerability
- </c> is used primarily to exploit a is used primarily to exploit a consumer's<02:50:04.200><c> vulnerability
- </c><02:50:04.880><c> or</c><02:50:05.000><c> impair</c><02:50:05.320><c> the</c> consumer's vulnerability
- or impair the consumer's vulnerability or impair the consumer's<02:50:05.920><c> ability</c><02:50:06.320