Video & Transcript : 'budget reform' :

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HI

Hawaii 2025 Regular Session

PSM-HOU, HOU Public Hearings 04-10-2025

Public Safety and Military Affairs

Transcript Highlights:
  • </c> budget and on time? budget and on time?
  • the financing and reforming some of the processes.
  • some of the financing and with reforming some of the financing and reforming<00:45:28.000><c> some</
  • </c><00:45:28.880><c> And</c><00:45:29.040><c> I</c> reforming some of the processes.
  • And I reforming some of the processes.
Summary: The joint committees heard HCR 66, which asks the State Building Code Council to update the state building code to allow point access block construction for residential buildings up to six stories. Testimony was generally in support, including from Housing Hawaii’s Future, the Grassroot Institute of Hawaii, and OPSD, with one registered opponent. No questions were raised, and the joint committee later adopted a recommendation to pass the resolution as is. Because the housing committee lacked quorum at that time, final action on the resolution was deferred to the housing-only agenda. On the housing-only agenda, the committee first heard HTR 78, which states the intent that housing projects qualifying for credits under Act 31 remain eligible for those credits after the act’s repeal. Testimony was in support from HHFTC and the DIY chapter, and there were no questions or opposition noted. The committee then took up Governor’s Message 592, confirming Lisa Darcy to the HPHA board. Support came from HPHA board members and several individuals, and Darcy said she accepted the nomination and emphasized her experience and interest in HPHA’s work. Members questioned her about the HPHA board’s oversight role, the 10,000-unit RFQ, and media coverage of Kuhio Park Terrace relocations; she said she supports the project, values transparency, and would push for better context and accountability, though some members felt she had not directly answered concerns about on-the-ground oversight. The committee also heard Governor’s Message 736, confirming Grant Chun to the HHFDC board. Support testimony highlighted his experience in nonprofit housing, real estate, and leadership roles, and Chun said he was pleased to serve the state. Members asked about his residence and his perspective on senior care at Hali Makua, where he said his family found the care compassionate and thorough, while noting staffing shortages. The transcript ends before any final vote on the housing-only items is shown.
CA

California 2025-2026 Regular Session

Senate Floor Session Jun 11th, 2026

California Senate Floor Meeting

Transcript Highlights:
  • Members, I move that measures reported by the Budget and Fiscal Review Committee on Monday, June 3rd.
  • Members, I move that measures reported by the Budget and Fiscal Review Committee on Monday, June 15th
  • Senate Resolution 18 by Senator McNerney, relative to campaign finance reform.
  • Senate Resolution 18 by Senator McNerney, relative to campaign finance reform.
  • He managed a budget of $2 billion.
Summary: The Senate convened with a quorum, opened with prayer and the Pledge of Allegiance, and handled several procedural matters, including referral of AB 686 to Rules, approval of motions to advance Budget and Fiscal Review Committee measures and adopt authors’ amendments, and requests to move AB 28 and AB 2539 to the inactive file. The chamber also confirmed two gubernatorial appointments: Maggie Hallahan to the Bodina Waterways Commission and Kansasaki to the Building Standards Commission. On the floor, members took up two resolutions focused on public awareness and policy messaging. SCR 181 designated June 10 as Family Justice Center Day and highlighted the work of Family Justice Centers serving survivors of domestic violence, elder abuse, child abuse, and human trafficking; it passed 36-0. SR 112 declared June 14-20 as Familial Adenomatous Polyposis Awareness Week to encourage awareness, family health-history sharing, and early screening; it also passed unanimously. SJR 18, a resolution opposing the Citizens United decision and calling for limits on corporate influence and dark money in elections, generated extended debate over campaign finance, transparency, unions, nonprofits, and corporate political spending before passing 28-8. The consent calendar was then adopted on a 35-0 vote. The session concluded with multiple adjournment-in-memory tributes, including Larry Mazzola, Sr., Steve Zaley, and James J. McClain, Sr., followed by announcements that the Senate would recess and reconvene on Monday, June 15, 2026, at 2 p.m.
CA

California 2025-2026 Regular Session

Senate Floor Session Jun 11th, 2026

California Senate Floor Meeting

Transcript Highlights:
  • Members, I move that measures reported by the Budget and Fiscal Review Committee on Monday, June 3rd.
  • Members, I move that measures reported by the Budget and Fiscal Review Committee on Monday, June 15th
  • Senate Resolution 18 by Senator McNerney, relative to campaign finance reform.
  • Senate Resolution 18 by Senator McNerney, relative to campaign finance reform.
  • In campaign events everywhere, people respond most strongly when I talk about campaign finance reform
NM

New Mexico 2025 Regular Session

IC - Investments and Pensions Oversight Oct 8th, 2025

Investments & Pensions Oversight Committee

Transcript Highlights:
  • Traditionally, we've seen a few reforms on a national basis, but we had widespread reforms occurring
  • I mentioned state pension reforms and slide 13.
  • Titled "State Pension Reforms 07 to 25," it illustrates the states that have undergone pension reform
  • We say pension reform here, and in most cases, almost every case, the reform has been a reduction in
  • Those reforms, we figured out, weren't enough.
MO

Missouri 2026 Regular Session

2026 Legislative Session - Day Fifty Seven - Thursday, April 23

Missouri House Floor Meeting

Transcript Highlights:
  • The chair now recognizes the budget chairman from McDonald County.
  • To inquire of the budget chair. Does the budget chairman yield to an inquiry? I do. Proceed.
  • I'm not going to stop on every budget bill.
  • To inquire briefly of the budget chair.
  • That just generally relates to items surrounding property tax reform.
Summary: The House convened with prayer and the Pledge of Allegiance, then approved the House Journal for the 56th day by roll call vote, 131-2. The Speaker also signed several enrolled measures, including HB 1768, HB 1866, HB 1870, HB 2180, and HJR 173 and 174, suspending business for those signings. Members then offered multiple points of personal privilege and introduced numerous student groups, family members, interns, and former Representative Richard Brown as special guests. The main floor business focused on budget conference motions for HB 2002 through HB 2013. The budget chair moved to refuse Senate substitutes and send the bills to conference, and the House approved each motion. In discussion, members highlighted major budget differences, including child care subsidies, transportation funding, higher education funding, and the movement of about $1.76 billion in broadband-related funds into HB 2017, which was noted as affecting how the operating budget totals appear. The House also received Senate messages on several budget bills and other measures, including HB 2002-2013, HB 2637, and HB 3155. The House then took up SB 975, an ambulance district and emergency medical services bill. A House substitute was adopted, along with Amendment 1 adding a compromise community paramedic provision and a minor first-responder mental health change. Members described the bill as helping struggling ambulance districts, improving emergency response, and allowing community paramedics to provide in-home services to reduce unnecessary ER use. The bill passed 136-7. Later, the House considered the combined property tax reform bill on SB 1066 and 1086, adopting three amendments addressing technical cleanup, uniform levy increases and timing of voter-approved tax increases, and assessor training, electronic notices, and changes to payment-under-protest procedures. Supporters said the bill improved transparency and reform; opponents warned it could reduce local control and strain funding for schools, libraries, and other local services. The bill ultimately passed 83-61. The House adjourned until 4 p.m. on Monday, April 27, 2026.
MN

Minnesota 2025-2026 Regular Session

Investing in Disability Services – Senator Jim Abeler Feb 24th, 2025

Minnesota Senate Floor Meeting

Transcript Highlights:
  • Together, it's the largest part of the budget, and so that's our commitment.
  • actually find a way to balance a budget without hurting anybody and pushing reforms and pushing all
  • </c><00:10:14.760><c> forecast</c> for when they do the budgeting forecast for when they do the budgeting
  • </c><00:10:22.440><c> people</c> the Departments and the budget people the Departments and the budget
  • without hurting anybody and budget without hurting anybody and pushing<00:10:30.320><c> reforms</c><
NM

New Mexico 2025 Regular Session

IC - Courts, Corrections and Justice Jun 30th, 2025

Courts, Corrections & Justice Committee

Transcript Highlights:
  • don't know if they have dedicated funding for these or if they just work it into their operating budget
  • I was looking at this, um, During, uh, the budget, and it is quite a bit.
  • Um, juvenile justice is a place where we need reform, and I don't mean longer sentences there.
  • I mean, we do need reform from the very bottom of the, of the crime.
  • And that we develop our own budget, that this committee proposed a budget of our own on this area.
NM

New Mexico 2025 Regular Session

House - Appropriations and Finance Feb 4th, 2025

House Appropriations & Finance

Transcript Highlights:
  • Big thanks to the Budget Director and others for getting it together.
  • Fund, so LFC Endorsed legislation to reform the reform fund, to build in some of those performance measures—measurement
  • I know what it does, and that's the Public Education Reform Fund.
  • What project or what programs are in the Public Education Reform Fund?
  • There is money in the LFC recommendation in the operating budget that's part of Their budget every year
MA

Massachusetts 2025-2026 Regular Session

Senate Committee on Climate Change and Global Warming Jun 21st, 2026 at 10:00 am

Senate Committee on Climate Change and Global Warming

Transcript Highlights:
  • And we have seen the direct benefits from municipal projects to municipal budgets.
  • And certainly there are state-owned solar facilities that help our budget.
  • reforms to streamline permitting for residential systems.
  • The next area of the legislation is advancing interconnection reforms.
  • And of course, we have the reforms from last year's Climate Act that are underway.
Summary: The hearing focused on ways Massachusetts can accelerate solar deployment, lower costs, and preserve reliability as electricity demand rises and federal support for solar and other renewables changes. Chair Creem opened by emphasizing solar’s role in meeting climate mandates and peak demand, citing June heat-wave data showing behind-the-meter solar reduced wholesale prices and saved ratepayers money. Commissioner Elizabeth Mahoney of DOER said Massachusetts has grown from 3 MW of solar in 2008 to 3.5 GW today, highlighted SMART 3.0 as a flexible, evergreen incentive program, and said DOER is working on updated rates, interconnection reforms, flexible interconnection, net crediting, and a petition to the DPU to speed implementation. She also said Massachusetts joined the lawsuit over canceled federal Solar for All funding. Committee members and witnesses discussed several policy changes to speed projects before federal tax credits expire, including automated permitting, remote inspections, faster interconnection, and changes to caps on municipal and regional solar development. Senator Barrett pressed Mahoney on whether the 10 MW municipal cap and regional caps should be lifted, and on whether the state should increase its solar tax credit to offset the loss of the federal residential credit. Mahoney said the municipal cap should be revisited and that interconnection cost allocation and other market issues need to be worked out before lifting broader caps. She also said DOER is open to automated permitting and is already developing a permitting portal under the 2024 climate law. Industry and advocacy witnesses largely supported streamlining measures. Sunrun’s Bronte Payne urged removal of a proposed requirement that all net-metered facilities enroll in SMART, and recommended automated permitting, remote inspections, flexible interconnection, better hosting-capacity information, consumer protections, and continued support for Connected Solutions and virtual power plants. Permit Power’s Hannah Bernbaum and Solar App’s Matthew McAllister argued that smart permitting and remote inspections can significantly reduce soft costs and delays, with McAllister saying Solar App now operates in over 320 jurisdictions and saves about three weeks on average. They said remote inspections are already common and can be done safely with photos, video, and qualified third parties. Community solar and clean energy advocates, including CCSA’s Kate Daniel and Vote Solar’s Lindsay Griffin, supported a 10 GW solar target by 2035, a higher refundable state tax credit for low-income households, interconnection reforms, flexible interconnection, and preserving the option to build outside SMART so projects can retain renewable energy certificates. No votes were taken; the hearing was informational, and members requested follow-up materials and draft language from witnesses.
FL

Florida 2026 5th Special Session

FL House Floor Session - 2025-03-04 (10:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • Let's pass actual reforms rather than symbolic gestures.
  • A couple of years ago, the insurance industry came to the legislature and said, without sweeping reforms
  • I'm challenging our budget subcommittee. We can do better.
  • I'm challenging our budget subcommittee chairs to dive into the budget and find real savings in recurring
  • Where we find waste, let us bring reform. Where there is injustice, let us bring accountability.
Summary: The Florida House convened for the opening day of the 2025 regular session with prayer, moments of silence honoring Senator Geraldine Thompson and Congressman Lincoln Diaz-Balart, a quorum call, presentation of colors, the Pledge of Allegiance, and the national anthem. The chamber also recognized Miami-Dade County Sheriff Rosie Cordero-Stutz as law enforcement officer of the day and approved the journal. Numerous guests were introduced, including members of the Florida Cabinet, Supreme Court justices, former House speakers, former legislative leaders, former members, and Speaker Perez’s family. Speaker Daniel Perez delivered the opening address, emphasizing that the session should focus on meaningful reforms, strong committee work, and bipartisan engagement rather than personal priorities. He highlighted property insurance as a major issue and said the insurance and banking subcommittee would investigate possible misconduct by insurers, including the use of subpoenas, sworn testimony, and outside experts. He also pointed to housing, health care, public education, public safety, government accountability, and budget savings as key areas for legislative work. The House received a letter from Governor Ron DeSantis requesting a joint session on March 4 at 11 a.m. for the State of the State address. The chamber adopted Senate Concurrent Resolution 1294 to authorize the joint session, and the related House concurrent resolution was laid on the table. The House then adjourned to conduct committee and other business and to reconvene for the joint session at 11 a.m. or upon call of the Speaker.
NM

New Mexico 2026 Regular Session

IC - Legislative Finance Dec 11th, 2025

Transcript Highlights:
  • Our budget request to ask for 11.4.
  • Our budget request asks for a $1.9 million increase to our operating budget, which takes our FY27 general
  • Budget requests ask for a $13.7 million increase to our general funds, which takes our FY27 budget to
  • Budget requests ask for a $13.7 million increase to our general funds, which takes our FYI-27 budget
  • Again, just taking you back to your budget guidelines, you know, the, Taking you back to your budget
Summary: The Department of Public Safety presented its FY27 budget request, emphasizing three priorities: improving community engagement through a redesigned website and outreach, expanding statewide data and intelligence integration through intelligence-led policing, and improving emergency response and officer safety through fleet replacement, a driving track, and a requested helicopter. DPS said much of its increase is driven by rising health care premiums, and it is also seeking special appropriations for fleet replacement, the website rebuild, and an Honor Guard program created after the 2022 helicopter crash that killed four public servants. Members asked about vacancies, fleet costs, cybersecurity compliance, the real-time crime center, EV fleet participation, and the Metro DPS facility. DPS said its vacancy rate is about 9%, its fleet replacement needs are driven by mileage and condition, it is compliant with federal CJIS standards even though DoIT has raised concerns, the real-time crime center would be built as a regional model to complement Albuquerque’s center, and the Metro facility is moving toward a January groundbreaking. Committee members also discussed several DPS-related capital and IT requests, including the intelligence-led policing data lake, recurring maintenance for critical systems, and a $5.6 million reauthorization for state crime lab DNA backlog work and a $900,000 reauthorization for fingerprinting equipment. DPS explained that the website request is high because the current site must be rebuilt from scratch to support missing-person alerts, memorial updates, ADA compliance, and better communication with law enforcement and the public. Members also raised concerns about speed enforcement, construction-zone cameras, and whether EVs are practical for patrol use; DPS said it is not pursuing speed cameras and is only partially participating in the state EV initiative because patrol needs make full electrification difficult. The committee then received an LFC quarterly update on non-recurring appropriations from the 2025 General Appropriation Act. LFC reported that of the $1.4 billion appropriated in Section 5, $164 million had been expended and $333 million encumbered, leaving $897.4 million unspent, which is a slower pace than the prior year. Staff highlighted a number of reauthorization requests and slow-moving projects across agencies, including AOC cybersecurity funding, DFA housing and public safety grants, DoIT cybersecurity and higher education funds, EDD economic development and energy programs, OSI mitigation and malpractice funds, EMNRD energy and geothermal grants, Health Care Authority behavioral health-related appropriations, DPS crime lab and fingerprinting funds, PED career technical education and special education initiatives, and higher education loan repayment and technology funds. Members questioned why some large appropriations had little or no spending, discussed the need to monitor reauthorizations more closely, and asked for follow-up on several specific line items and project balances.
CA
Transcript Highlights:
  • Lenny Goldberg, California Tax Reform Association.
  • An industry that once gone will create even greater budget and economic issues.
  • The California Tax Reform Association, which is formed of the state's labor groups.
  • It doesn't sound like there's tax reform in your organization.
  • I think that, again, California Tax Reform Association has always pushed for progressive.
Summary: The Assembly Committee on Revenue and Taxation met as a subcommittee and announced that all bills on the agenda had revenue impacts placing them on the suspense file, so none were eligible for immediate vote. The chair also reviewed procedural rules, including the deadline for position letters and the suspense-file threshold, and later established a quorum before proceeding through the agenda. Most measures were presented, heard, and then referred to suspense without committee votes. Several bills focused on tax credits or exclusions tied to housing and property. AB 1606 proposed a five-year tax credit for small businesses facing cleanup costs from illegal dumping and encampments; AB 1971 would clarify that home-hardening retrofits are not assessable for property tax purposes; AB 2394 would create a capital gains exclusion to encourage long-term homeowners to sell and downsize; AB 1714 would offer a credit for sellers who complete required repairs for CalHFA-assisted first-time buyers; and AB 2389 would extend the property tax exclusion for newly installed solar systems. Supporters generally framed these bills as targeted relief or affordability measures, while opponents raised concerns about revenue loss, policy effectiveness, or implementation. The committee also heard a series of agriculture-related bills. AB 2427 proposed a tax credit for qualified agricultural producers to offset labor, equipment, infrastructure, and production costs, and AB 2192 would extend the state’s farm equipment sales tax exemption to local sales taxes with a General Fund backfill for local governments. Supporters argued both measures would help preserve California agriculture, jobs, and food security amid rising costs and regulatory burdens; opponents questioned the need for the subsidies and the size of the fiscal impact. Both bills were referred to suspense. Other measures included AB 1611, which would end a tax break on capital gains from single-family home sales for large corporate investors to discourage investor competition with homebuyers; AB 2522, which would exempt over-the-counter medications from sales tax; AB 2444, which would add a state deduction for ScholarShare 529 contributions and align California law with federal Roth IRA rollover rules; and AB 1550, which would allow deductions for tips and overtime. Each drew support from sponsors and allied groups, while tax reform and local government representatives opposed several bills over revenue and policy concerns. All of these measures were also sent to the suspense file, and the committee adjourned after completing its agenda.
CA

California 2025-2026 Regular Session

Assembly Revenue and Taxation Committee Apr 6th, 2026

Revenue and Taxation

Transcript Highlights:
  • Lenny Goldberg, California Tax Reform Association.
  • Lenny Goldberg, California Tax Reform Association.
  • An industry that once gone will create even greater budget and economic issues.
  • It doesn't sound like there's tax reform in your organization.
  • I think that, again, California Tax Reform Association has always pushed for progressive.
CA

California 2025-2026 Regular Session

Senate Energy, Utilities and Communications Committee Mar 3rd, 2026

Energy, Utilities and Communications

Transcript Highlights:
  • If they were in the state budget, that would bring rates down substantially.
  • So I would argue that that reform has actually made us more proactive.
  • Our budget is set independently of the commissions.
  • We do come before the legislature with budget change proposals.
  • Budget. Utilities should have to do the same.
Summary: The Senate Committee on Energy, Utilities and Communications held an oversight hearing focused on electric rates, utility regulation, affordability, wildfire costs, and the California Public Utilities Commission’s role. Chair and members framed the discussion around the challenge of transitioning to a cleaner grid while maintaining reliability and keeping bills affordable. The hearing also served as the annual update from the CPUC and the Public Advocates Office, with testimony from Professor Severin Borenstein and CPUC President-designate Alice Reynolds. Borenstein gave a primer on utility regulation, explaining that generation is largely deregulated while transmission and distribution remain regulated, and that most rate-setting follows cost-of-service regulation. He emphasized that the hardest issue is setting the allowed return on equity: too high can raise bills and encourage capital-heavy spending, while too low can deter investment and harm reliability. He argued there is no silver bullet, said performance-based regulation and price caps have limits, and suggested some costs now charged through electric bills—such as climate programs, low-income subsidies, and wildfire-related public policy costs—might more appropriately be paid through the state budget. Reynolds described the CPUC’s oversight role, saying the commission reviews utility spending through general rate cases, balancing accounts, and other proceedings, and that affordability is addressed through front-end scrutiny, post-spend accountability, and legislative direction. She highlighted wildfire mitigation as a major driver of rate increases, noted recent progress on clean energy procurement and battery storage, and said the CPUC is working on return-on-equity decisions, FERC advocacy on transmission costs, and implementation of SB 254 and other statutes. Members pressed on a range of issues, including wildfire securitization, load growth from EVs and data centers, gas-system stranded assets, balancing accounts, and a water-service dispute in Keene involving Union Pacific. No votes were taken; the hearing was informational, with several follow-up commitments from the CPUC to provide data and updates.
MA

Massachusetts 2025-2026 Regular Session

Formal House Session 63 Jul 1st, 2026

Massachusetts House Floor Meeting

Transcript Highlights:
  • All told, this budget would recommend an investment of nearly $10 billion in local aid.
  • And now it is a bedrock of our budgeting every single year.
  • The fact that there's no new taxes in this budget, I think, is very, very important.
  • I think overall this is a good budget and one that deserves your approval.
  • It is also the budget. Thank you very much. It is also the appropriation for 2027 days.
CA
Transcript Highlights:
  • Budget overview and budget change proposals for the Emergency Medical Services Authority.
  • As noted in the agenda, the Governor's Budget includes three budget change proposals for EMSA.
  • I will now touch on the budget.
  • The preliminary 2026 budget plan projects that there will be a decrease in the approved budget.
  • projected budget presented in the Governor's January budget.
NH

New Hampshire 2025 Regular Session

House Finance Division I (02/21/2025)

Transcript Highlights:
  • budget is approximately $15.5 million.
  • The budget shows four positions.
  • The budget shows four positions.
  • budget.
  • We reduced our budget a bit.
Summary: The committee heard testimony from Insurance Commissioner DJ Bettencourt on the New Hampshire Insurance Department budget. He said the department is self-funded through assessments on insurers based on New Hampshire premium volume, with about $8 billion in premiums written in the state and a department budget of roughly $15.5 million. He explained that the department has 88 authorized positions, eight vacancies, and that three full-time positions were unfunded after the governor’s requested 4% reduction exercise. He also said the department is trying to balance staffing needs with not overburdening carriers during a hard insurance market. A major topic was the department’s $2.6 million rebate to industry from the prior fiscal year, which Bettencourt described as a credit against the next assessment rather than a direct cash payment. Members questioned why that credit was not reflected as a reduction in the upcoming budget, and Bettencourt and staff explained that the budget assumes full staffing and full spending, with any year-end surplus returned to insurers. The commissioner said the department had added staff in recent years for succession planning and to preserve institutional expertise, and that the rebate reflects careful budgeting rather than excess spending. Members also asked about staffing changes by division, including positions unfunded in fraud, property and casualty examinations, life and health examinations, and tax. Bettencourt said fraud investigations remain strong and that the department can use outside contractors for examinations, with those costs billed to the company being examined. He also described the department’s examination process, including periodic financial exams and targeted market conduct reviews triggered by consumer complaints or trends. Additional questions covered OIT transfers, the department’s oversight of fully insured health coverage, the insurance premium tax and fines going to the general fund, and the department’s limited role in auto repair reimbursement disputes, where he said complaints have recently declined.
MN

Minnesota 2025-2026 Regular Session

Elections panel considers redistricting commission bill, HF550 2/24/25

Minnesota House Floor Meeting

Transcript Highlights:
  • She said that if they are talking about judicial reform and the whole process of judicial selection,
  • She said that if they are talking about judicial reform and the whole process of judicial selection,
  • Would this be funded out of the elections budget?
  • the Tals budget and the budget after that, it would make it for a very complex, what, a six to eight
  • we're working on, the Tals budget and the budget after that, it would make it for a very complex, what
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Children, Families and Persons with Disabilities Jul 1st, 2026

Joint Committee on Children, Families and Persons with Disabilities

Transcript Highlights:
  • We'll move on to a panel, Jessica Trow and Adam Jones of the Mass Budget Policy Center.
  • My name is Jessica Trow, and I'm the Deputy Director of Research and Policy Analysis at Mass Budget,
  • We're going to welcome up Kiera Pontes-Battista from the Massachusetts Law Reform Institute.
  • And I believe Clean Slate reform is a great tool that can help fight poverty.
  • As a mother in shelter said, the first things that I cut for my budget are necessities for myself.
Bills: H5085 , H5286
OK
Transcript Highlights:
  • So this is going to be a great reform not only for reading but also for math.
  • Do you set aside funds for a rainy day in your personal budget? Follow up. Thank you, Mr. Speaker.
  • It's not reform. And it's not protection.
  • No reform. And that's not respect, for sure.
  • You save for a rainy day in your personal budget.