Transcript Highlights:

• I mean, it's kind of... it's kind of... it's...
• in this kind of period of educational transition that we've been having for a number of years.
• in this kind of period of educational transition that we've been having for a number of years.
• When Americans can be denied financial services because of their beliefs, association, or lawful activities
• When Americans can be denied financial services because of their beliefs, association, or lawful activities

Bills: HB2016, HB2104, HB2105, HB2174, HB2256, HB2289, HB2477, HB2903, HB2939, HB2979, HB2996, HB4103

Keywords: tax penalties, filing, tax returns, administration, Arizona Revised Statutes, agricultural property, classification, county assessor, property inspection, appeal process, property tax, agricultural classification, Department of Revenue, property valuation, inspection notice, inspection report, on-site inspection, full cash value, rural land, farm land

Summary: The committee first approved the March 9, 2026 minutes and held House Bills 29 and 2939 at the sponsor’s request. It then took up House Bill 2016, which would eliminate the late-filing penalty for taxpayers with zero income tax liability; after discussion about whether taxpayers still need to file to establish that they owe nothing, the committee adopted an amendment narrowing the bill to income tax filers and passed the bill 4-3. The Department of Revenue said it was neutral on the bill but supported the amendment. The committee next heard House Bill 2289, which updates the property-value examples used in bond/override election pamphlets and truth-in-taxation notices from older low values to $300,000. Supporters said the figures are outdated and should better reflect current home values; opponents questioned whether $300,000 was the best benchmark and whether adding another example would confuse voters. The bill passed 4-3. The committee also approved House Bill 4103, which bars school districts from calling bond elections if enrollment is below 50% of capacity. Supporters argued districts should use or monetize excess space before asking taxpayers for more debt, while school administrators and others said the measure would block needed maintenance, safety upgrades, and local decision-making. It passed 4-3. Two related agricultural property bills, House Bills 2104 and 2105, were both amended and passed 4-3. HB 2104 creates a four-year period after a successful agricultural property tax appeal during which assessors generally may not reclassify or reinspect the property absent changes in use, ownership, splits, or improvements. HB 2105 requires advance notice of inspections and inspection reports and provides a three-year inspection exemption after the most recent inspection, with similar exceptions. Farm and ranch groups said the bills provide fairness and certainty after successful appeals; county assessors opposed them as limiting oversight and creating unequal treatment. The committee also passed House Bill 2256 unanimously, which sets notice and title procedures for salvage auction dealers when insurance claims are denied or unpaid, and House Bill 2979 unanimously, which updates credit union regulatory timelines and procedures. Later, the committee passed House Bill 2996 unanimously, clarifying that certificates of insurance are informational only and cannot expand coverage or rights, with penalties for misrepresentations. It also heard House Bill 2174, which renames and updates regulation of insurance modeling and data organizations, requires model filings, and revises related reinsurance provisions; the discussion focused on how DIFI would regulate models versus the companies that create them, but no vote was taken in the portion provided. Finally, House Bill 2477 was introduced to conform Arizona’s 529 plan to federal law by increasing the K-12 withdrawal limit to $20,000, adding post-secondary credentialing expenses, and allowing rollovers to ABLE accounts and Roth IRAs if requirements are met; the sponsor and Treasurer’s Office supported it as a cleanup/conformity measure, and discussion began on how the new rollover options would work.

Transcript Highlights:

• First of all, we've got a number of bills to vote on, members.
• for a peace officer's services in executing or processing an arrest warrant under CAPIA. or capious
• Yeah, I think community service. This was added in? Yeah. In lieu of the... Thank you.
• This is the bill we heard last week that relates to the definition of an emergency service provider.
• for purposes of critical incident stress management and crisis response service.

Bills: HB867, HB1347, HB1801, HB1820, HB2197, HB2617, HB3110, HB3166, HB3330, HB4237, HB4342, HB4629, HB4933, HJR148

Keywords: criminal case dismissal, attorney discretion, law enforcement misconduct, judicial approval, evidence, judicial consent, transparency, healthcare, Medicare, insurance, elderly, retired, benefits, access, cost, criminal justice, case dismissal, prosecutorial discretion, law enforcement oversight, criminal procedure

Transcript Highlights:

• It was seized in the middle of a drug deal. How does this process work?
• It's a process that only a handful of Texas law... enforcement agencies can do.
• The Secret Service, at one point, interjected itself and said, "We caught some of it.
• The existing process allows law enforcement officials to dispose of unclaimed weapons.
• seizure of a weapon, the process for return of that weapon is clear, timely, and fair, reinforcing the

Bills: HB867, HB1347, HB1801, HB1820, HB2197, HB2617, HB3110, HB3166, HB3330, HB4237, HB4342, HB4629, HB4933, HJR148

Keywords: criminal case dismissal, attorney discretion, law enforcement misconduct, judicial approval, evidence, judicial consent, transparency, healthcare, Medicare, insurance, elderly, retired, benefits, access, cost, criminal justice, case dismissal, prosecutorial discretion, law enforcement oversight, criminal procedure

Transcript Highlights:

• May everyone here reflect your heart of service and inspire trust among us.
• the process it is going through, or rather the lack of a process.
• Representative Green: Is paid through the city of Orleans and by the payments of civil processing fees
• So what happens in the process of what you just read actually being implemented?
• The history of Louisiana after Reconstruction is a history of legislative ingenuity in the service of

Bills: HR192, HR193, HR194, HCR80, HCR81, HCR82, HCR83, HCR84, HCR85, HR188, HR189, HR190, HR191, SB134, SB140, SB281, SB331, SB384, SB389, SB415, SB451, SB458, SB479, SB504, SB523, HR38, HR96, HR160, HCR31, HCR61, SCR19, HB316, HB549, HB578, HB646, HB748, HB798, HB824, HB988, HB989, HB1001, HB1032, HB1081, HB1108, HB1129, HB1140, HB1157, HB1186, HB1192, HB1195, HB1198, HB1222, HB1244, SB73, SB89, SB128, SB149, SB191, SB196, SB238, SB318, SB340, HB225, HR1, HR17, HCR5, HCR4, HCR47, HCR32, HB362, HB893, HB990, HB1007, HB1153, HB1243, HB12, HB42, HB205, HB222, HB267, HB324, HB325, HB350, HB478, HB610, HB617, HB745, HB749, HB752, HB797, HB807, HB821, HB896, HB979, HB992, HB1000, HB1024, HB1050, HB1166, HB1172, HB1173, HB1207, HB1218, HB1223, SB162, SB349, SB350, SB382, SB383, SB127, SB244, SB256, HB911, HB306, HB366, HB1161, HB1230, HB59, HB481, HB772, HB897, HB1003, HB1008, HB1112, HB1180, HB1189, HB181, HB1118, HB901, HR20, HR74, HB284, HB393, HB458, HB459, HB525, HB577, HB582, HB605, HB614, HB682, HB733, HB773, HB864, HB996, HB1035, HB1058, HB1082, HB1113, HB1234, HB1240

Keywords: ACOG, maternal health, healthcare professionals, patient-physician relationship, obstetrics, gynecology, condolences, military service, veteran, community, memorial, visual acuity, student health, de-identified data, longitudinal analysis, education policy, property rights, carbon dioxide sequestration, expropriation, Landowner Bill of Rights

Transcript Highlights:

• the state of Alabama in working towards solutions that will benefit the people of Alabama.
• morning to all of you. morning to all of you.
• systems, of both of our two school systems, whether<00:09:39.120> St.
• Uh, but in light of that Thank you, Mr. Chairman, members of the committee.
• of the STEM hub.

Bills: HB130, HB190, HB123, HB250, HB130, HB190, HB123, HB250

Keywords: HB130, Alabama Board of Licensure for Professional Geologists, Sunset Law, sunset review, licensure board, professional geologists, geology, geologist licensing, board appointments, congressional district representation, gubernatorial appointments, state boards and commissions, professional licensing, regulatory board, Alabama Code 34-41-4, environmental engineering, geotechnical engineering, mining industry, petroleum industry, geological sciences

Transcript Highlights:

• In my real life, I'm in the financial services business, and so I get to see a lot of things working
• cost estimates of some of the mandates cost estimates of some of the mandates that<00:38:03.720>
• I would like to use my teenage years to enjoy the process of growing into a responsible, self-disciplined
• a enjoy the process of growing into a enjoy the process of growing into a responsible,<00:59:34.680
• official piece of business ahead of us. official piece of business ahead of us.

Bills: HF4502, HF3388, HF4106, HF400, HF4138, HF4118, HF4203

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Transcript Highlights:

• propulsion, no means of disposal of sewage or garbage or things like that.
• rafting is and things of that nature. rafting is and things of that nature.
• c> or means of um disposal of sewage or means of um disposal of sewage or garbage<00:13:26.959>
• It's kind of funny.
• <00:23:02.240> Um, It's kind of funny. Um, It's kind of funny.

Bills: HB2, HB163, SB326, HB17, HB363, HB2, HB163, SB326, HB17, HB363, SB333

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

Transcript Highlights:

• regarding the collection of fingerprints and related approval process.
• as part of a background check process.
• employees as part of a background<01:06:20.640> check<01:06:20.960> process.
• The Office of background check process.
• Requirement of fingerprinting as part of the background check process, and that comprehensive name-based

Bills: SB2275, SB2390, SB2540, SB3142, SB2414, SB2340, SB2848

Keywords: Medicaid, disability, buy-in program, workers with disabilities, income eligibility, premium structure, biomarker testing, health insurance, medical coverage, state law, health maintenance organization, juvenile justice, youth penalties, minors, court fees, court costs, fines, surcharges, restitution, fee waiver

Summary: The House Committee on Health heard testimony on a series of bills related to public health, pharmacy regulation, disability access, and health care infrastructure. HB 1535, creating an income tax credit for automated external defibrillator installations, drew support from the Department of Health, tax department comments, and public testimony emphasizing AED access in community and transit settings. HB 1765, requiring safety warnings for spear fishing gear, received comments from DLNR and strong support from a free-diving safety advocate who described blackout risks and argued for point-of-sale warnings. HB 1549, which would repeal the law prohibiting drug paraphernalia, drew mixed testimony: the Department of Health, the Public Defender, and harm-reduction advocates supported repeal as a public health measure, while HPD and a county prosecutor opposed it, warning it could encourage drug use and create public safety issues. The committee also heard HB 1550, which would exclude drug testing products from the definition of drug paraphernalia. The Department of Health and harm-reduction advocates supported the bill, saying drug checking tools save lives and help prevent overdoses, while one written opponent was noted. HB 1995, allowing people who are blind or deaf to receive disabled parking permits, drew opposition from the State Council on Developmental Disabilities, the Disability and Communication Access Board, and other opponents, while a few written supporters were also noted. HB 1671, allowing licensed dental hygienists to place interim therapeutic restorations in public health settings, received support from the Department of Health and several oral health organizations, with the Board of Dentistry offering comments. HB 1643, establishing a framework for pharmacy audits and record retrieval, prompted the most extended discussion. The Board of Pharmacy and independent pharmacy representatives supported the bill as a needed framework to limit burdensome audits and protect patient care, while HMSA raised concerns about possible conflicts with upcoming federal PBM reforms and potential unintended consequences. Committee members questioned both sides about timing and workload, and supporters argued the bill was needed now to protect rural and independent pharmacies. Finally, HB 1978, appropriating funds for a new outpatient care center in North Kona, received strong support from Hawaii Health Systems Corporation, Queen’s Health Systems, the Kona-Kohala Chamber, and others, who described it as a long-term investment in West Hawaii’s health care capacity and economy. No votes or final actions were taken in the portion of the hearing provided.

Transcript Highlights:

• as well, but I'm here to speak on behalf of the impact of the city of Birmingham.
• <00:12:34.720> state<00:12:34.880> of because of the ability of the state of because
• They have to go through the process to request the money out of the AOC fund and then use it.
• service. >> Throughout the state, cannot draw from two retirements unless based on the same amount of
• We'll bring it up next week. >> No, just tell me the process of what they would be doing in this post-election

Bills: SB182, SB251, SB252, HB74, HB159, HB292, SB182, SB251, SB252, HB74, HB159, HB292

Keywords: psychoactive cannabinoids, cannabis, beverage prohibition, criminal penalties, youth access, Jefferson County, pistol permit, gun permit, concealed carry, firearm permit, sheriff fee, permit fee, weapons license, gun licensing, school security, Jefferson County Sheriff's Fund, retirement system, Gardendale, Birmingham legislative office, local bill

Transcript Highlights:

• Father, this is my prayer for today, that we may do all of this with wisdom and courage as we go about
• your work on behalf of the people of the great state of Texas.
• The Chair recognizes the Dean of the Senate for a highly privileged motion. Thank you, Mr.
• President and members, I move that the Senate of the 89th Legislature first called session adjourned,

Bills: SB2, SB3, SB4, SB5, SB6, SB7, SB8, SB9, SB10, SB11, SB12, SB13, SB14, SB15, SB16, SB18, SB34, SB2, SB3, SB4, SB5, SB6, SB7, SB8, SB9, SB10, SB11, SB12, SB13, SB14, SB15, SB16, SB18, SB34, SB 2, SB 3, SB 4, SB 5, SB 6, SB 7, SB 8, SB 9, SB 10, SB 11, SB 12, SB 13, SB 14, SB 15, SB 16, SB 17, SB 18, SB 34, SB2, SB3, SB4, SB5, SB6, SB7, SB8, SB9, SB10, SB11, SB12, SB13, SB14, SB15, SB16, SB17, SB18, SB34

Keywords: flooding, public safety, outdoor warning sirens, disaster preparedness, emergency response, flood warning, outdoor sirens, local government, safety measures, flood management, emergency preparedness, municipal safety, disaster response, disaster relief, emergency funding, Meteorological forecasting, local government assistance, training facilities, Texas congressional redistricting, U.S. House districts

Transcript Highlights:

• Hall, Hinojosa of Nueces, Hinojosa of Hidalgo, Huffman, Hughes, Johnson, King, Kolkhorst, Menendez, Middleton
• Proclamation by the Governor of the State of Texas to all whom these presents shall come.
• be affixed at my office in the city of Austin, Texas, on the 15th day of August 2025.
• The Dean of the Senate.
• of the United States House of Representatives.

Bills: SB2, SB3, SB4, SB5, SB6, SB7, SB8, SB9, SB10, SB11, SB12, SB13, SB14, SB15, SB16, SB18, SB34, SB2, SB3, SB4, SB5, SB6, SB7, SB8, SB9, SB10, SB11, SB12, SB13, SB14, SB15, SB16, SB18, SB34, SB 2, SB 3, SB 4, SB 5, SB 6, SB 7, SB 8, SB 9, SB 10, SB 11, SB 12, SB 13, SB 14, SB 15, SB 16, SB 17, SB 18, SB 34, SB2, SB3, SB4, SB5, SB6, SB7, SB8, SB9, SB10, SB11, SB12, SB13, SB14, SB15, SB16, SB17, SB18, SB34

Keywords: flooding, public safety, outdoor warning sirens, disaster preparedness, emergency response, flood warning, outdoor sirens, local government, safety measures, flood management, emergency preparedness, municipal safety, disaster response, disaster relief, emergency funding, Meteorological forecasting, local government assistance, training facilities, Texas congressional redistricting, U.S. House districts

Transcript Highlights:

• <00:01:25.439> day<00:01:25.680> and journal of the preceding day and journal of the
• > her<00:02:02.399> family she's also co-owner of her family she's also co-owner of her
• Governor's message number 694 withdraws a nomination to the University of Hawaii Board of Regents. >>
• >> Third reading of Senate Bill 2723 >> Third reading of Senate Bill 2723 relating<00:04:
• 00:04:44.479> our the the House of Representatives and our the the House of Representatives and

Bills: SB2169, SB2263, SB2360, SB2359, SB2031, SB2796, SB3090, SB3091, SB3092, SB2120, SB2593, SB2751, SB2135, SB2024, SB2872, SB3179, SB2308, SB2392, SB2470, SB2398, SB2902, SB2841, SB2436, SB2806, SB2691, SB2824, SB2645, SB2384, SB2697, SB3153, SB3156, SB888, SB2423, SB2746

Keywords: business competitiveness, economic development, DBEDT, Department of Business Economic Development and Tourism, business climate, regulatory reform, permitting, economic ranking, state ranking, top 10 states, business climate improvement working group, business revitalization task force, CNBC America’s Top States for Business, Hawaii business climate, workforce development, infrastructure, cost of doing business, tax competitiveness, labor unions, private sector

Transcript Highlights:

• And I think we have a lot of superintendents in town the next couple of days.
• Over 65 years of age has an annual adjusted gross income of less than $12,000.
• to qualify for emergency medical services personnel certification from the Alabama Department of Public
• of Emergency Medical Services to the group of participating educational institutions.
• It's at the bottom of... just at... I can. It's at the bottom of page three. Yes.

Bills: HB226, HB24, HB309, HB315, HB272, HB24, HB226, HB309, HB315, HB272

Keywords: HB226, homestead exemption, ad valorem tax, property tax, property tax relief, widow, widower, unremarried spouse, surviving spouse, senior exemption, elderly, disabled, permanently and totally disabled, blind taxpayer, deed ownership, principal residence, school tax, county tax, municipal tax, Alabama Department of Revenue

Transcript Highlights:

• , introduction of doctor and/or nurse of the day, correction of previous day's journal, House and Senate
• funeral procession.
• But then the life-changing message of resurrection confronts the greatest of fears.
• And thank you for giving us the gift of new life in the power of your resurrection.
• of hope and support for thousands of Oklahoma families affected by autism.

Bills: SJR39, SJR47, SB227, SB1942, SB1627, SB625, SB1716, SB1303, SB2180, SB504, SB1209, SB1448, SB1597, SB1679, SB2182, SB2112, SB2170, SB2084, SB1496, SB1595, SB1655, SB1876, SB1621, SB1944, SB1266, SB2072, SB2104, SB1769, SB1827

Keywords: property valuation, tax limit, homestead, income threshold, elderly, constitutional amendment, voter ID, elections, Oklahoma, proof of identity, gross production tax, ad valorem tax, property exemption, Oklahoma Tax Commission, oil and gas production, regulatory impact, economic implications, dental insurance, health care, medical necessity

Bills: HR39, HR40, HR41, HCR19, HCR20, HCR21, HB2, HB3, HB15, HB441, HB976, HB977, HB978, HB979, HB980, HB981, HB982, HR19, HR20, HR21, HR22, HR23, HR24, HR25, HR26, HR27, HR28, HR29, HR30, HR31, HR32, HR33, HR34, HR35, HR36, HR37, HR38, HCR15, HCR16, HCR17, HCR18, SCR10, HB115, HB208, HB465, HB964, HB965, HB966, HB967, HB968, HB969, HB970, HB971, HB972, HB973, HB974, HB975, HB474, HB487, HB503, HB606, HB633, HB707, HB720, HB728, HB733, HB846, HB852, HB856, HB868, HB875, HB78, HB112, HB148, HB149, HB190, HB221, HB346, HB354, HB355, HB356, HB358, HB384, HB427, HB657, HB675, HB716, HB207, HB300, HB331, HB428, HB464, HB587, HB618, HB629, HB801, HB853, HB891, HB901

Keywords: St. Joseph's Day, Saint Joseph's Day, St. Joseph's Altar, Italian American, Italian heritage, Italian immigrants, Louisiana culture, New Orleans, Sicilian heritage, Catholic, Feast of Saint Joseph, cultural resolution, heritage caucus, legislative caucus, ethnic heritage, jazz history, Italian Louisiana, immigrant contributions, cultural recognition, House Resolution 40

Transcript Highlights:

• of government. of government.
• You know, certainly they have to go through the process of the court like everything else, with the grand
• You know, certainly they have to go through the process of the court like everything else, with the grand
• the victims of that, the result of us bringing this legislation to kind of close these loopholes, is
• >> We took care of that. >> We took care of that.

Bills: HB41, HB149, SB230, SB87, SB169, SB238, SB233, HB72, HB41, HB149, SB230, SB87, SB169, SB238, SB233, HB72

Keywords: sexual offenses, penalties, rape, sodomy, criminal justice, Judicial Branch, Alabama State Bar, legal profession, commissioners, government agency, campaign finance, security measures, candidates, elected officials, legislative protection, civil procedure, statute of limitations, real estate appraisers, legal complaints, appraisal board

Transcript Highlights:

• We just got through; we're in the process of finishing two behavioral health hospitals.
• process while respecting the rights of taxpayers and minimizing unnecessary administrative burdens.
• As a brewer, I can tell you that spent grain is the most significant byproduct of the brewing process
• I think what we see is... the existence of more faith-based organizations doing these types of services
• But we're still disabled as a direct result of their service to our country.

Bills: HB249, HB 1186, HB2313, HB2408, HB2508, HB2730, HB2974, HB3045, HB3232, HB3336, HB3710, HB4044, HB4236, HJR133, HB249

Keywords: ad valorem taxes, property taxes, homestead exemption, disabled veterans, senior citizens, tax payments, installment payments, municipal tax revenue, hotel, convention center, tax code, economic development, local government, municipality, tax revenue, qualified projects, municipal taxation, hotel project, municipality funding, veteran

Transcript Highlights:

• Chair and members of the committee, first of all, thank you.
• But all of the projects were completed after the January 1, 2020 change in the moratorium exception process
• three nursing homes in this kind of situation that started our processes before the 2020 change in the
• <00:02:06.479> 2020 of 2020 um in January 1 of 2020 of 2020 um in January 1 of 2020 legislature
• of situation that<00:03:10.080> started<00:03:10.480> our<00:03:10.879> processes

Bills: HF958, HF688, HF702

Keywords: mental health, behavioral health, psychiatric care, collaborative care model, healthcare funding, service dog, service animal, service dog in training, assistance dog, guide dog, disability rights, housing accommodations, fair housing, landlord, rental housing, homeowners association, HOA, Minnesota human services, accessible housing, reasonable accommodation

Transcript Highlights:

• And the process to get all of that... The station with all of these things.
• And the process to get all of that...
• And things like that very quickly, and the process to get all of that, to get them fixed or to get a
• It's not the point of the appeal where the civil service board has been like, don't fire the guy and
• It's not the point of the appeal where the civil service board has been like, don't fire, don't fire

Bills: SB1216, SB1391, SB1493, SB1520

Keywords: trauma, public safety, counseling, mental health, employee benefits, law enforcement, stress management, suicide prevention, workforce readiness, disciplinary action, appeals, termination, superior court, investigative process, reinstatement, immigration, data sharing, federal government, undocumented immigrants, visa overstays

Summary: The Committee on Public Safety and Law Enforcement heard several bills related to public safety personnel. SB 1520, which would have required state agencies to share certain immigration-related data with the federal government and sunset in 2029, was set aside after a proposed strike-everything amendment was defeated. The committee then voted 7-5 to give the underlying bill a do pass recommendation. SB 1216, which removes the sunset from traumatic event counseling programs for peace officers, firefighters, and 911 dispatchers and expands eligibility to crime scene and digital forensics technicians, drew support from police and fire representatives and passed 12-1 with a do pass recommendation. SB 1391 would create an AZ POST-administered law enforcement stress management pilot program, funded with a $950,000 general fund appropriation and operated through one Arizona nonprofit. The sponsor described it as a preventive, peer-support-focused program, but several members objected that the bill was overly prescriptive and looked like a vendor-specific measure. The committee voted 5-7 against giving SB 1391 a do pass recommendation. SB 1493, as amended, would require employers to pay taxable costs, attorney fees, and expert fees when a law enforcement officer who was terminated without just cause prevails through the administrative appeal process and then in Superior Court after the employer refuses reinstatement. Supporters argued it was a fairness and due process measure for rare cases where officers must litigate twice to be reinstated. After adopting a chairman’s amendment, the committee approved SB 1493 as amended with a due pass recommendation by an 8-3 vote, with one member changing from yes to no before the final tally.

Bills: SB 868, SB 1337, SB 1371, SB 1377, SB 1426, SB 1620, SB 2064, SB 2065, SJR 4

Keywords: tax penalties, interest calculation, overpayment, tax law, refund process, historic preservation, heritage tourism, public engagement, Texas Historical Commission, education, pension system, actuarially sound, emergency services, legacy liability, anonymized contributions, economic stabilization fund, state finance, constitutional amendment, budget management, financial security