Transcript Highlights:

• subscription.
• five-year subscription at 10k per year. five-year subscription at 10k per year.
• a<00:27:56.080> five-year<00:27:56.800> subscription.
• And so with then I will move amendment 1330S. and Human Services and and Human Services and they<00:40
• and Human Services. and Human Services.

Keywords: 1191, senate, all

Transcript Highlights:

• Crystal Wessing, General Services Director.
• Page 72 is statewide customer service.
• subscription costs that are built into this.
• So, hey, it's in service now. That's great. It works great in service now.
• , in the Department of Social Services, are in the Social Services budget, but the majority are housed

Keywords: 959, house, all

Transcript Highlights:

• Service quality.
• For broadband services.
• The ability to have a cell phone subscription and some kind of a fixed subscription, that is less so
• Broadband internet subscription or an internet subscription?
• services that people are getting.

Transcript Highlights:

• I know his dad was very proud of his service. Senator Adley, I see over there.
• Her talents and achievements are varied, from the arts to community service to history.
• Savoie devoted 35 years of service to the University of Louisiana at Lafayette. Dr.
• Savoie for many years of service.
• Members, this really seeks to provide better access to services for survivors of sexual assault.

Bills: SR146, SCR12, HB221, HCR115, HCR116, HCR58, HB1, HB312, HB313, HB314, HB383, HB983, HB1126, HCR3, HB2, HB3, SCR3, SB56, SCR9, SCR58, SB35, SB65, SB215, SB246, SB249, SB269, SB282, SB296, SB323, SB363, SB369, SB474, SB490, SB492, SB500, SB514, HCR27, HCR28, HCR66, HCR67, HCR72, HCR5, HCR32, HCR49, HCR50, HCR53, HCR60, HCR62, HCR64, HCR68, HCR78, HCR81, HCR86, HCR97, HCR102, HCR31, HCR47, HB476, HB481, HB487, HB492, HB549, HB579, HB608, HB621, HB624, HB626, HB632, HB637, HB656, HB722, HB745, HB804, HB818, HB821, HB833, HB864, HB867, HB874, HB893, HB909, HB951, HB968, HB969, HB978, HB979, HB988, HB989, HB1001, HB1005, HB1007, HB1024, HB1032, HB1050, HB1051, HB1056, HB1059, HB1077, HB1080, HB1081, HB1086, HB1108, HB1112, HB1153, HB1172, HB1173, HB1175, HB1192, HB1193, HB1204, HB1218, HB1242, HB1244, HB1249, HB1252, HB1254, HB42, HB45, HB71, HB79, HB158, HB160, HB169, HB227, HB251, HB289, HB330, HB394, HB410, HB429, HB769, HB971, HB1017, HB1234, HB1235, HB9, HB177, HB181, HB202, HB223, HB225, HB387, HB398, HB457, HB459, HB540, HB591, HB616, HB766, HB775, HB783, HB895, HB906, HB950, HB975, HB1052, HB1057, HB1076, HB1100, HB1139, HB1155, HB1160, HB1182, HB1186, HB1220, HB1223, HB1224, HB1228, HB1231, HB1245, HB1256, HB17, HB27, HB36, HB41, HB47, HB73, HB126, HB133, HB140, HB159, HB166, HB205, HB211, HB226, HB259, HB271, HB308, HB310, HB324, HB337, HB351, HB399, HB403, HB571, HB712, HB723, HB726, HB740, HB750, HB759, HB812, HB844, HB966, HB1006, HB1009, HB1018, HB1036, HB1038, HB1107, SB29, SB42, SB78, SB208, SB217, SB274, SB300, SB341, SB379, SB382, SB387, SB401, SB441, SB449, SB487, HB74, HB134, HB258, HB359, HB468, HB956, HB1117, SB43, SB149

Keywords: SR146, Senate Resolution 146, Louis Thomas Nelson, Thomas Nelson, condolences, memorial resolution, tribute, obituary, public service, St. Martinville, Cade, St. Martin Parish, police juror, mayor, community center, water system, school bus driver, school board, Louisiana Senate, sympathy

Transcript Highlights:

• I know his dad was very proud of his service. Senator Adley, I see you over there.
• Her talents and achievements are varied, from the arts to community service to history.
• Savoy devoted 35 years of service to the University of Louisiana at Lafayette. Dr.
• Savoy for many years of service.
• Members, this really seeks to provide better access to services for survivors of sexual assault.

Bills: SR146, SCR12, HB221, HCR115, HCR116, HCR58, HB1, HB312, HB313, HB314, HB383, HB983, HB1126, HCR3, HB2, HB3, SCR3, SB56, SCR9, SCR58, SB35, SB65, SB215, SB246, SB249, SB269, SB282, SB296, SB323, SB363, SB369, SB474, SB490, SB492, SB500, SB514, HCR27, HCR28, HCR66, HCR67, HCR72, HCR5, HCR32, HCR49, HCR50, HCR53, HCR60, HCR62, HCR64, HCR68, HCR78, HCR81, HCR86, HCR97, HCR102, HCR31, HCR47, HB476, HB481, HB487, HB492, HB549, HB579, HB608, HB621, HB624, HB626, HB632, HB637, HB656, HB722, HB745, HB804, HB818, HB821, HB833, HB864, HB867, HB874, HB893, HB909, HB951, HB968, HB969, HB978, HB979, HB988, HB989, HB1001, HB1005, HB1007, HB1024, HB1032, HB1050, HB1051, HB1056, HB1059, HB1077, HB1080, HB1081, HB1086, HB1108, HB1112, HB1153, HB1172, HB1173, HB1175, HB1192, HB1193, HB1204, HB1218, HB1242, HB1244, HB1249, HB1252, HB1254, HB42, HB45, HB71, HB79, HB158, HB160, HB169, HB227, HB251, HB289, HB330, HB394, HB410, HB429, HB769, HB971, HB1017, HB1234, HB1235, HB9, HB177, HB181, HB202, HB223, HB225, HB387, HB398, HB457, HB459, HB540, HB591, HB616, HB766, HB775, HB783, HB895, HB906, HB950, HB975, HB1052, HB1057, HB1076, HB1100, HB1139, HB1155, HB1160, HB1182, HB1186, HB1220, HB1223, HB1224, HB1228, HB1231, HB1245, HB1256, HB17, HB27, HB36, HB41, HB47, HB73, HB126, HB133, HB140, HB159, HB166, HB205, HB211, HB226, HB259, HB271, HB308, HB310, HB324, HB337, HB351, HB399, HB403, HB571, HB712, HB723, HB726, HB740, HB750, HB759, HB812, HB844, HB966, HB1006, HB1009, HB1018, HB1036, HB1038, HB1107, SB29, SB42, SB78, SB208, SB217, SB274, SB300, SB341, SB379, SB382, SB387, SB401, SB441, SB449, SB487, HB74, HB134, HB258, HB359, HB468, HB956, HB1117, SB43, SB149

Keywords: SR146, Senate Resolution 146, Louis Thomas Nelson, Thomas Nelson, condolences, memorial resolution, tribute, obituary, public service, St. Martinville, Cade, St. Martin Parish, police juror, mayor, community center, water system, school bus driver, school board, Louisiana Senate, sympathy

Summary: The Senate opened with roll call, a prayer by campus pastor Anthony Brown, and the Pledge of Allegiance. After the journal was read, the chamber took up a series of resolutions and bills, beginning with measures directing studies on mineral servitudes, student non-enrollment determinations, autism services, school nurse orientation, declining school enrollment, behavioral health and homelessness, floodplain map updates, opioid treatment in correctional facilities, oversized vehicle permits, rural economic development, hunting education in schools, and fraud prevention for seniors. Several local and commemorative resolutions were also adopted, including Tangipahoa Parish Fair Day, recognition of Lane Frenchy Boudreau’s military service, and a memorial resolution honoring Bob Bowman. Personal privilege remarks also recognized festival royalty, the Westlake High School baseball team, Dr. E. Joseph Savoy, and 101-year-old Thelma Smith Williams. The Senate concurred in or adopted numerous House concurrent resolutions, often after brief explanations and, in some cases, amendments. These included measures on criminal history background checks for ambulance personnel, autism support services, school nurse orientation, acute care access for individuals with developmental disabilities, child abuse reporting training, physical therapy student loan eligibility, migratory waterfowl research, and a task force on senior fraud prevention. The chamber also adopted resolutions related to seafood competitiveness, bridge backup motors, I-12 improvements, and a Louisiana Energy Protection Act-style climate litigation measure, along with a resolution supporting Preeclampsia Day and a new Woman’s Hospital initiative. The Senate then moved through a long calendar of House bills on third reading and final passage. Bills passed included measures on Safe Haven Law postings in schools, official journal pricing, the Governor’s Task Force on Impaired Driving, the Bayou Growth Opportunity Workforce Program, sexual assault survivor rights, intercollegiate athletics revenue-sharing records, renewable energy recycling, school emergency operations plans, the Louisiana FIRST data system, oilfield site restoration fees, inmate programming, automatic reinstatement of suspended driver’s licenses, special vehicle permits, climate-change damages, the Louisiana Center for State Schools, the Sexual Assault Survivor Empowerment Task Force, fire limits, police chief appointment in Folsom, digitized credentials, Sewage and Water Board procurement, behavioral health crisis insurance coverage, the Louisiana Talent Accelerator Office, indigent defender fee thresholds, prestige license plates, public license tag agent fees, highway naming, public defender terminology cleanup, an improvement district in Orleans Parish, a Democratic Party license plate, DWI-related substance definitions, commercial driver’s license rules, and a Shreveport demolition/local property bill. Several measures drew debate, especially HB 608 on athletics revenue-sharing transparency, which passed 32-13 after concerns about public records and taxpayer transparency. The final bill mentioned, HB 1059 on TOPS math requirements, was introduced at the end of the transcript but its disposition was not shown.

Transcript Highlights:

• ETSs service, 10,000. Um, general administrative support is 1.5 million.
• 10,000 um general 50,000 ETSs service 10,000 um general administrative<00:03:01.200> support<
• Chairman, is this subscription could give us economic modeling down to the county level in Wyoming.
• I'm happy to stand for any questions. to buy the subscription to an economic to buy the subscription
• could give us economic subscription could give us economic modeling<00:06:54.800> down<00:06:

Bills: HB0105, HB0107, SF0002

Keywords: K-12 education, school facilities, security improvements, public funding, state appropriations, school construction, local government funding, sales tax distribution, municipal funding, economic equity, state revenue, Wyoming Legislature, legislative appropriations, Legislative Service Office, LSO budget, general fund, biennial budget, legislative branch, legislator travel, per diem

Transcript Highlights:

• Rate increases totaling $33.6 million were provided for Medicaid, home and community-based services for
• It removes the budget and position to move the Office of Aircraft Services in the Division of Administration
• Office of Aircraft Services, $3.2 million and four T.O. positions.

Bills: HB1, HB2, HB3, HB312, HB313, HB314, HB383, HB983, HB1126, HCR3

Keywords: state budget, appropriations, education funding, public health, social services, government operations, state institutions, capital outlay, budget, infrastructure, appropriation, general obligation bonds, bond authorization, capital improvement, financial management, state treasury, funding, state general fund, local government, fiscal year

Transcript Highlights:

• . >> Yes, where we have duplication of services, uh, high overhead with administrative staffs and for
• 11:47.920> have<00:11:48.880> duplication<00:11:49.600> of<00:11:49.839> services
• ,<00:11:50.720> uh, we have duplication of services, uh, we have duplication of services,

Bills: HB8, HB380, HB8, HB380

Keywords: tobacco regulation, vaping, sales restrictions, youth protection, tobacco compliance, public health, education programs, electronic nicotine delivery systems, human cloning, criminal penalties, embryo, genetic modification, bioethics, campus chaplain, chaplain, school chaplain, volunteer, public K-12 schools, public schools, public charter schools

Transcript Highlights:

• Their service will already have ended.
• Forest Service, and the Director of the U.S. Fish and Wildlife Service.
• days ago, children at a North Phoenix mosque were attacked by gunfire after leaving Ramadan prayer services
• And it's a service that CAIR provides. Thank you for the questions. Thank you, ma'am. Thank you.

Bills: HB2908, HB4042, HCM2001, HCM2002, HCM2005, HCM2006, HCR2047

Keywords: constitutional convention, faithless delegates, state delegates, oath of office, class 2 felony, civil penalties, parent-child relationship, termination of parental rights, child welfare, court procedures, abandonment, neglect, reunification services, felony conviction, Muslim Brotherhood, terrorism, foreign terrorist organization, national security, Islamist extremism, Congress

Summary: The committee approved the March 9, 2026 minutes and then heard House Bill 2908, which would require any approved U.S. constitutional amendment to be ratified by bill and gubernatorial action, create oath and reporting requirements for convention delegates, and impose penalties for “faithless” delegates. The sponsor and supporters argued the bill was a needed safeguard against a runaway Article 5 convention, while opponents said the proposed guardrails would be ineffective and could create a false sense of security. An amendment changing recall to disqualification was adopted, and HB 2908 as amended passed 4-3. The committee then considered HCR 2047, a memorial supporting the use of “Judea and Samaria” instead of “West Bank” in official state communications. Supporters framed it as a matter of historical and biblical accuracy and solidarity with Israel, while opponents argued it injected the legislature into an international conflict and raised First Amendment and civil-rights concerns. The memorial passed 4-3. The committee also passed HCM 2006, urging Congress to reform the Endangered Species Act and Migratory Bird Conservation Act in response to Mexican gray wolf impacts on ranchers, and HB 4042, which clarified the evidence needed to terminate a parent-child relationship by requiring a potential father to both file and serve a paternity action within 30 days. Later, HCM 2005 passed 4-3 after debate over restricting foreign ownership of real property by communist or authoritarian governments. The committee then took up HCM 2001 and HCM 2002, both focused on Muslim organizations: HCM 2001 urged the President and Congress to designate the Muslim Brotherhood as a foreign terrorist organization, and HCM 2002 urged a review of CAIR for possible terrorist designation. Witnesses and members opposing both measures argued that state lawmakers lacked authority or evidence for such designations and that the memorials would stigmatize Muslim communities and chill civic participation; supporters described them as appropriate statements of concern. Both memorials passed 4-3, and the committee adjourned after completing its calendar.

Bills: HB446, HB446

Keywords: HB446, Daphne, Baldwin County, annexation, municipal boundary, corporate limits, local act, municipal incorporation, city limits expansion, zoning, land use, property tax, municipal services, Section 11-42-6, Judge of Probate, County Road 54 W, County Road 64, Rigsby Road, Highway 181, Alabama State Highway 181

Bills: HB3724, HB3392, HB3466, HB4060

Keywords: high-demand facilities, electric utilities, public infrastructure, water management, taxpayer-funded subsidies, decommissioning plans, local control, citizen initiative, referendum, electric utility, large load customers, infrastructure, utility planning, electricity rates, cost allocation, data centers, artificial intelligence, advanced manufacturing, ratepayer protection, HB3466

Bills: SB2445, SB2125, SB2355, SB2834, SB3237

Keywords: pedestrian, fines, traffic laws, economic vulnerability, safety, walking, public transportation, teacher licensing, teacher shortage, emergency hire, unlicensed teacher, out-of-field teaching, licensed teachers, charter schools, Department of Education, DOE, Board of Education, licensure requirements, teacher certification, alternative licensure

Transcript Highlights:

• Primary care is the gatekeeper to health care services.
• So he's also looking at a new service line. Mr.
• Kaiser is better able to speak to the service line question, but those additional services he would also
• And so this program is A way to really leverage and extend services for the critical medical services
• And so this program is a way to really leverage and extend services for the critical medical services

Bills: SB21, SB42, SB81, SB101, SB139

Keywords: SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation, senior health coverage, elderly, retiree, Medicare beneficiaries, preexisting conditions, underwriting restrictions, premium discrimination, New Mexico insurance law, superintendent of insurance, health care coverage, policy portability, healthcare

Transcript Highlights:

• In exchange, inpatient services close, and the hospital, in shuttering those inpatient services, focuses
• Great service. I'm a great proponent of nurse practitioner.
• Great service. I'm a great proponent of nurse practitioners. She did a great job.
• Great service. I'm a great proponent of nurse practitioners. She did a great job.
• And I I think go um to receive services.

Bills: SB63, SB80, SB63, SB80

Keywords: immigration, law enforcement, fingerprints, DNA collection, illegal aliens, Alabama state law, SB80, Buddy Sharpless Education Institute, Alabama Local Government Training Institute, county commissioner training, local government training, ethics training, State Ethics Commission, county commissioners, Association of County Commissions of Alabama, local emergency management director, public officials, municipal officials, Alabama Code Title 11, Alabama Code Title 31

Transcript Highlights:

• So health care sharing services provide coverage of health care costs to its most...
• However, the federal court system lacks suitable services for juveniles and often tries them as adults
• Some congregations who can't afford hiring an outside security service are using volunteers.
• Church members who are currently providing security services without a license are operating in that
• Thank you for your time and your service to the state of Florida. Thank you very much.

Bills: S0052, S0502, S0624, S0758, S0834, S0840

Keywords: places of worship, house of worship, church, mosque, synagogue, religious security, armed security, volunteer security, private security, security guard licensing, licensure exemption, Florida Statutes chapter 493, Class G license, Class C license, security services, faith-based institutions, public safety, military jurisdiction, delinquency, concurrent jurisdiction

Summary: The committee considered several bills and reported each favorably. SB 624, by Senator Yarborough, would allow batterers intervention programs to offer optional supplemental faith-based activities, with no participant required to take part. Supporters said it would expand provider options and help address a shortage of certified programs; opponents raised concerns about mixing government-ordered programming with religion and about the state’s prior rule change. The bill passed 7-2. The committee also approved CS/SB 834, which repeals a 2022 restriction barring licensed insurance agents from partnering with health care sharing ministries to market or sell their programs. The sponsor and supporters argued the bill restores free speech, consumer choice, and access to faith-based alternatives, while opponents warned about consumer confusion, higher commissions, and weak protections because these ministries are not insurance. After extended debate, the measure passed 8-2. Other measures advanced unanimously or near-unanimously. CS/SB 502, as amended, would give Florida concurrent jurisdiction over certain juvenile offenses on military installations so juveniles can be handled in the state system; it passed 9-0. CS/SB 52 would exempt volunteer armed security for houses of worship from Class D or G licensing requirements, and supporters cited rising threats to churches and the need for organized volunteer security; it passed 9-0. SB 840, a cleanup bill to narrow and clarify last year’s emergency-related land-use restrictions after hurricanes, also passed 9-0, and CS/SB 758, which updates the membership of the Justice Administration Commission, passed 9-0 after an amendment restoring two public defenders to the commission.

Bills: HB40, HB1916, HB1973, HB2524, HB2530, HB3180, HB3421, HB3783, HB4170, HB4213

Keywords: business court, civil procedure, litigation, jurisdiction, arbitration, divorce, property division, family law, court jurisdiction, marital assets, parent-child relationship, birth certificate, identity proof, Family Code, court process, attorney fees, court costs, legal expenses, dispute resolution, child support

Summary: The committee considered several House bills dealing with family law and civil procedure. House Bill 1916, concerning a court’s jurisdiction in suits to divide property not divided on dissolution of marriage, was reported favorably on a 4-0 vote and recommended for the local and uncontested calendar. House Bill 1973, addressing proof of the identity of a child’s parents in a suit affecting the parent-child relationship, was also adopted with a committee substitute, reported favorably 4-0, and sent to the local and uncontested calendar. House Bill 2524, on recovery of fees, court costs, and expenses in family law proceedings, and House Bill 2530, on special appointments in suits affecting the parent-child relationship, each received favorable 4-0 votes and were likewise recommended for the local and uncontested calendar. The committee then took up House Bill 3180, which was reported favorably 4-0 and recommended for the local and uncontested calendar. The most detailed discussion centered on House Bill 40, relating to updates to business courts. Senator Hughes explained a committee amendment that made conforming changes requested by the Finance Committee and removed language creating two new judgeships, replacing it with a different judge allocation. The amendment was adopted, the amended committee substitute was adopted, and the bill was reported favorably on a 4-0 vote and sent to the local and uncontested calendar. At the end of the meeting, members briefly clarified procedural details about the House Bill 40 amendment and then closed out the agenda. The committee also noted a correction to an earlier reference to Bartleby the Scrivener, and the Chair recessed the Committee on Jurisprudence subject to the call of the chair.

Transcript Highlights:

• I'm the Associate Deputy Attorney General for Child Support Legal Services, and I'm here as a resource
• Thank you, Senator Hughes and committee for your service.
• Often service members deploy and return home. They face divorce and separation.
• So in this situation, what happens with those service members that live out of state and the child has
• So in this situation what happens with those service members that live out-of-state?

Bills: HB40, HB1916, HB1973, HB2524, HB2530, HB3180, HB3421, HB3783, HB4170, HB4213

Keywords: business court, civil procedure, litigation, jurisdiction, arbitration, divorce, property division, family law, court jurisdiction, marital assets, parent-child relationship, birth certificate, identity proof, Family Code, court process, attorney fees, court costs, legal expenses, dispute resolution, child support

Summary: The committee heard several House bills, most of them relating to family law and court procedure, and left each bill pending after testimony. House Bill 1916 would clarify that the court that issued a final divorce decree retains exclusive jurisdiction over later actions involving undivided property. House Bill 1973 would require a certified birth certificate, if reasonably available, to be filed with a SAPCR petition or allow alternative proof of parentage while keeping the information confidential. House Bill 2530 would add qualifications and procedural safeguards for appointing amicus attorneys in SAPCR cases, including notice and hearing requirements, minimum qualifications, conflict rules, and limits on what amicus attorneys may do. House Bill 2524 would make Family Code references to attorney’s fees consistent by using “reasonable and necessary” language. House Bill 3180 would correct a scrivener’s error in the civil discovery rules by changing “settlement” to “statement.” The committee also heard House Bill 4213, which would change the interest rate on overdue child support from the current 6 percent simple interest to a fixed 5 percent and require the Attorney General to report on the impact of the change. Testimony was sharply divided: supporters argued lower interest could improve collections and help low-income obligors catch up, citing research and the size of child-support arrearages; opponents said lowering the rate would reduce incentives to pay and harm custodial parents and children. The Attorney General’s office raised implementation concerns about a House version that would have created a variable rate, while the committee substitute was described as restoring a simple fixed rate. After testimony, the bill was left pending. The committee also discussed House Bill 40, updating business court provisions and supplemental jurisdiction; House Bill 3421, streamlining probate procedures for original wills and copies; and House Bill 417, clarifying venue for lawsuits involving private transfer fees on real property. Each drew limited testimony and was left pending. Finally, House Bill 3783 drew extensive testimony on court-ordered counseling and reunification therapy in family cases. The sponsor and supporters said the bill would protect children and abuse victims from coercive, unregulated reunification practices, while opponents argued it was too broad, could interfere with legitimate therapy and judicial discretion, and might affect military families and other high-conflict cases. The committee heard testimony from judges, therapists, parents, survivors, and advocates, but took no final action and left the bill pending.

Transcript Highlights:

• programming like education, health care, substance use treatment, vocational training, and chapel services
• It also authorizes the Texas Department of State Health Services to suspend, revoke, or deny emergency
• medical service certificates or licenses of personnel providers or affidavits having stopped related
• And enhances safety within the essential health care services.
• Department of Criminal Justice to include victim services and sex offender rehabilitation programming

Bills: HB1826, HB1969, HB2708, HB2729, HB3618, HB4515, HB4764, SB1021, SB1610

Keywords: mental health, women's health, county jail, depression screening, criminal justice, inmate release, identification certificate, Texas Department of Corrections, personal identification, driver's license, state law, reentry services, nondisclosure, criminal history, criminal defendants, community supervision, misdemeanors, felonies, rehabilitation, hearsay

Transcript Highlights:

• All they want to do is get back to work to serve and provide public service.
• In public service where they want to be.
• Many federal workforce programs will allow for more streamlined access to funding and services.
• I'm the president of Owner Operator Services based in Plano, Texas.
• David Whitehurst, Owner, Operator Services, Inc., testifying for the bill. Yes, sir.

Bills: HB875, HB1667, HB2369, HB3844, HB4415, HB4479, HB4483, HB4676, HB5118, HB5400, HB5545

Keywords: workers' compensation, municipal construction, bidding requirements, small municipalities, contracting policies, first responders, PTSD, mental health, emergency services, medical expenses, injury claims, insurance carriers, opportunity youth, workforce development, employment, education, federal funds, employment discrimination, immunity waiver, public employees

Bills: SB 312, SB 945, SB 946, SB 1367, SB 1861, SB 2044, SB 2337, SB 2403, SB 2819, SJR 54

Keywords: public school funding, education, budget allocation, financial transparency, state law, local control, fiduciary responsibility, public retirement systems, investment management, proxy voting, financial factors, insurance, political shareholder proposals, fossil fuels, greenhouse gas emissions, environmental regulation, discrimination, credit extension, social credit, value-based standards