Video & Transcript Research : 'binding arbitration'
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OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 30th, 2026 at 01:45 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- Share some stories about some of the things that he dealt with, some of the people he got out of a bind
Bills:
HB1168
Keywords:
abortion, abortion-inducing drugs, medication abortion, mifepristone, misoprostol, methotrexate, pro-life, pro-choice, reproductive health, unborn child, trafficking, felony, contraception, pharmacist, pharmacy, Title 63, Oklahoma statutes, abortion pill, drug distribution, criminal penalty
OK
Oklahoma 2026 Regular Session
Agriculture and Wildlife Apr 13th, 2026 at 10:00 am
Agriculture and Wildlife
Transcript Highlights:
- 300 bucks for a whole bunch of starving kids, and some of them that could put them in a financial bind
Keywords:
veterinary medicine, definitions, animal husbandry, board of veterinary examiners, telemedicine, veterinarian-client relationship, animal welfare, commercial pet breeders, licensing, advertising, animal cruelty, Oklahoma Agricultural Extension, local funding, financial institutions, county extension services, state funds, wildlife conservation, hunting regulations, mountain lions, black bears
MO
TX
Transcript Highlights:
- If no timely objection is filed, the reviewer's finding is binding, and a permit must be issued.
TX
Transcript Highlights:
- case to then make their case that those costs weren't justified, um, which puts consumers in a real bind
Keywords:
occupational licenses, renewal, Texas Commission on Environmental Quality, registration, license expiration, HB 2663, inactive well, plugging extension, Railroad Commission of Texas, RRC, oil and gas, orphan wells, well cleanup, well plugging, abandoned wells, surface equipment removal, electric service termination, administrative penalty, Natural Resources Code, Section 89.029
Summary:
The Senate Committee on Natural Resources heard several House bills dealing with environmental regulation, oil and gas safety, landfill permits, and utility cost recovery. HB 1237, by Rep. Geren and sponsored by Sen. Zaffirini, would extend TCEQ occupational license renewal deadlines from 30 days to 90 days, allow renewal up to one year with higher fees, and require a new application after longer expiration; the committee substitute clarified that applicants may continue working only until renewal is approved or denied and set a 180-day cutoff for renewal. HB 3071, sponsored by Sen. Hancock, would require TCEQ to cancel certain long-dormant municipal solid waste permits; members discussed concerns about precedent, ownership changes, and whether the bill should be narrowed, and the bill was left pending with a committee substitute expected.
The committee also heard HB 2663, sponsored by Sen. Birdwell, which would require operators of inactive oil and gas wells to remove or de-energize electrical equipment after 10 years and authorize Railroad Commission penalties for false compliance. Testimony from landowners, cattle raisers, and the Sierra Club supported the bill as a wildfire-prevention measure, and the bill was left pending. HB 4384, also by Rep. Darby and sponsored by Sen. Birdwell, would let natural gas utilities defer certain infrastructure costs for later recovery through the GRIP process; utility representatives supported it as credit-positive and consistent with existing accounting, while consumer advocates opposed it as increasing rates without enough oversight. The committee discussed possible amendments to add more cost controls, and the bill was left pending.
Later, the committee voted HB 2563, the companion to SB 2510, favorably to the full Senate by a 5-0 vote and ordered it certified for the local and uncontested calendar. The committee then took up HB 143, which would codify interagency procedures for addressing electrical power line safety at well sites and related facilities after wildfire concerns; members said a committee substitute had been negotiated with agencies and stakeholders to clarify responsibilities, timelines, and inspection authority while reducing fiscal impact. No final vote was taken on HB 143, and the committee recessed with several bills still pending.
TX
Texas 89th Regular
Water, Agriculture, and Rural Affairs May 5th, 2025
Water, Agriculture and Rural Affairs
Transcript Highlights:
- These easements are legally binding agreements that limit development to preserve the land's agricultural
Keywords:
agricultural conservation, land preservation, environmental protection, wildlife habitat, Texas Farm and Ranch, groundwater conservation district, Texas Water Code, water permit, permit amendment, groundwater permit, water rights, aquifer, well registration, exempt wells, beneficial use, water conservation, groundwater quality, well plugging, Hill Country Priority Groundwater Management Area, surface water resources
Summary:
The Senate Water, Agriculture, Rural Affairs Committee heard several bills focused on groundwater management, water infrastructure, and agricultural land conservation. SB 612 would limit certain water districts in Hidalgo, Cameron, and Willacy counties from charging developers pipeline construction fees above actual, documented costs; the committee substitute removed a developer challenge mechanism to preserve district discretion over construction standards. HB 1633 would require groundwater conservation districts to consider registered exempt wells when reviewing or amending permits, and testimony from landowners, district representatives, and advocacy groups largely supported the bill as a way to protect domestic and livestock wells from drawdown caused by large export projects. HB 1689 would clarify that export fee revenues may be used for well operability, alternative water supplies, and aquifer monitoring, including through interlocal cooperation, and HB 3058 would give the Post Oak Savannah Groundwater Conservation District authority to use export fees for county road improvements and environmental programs tied to well inspection and groundwater management. HB 2018 would clarify that the Texas Farm and Ranchland Conservation Program is intended to purchase conservation easements only on working agricultural lands, with support from cattle raisers and Farm Bureau representatives. The committee also considered HB 29, which would require large water systems to validate water loss audits and submit mitigation plans; a committee substitute removed the water-loss threshold and adjusted the timeline for more detailed validation. Public testimony on the bills was generally supportive, with several witnesses describing declining well levels, road damage from export projects, and the need to preserve agricultural land and local water supplies. The committee adopted committee substitutes and voted favorably on HB 29, HB 1689, HB 2018, SB 612, and SB 3058, recommending several of them for the local and uncontested calendar; HB 1633 was left pending awaiting a committee substitute.
US
US Federal 2025-2026 Regular Session
Hearings to examine the Freedom of Information Act, focusing on perspectives from public requesters. Apr 8th, 2025 at 09:15 am
Senate Judiciary
Transcript Highlights:
- strengthening the remedies at OGIS, resourcing that office better for mediation services or perhaps even more binding
FL
Florida 2025 Regular Session
Appropriations Committee on Pre-K - 12 Education Mar 11th, 2025
AL
Alabama 2025 Regular Session
Alabama Senate County and Municipal Government Committee Feb 25th, 2025
County and Municipal Government
Transcript Highlights:
- the people that are out there, blue-collar workers or whoever they are, you know, we put them in a bind
Keywords:
business taxes, annual reports, Alabama Tax Tribunal, tax appeals, local government, media monitoring, government contracts, state agencies, local agencies, media regulations, transparency, juvenile detention, county management, legal procedures, juvenile justice, county commission, supervision, administration, emergency services, 911
TX
Transcript Highlights:
- They don't have an elected school board binding them to their community. have any open meetings requirements
Keywords:
Maverick County, recognition, economic development, Texas Senate, community celebration, 1185, senate, all
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, January 15, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- They are non-binding.
- But what this bill would do is make it harder for shareholders to vote to put even non-binding items
- for shareholders to vote to put harder for shareholders to vote to put even<00:32:10.080>
non-binding - 12.000>
in <00:32:12.240>front <00:32:12.320>of <00:32:12.399>a even non-binding - items in front of a even non-binding items in front of a board<00:32:13.039>
to <00:32:13.360>
FL
Florida 2026 Regular Session
FL House Floor Session - 2025-04-30 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- , the court and a shark found no equal protection problem and caps on non-economic damages and arbitrations
- strengthens consumer disclosure requirements, which must be signed by the policyholder prior to the binding
Summary:
The Senate opened with prayer, the Pledge of Allegiance, and several recognitions, including interns, Denim Day awareness, a resolution honoring Vietnam veterans exposed to Agent Orange, and a remembrance of former Senator Karen Johnson Gendron. The chamber then moved to special order bills. CS/HB 687 on transportation offenses involving death was substituted for SB 138, amended to add warnings and penalties for refusal of breath or urine tests, and passed 37-0. CS/SB 306 on Medicaid providers, requiring broader after-hours access and network availability for Medicaid enrollees, also passed 37-0.
The Senate then took up CS/CS/HB 913 on condominium associations, a major post-Surfside reform bill. Senator Bradley explained that the measure was intended to provide financial relief and flexibility while preserving safety and accountability. The bill was substituted for SB 1742, amended several times to limit milestone inspections and structural integrity reserve studies to buildings three habitable stories or more, and then passed 37-0 after extensive debate. Senators from both parties praised Bradley, Pizzo, Garcia, and staff for years of work on condo safety and affordability, with several members describing the bill as a balance between protecting residents and avoiding financial hardship.
The final major item was CS/HB 1205, the bill on amendments to the state constitution and citizen petition drives. Sponsors Gates and Grohl argued the bill was needed to combat fraud, identity theft, and misuse in the petition process, citing a lengthy Office of Election Crimes and Security report. The House bill was substituted for SB 7016, and the chamber considered a long series of amendments and substitute amendments addressing petition circulator registration, volunteer participation, submission deadlines, invalid-signature thresholds, voter notification, and fiscal impact statements. Several amendments were adopted, while others were debated over whether they would protect access to the citizen initiative process or strengthen election integrity. The transcript ends during debate on the main substitute amendment, before final disposition on the bill is shown.
FL
Florida 2026 5th Special Session
FL House Floor Session - 2025-04-25 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- law to give policyholders, not citizens insurance, the choice to resolve claim disputes through arbitration
- CRAs are built on binding promises and contracts to build homes, restore streets, and create opportunity
Summary:
The House opened with prayer, a moment of silence for fallen Oviedo Officer Jimmy Serrano-Torres, the Pledge of Allegiance, and recognition of Chief Joseph Tuminelli as law enforcement officer of the day. The Rules and Ethics Committee report setting the special order calendar was adopted, and the Speaker announced schedule changes for the following week, including canceling the floor session on Monday and starting Tuesday at 10:30 a.m.
The main floor action centered on CS/HB 7033, the House tax package. Sponsor Rep. Duggan described broad tax changes, including reducing the state sales tax rate from 6% to 5.25%, exempting certain bullion sales, repealing the aviation fuel tax, delaying the natural gas fuel tax, changing corporate income tax treatment for charitable trusts, reducing the pari-mutuel tax on card rooms, and major changes to tourist development tax (TDT) use. The bill would redirect most TDT revenue toward property tax relief, dissolve tourist development councils, and include related property tax and local tax administration changes. Several amendments were debated: a Driscoll amendment to preserve local TDT flexibility failed; Duggan’s amendment giving local governments 25% discretion over TDT revenues was adopted; Eskamani’s combined-reporting amendment failed; and a Duggan amendment requiring audit certification of compliance with the TDT/property tax relief provisions was adopted. After debate, CS/HB 7033 passed 78-29.
The House then took up CS/CS/HB 1221 on local option taxes, which was presented as a companion-style measure to give local governments more flexibility while redirecting TDT revenues toward property tax relief. Supporters argued the bill would provide immediate relief to property owners and restore accountability in local tax use, while opponents warned it would undermine tourism funding, infrastructure, and local services. An amendment allowing local governments to retain 25% of TDT revenues for general purposes was adopted, and the bill passed 62-45 after floor debate.
The final item shown was the reading of CS/CS/HJR 1257, a proposed constitutional amendment related to property tax exemptions and assessment limits, but the transcript cuts off before debate or action on that measure.
FL
Florida 2026 Regular Session
FL House Floor Session - 2025-04-25 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- law to give policyholders, not citizens insurance, the choice to resolve claim disputes through arbitration
- CRAs are built on binding promises and contracts to build homes, restore streets, and create opportunity
Summary:
The House opened with prayer, a moment of silence for fallen Oviedo Officer Jimmy Serrano-Torres, the Pledge of Allegiance, and recognition of Chief Joseph Tuminelli as law enforcement officer of the day. The chamber approved the journal and adopted the special order report, and the Speaker announced a schedule change canceling the floor on Monday and starting Tuesday at 10:30 a.m.
The main business was CS for HB 7033, the House tax package, presented by Rep. Duggan. He described a broad set of tax changes, including the previously passed sales tax rate reduction from 6% to 5.25%, exemptions for certain bullion sales, changes to tourist development tax (TDT) use, property tax administration updates, affordable housing-related exemptions, repeal of the aviation fuel tax, delayed natural gas fuel tax implementation, corporate income tax changes, and other provisions. Debate focused heavily on the TDT section and the bill’s property tax relief structure. Amendments to preserve local flexibility or remove the TDT restrictions were offered and debated; one Duggan amendment was adopted to allow local governments to keep 25% of TDT revenues for general use while directing 75% to property tax relief, and another amendment requiring audit certification of compliance was also adopted. A combined reporting amendment offered by Rep. Eskamani to close corporate tax loopholes was debated at length but failed.
On final passage, supporters argued the bill provides immediate, permanent tax relief and affordability help, while opponents said it diverts tourism dollars away from local needs and could harm tourism-dependent counties and services. CS for HB 7033 passed the House 78-29. The chamber then took up CS for CS for HB 1221 on local option taxes, which would give local governments more control over certain local taxes and, as presented, redirect TDT revenues toward property tax relief with some local flexibility. After questions and amendments, including a Miller amendment allowing 25% of TDT revenue for general purposes and another accountability amendment, the bill moved to final debate. Members split sharply: supporters framed it as immediate tax relief and local accountability, while opponents warned it would undermine tourism marketing, infrastructure, and county budgets. The transcript ends during closing debate on HB 1221, before final passage is recorded.
TX
Transcript Highlights:
- will be deported. who were harmed and so that's it I just want to make sure that we're not we're not binding
- Now, some may be concerned that prosecutors could arbitrate.
Keywords:
family violence, global positioning monitoring system, victim resources, electronic monitoring, protective orders, magistrate, criminal procedure, probable cause, written findings, law enforcement, bail bonds, bail fund, charitable bail fund, nonprofit bail organization, public funds, local government spending, political subdivision, county, city, taxpayer lawsuit
MA
Massachusetts 2025-2026 Regular Session
Combatting Antisemitism Jun 21st, 2026 at 01:00 pm
Transcript Highlights:
- Somerville is currently undergoing a fight over BDS, apparently a non-binding resolution.
- supporters here in the Commonwealth Somerville is currently undergoing a fight over BDS apparently a non-binding
Summary:
The meeting began with roll call, approval of the May 5 minutes, and opening remarks thanking commissioners and the public for their attendance. The commission then heard testimony from former Ambassador Alan Solomont, who argued that antisemitism is rising in multiple forms, including white nationalist antisemitism and antisemitism tied to anti-Israel rhetoric after October 7. He said campus antisemitism should be addressed with nuance, distinguishing protected political speech from conduct that targets Jewish students, and warned against weaponizing antisemitism to attack higher education, civil liberties, or federal research funding. He urged the commission to use multiple definitions and frameworks, including IHRA, Nexus, and the Jerusalem Declaration, and to focus on campus-specific solutions, civic education, and civil discourse. Commissioners asked him about Tufts’ antisemitism training, the role of the federal government, the use of the IHRA definition, and how to improve civic education; he emphasized local campus responses, broader civics instruction, and protecting democracy and due process.
The second major witness was Professor David Weber of Boston University, who testified on the BDS movement and anti-BDS laws. He described BDS as a campaign targeting Israeli businesses, universities, and institutions, and argued it functions as a propagandistic and discriminatory effort that fuels antisemitism and chills dialogue on campuses and in public life. He cited examples such as SodaStream, Ben & Jerry’s, and Brown University, and said anti-BDS laws in 37 states have been effective and constitutional because they regulate government economic activity rather than suppress speech. Weber urged Massachusetts to adopt an anti-BDS statute or executive order, saying the state’s large Jewish population and economic ties to Israel make the issue especially important. Commissioners questioned him about which states have such laws, the impact on dialogue and campus culture, possible legal frameworks, and whether BDS is really aimed at the Israeli government or at individuals and institutions; he maintained that BDS targets people and entities connected to Israel and that anti-BDS measures can help draw a line against illiberal conduct.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Public Health Jun 21st, 2026 at 10:00 am
Joint Committee on Public Health
Transcript Highlights:
- It partially binds to the mu receptors to mitigate pain. ...a partial opioid agonist.
- It partially binds to the mu receptors to mitigate pain, but it has minimal effect on the beta-arrestin
Summary:
The Joint Committee on Public Health held a lengthy hearing to take testimony on a wide range of bills related to environmental health, PFAS, medical device chemicals, food access, lead poisoning, air quality, oral health, and school food additives. Chair Driscoll and Chair Decker emphasized that the hearing was for testimony only, no decisions would be made that day, and that written testimony could still be submitted. They also noted the high volume of speakers and asked witnesses to keep remarks brief.
A major portion of the hearing focused on PFAS-related legislation, including bills to restrict PFAS in products and food packaging and to create a PFAS remediation trust fund. Municipal officials and advocates described the high costs of PFAS cleanup, especially for drinking water systems, citing Easton’s multimillion-dollar treatment investments and rate increases. Testimony from legislators and advocates argued that Massachusetts should act despite federal uncertainty, and that the state should stop PFAS at the source rather than leaving municipalities and residents to pay for remediation. The committee also heard strong support for a bill banning DEHP in medical devices, with physicians, nurses, and a bill sponsor saying the chemical can leach from IV bags and tubing and that safer alternatives already exist.
The committee also heard testimony on bills to establish statewide food truck permitting, with food truck owners and a senator describing the current system as costly, duplicative, and inconsistent across municipalities. Another set of witnesses supported the “Bean New Deal,” which would expand plant-based food options in public institutions, senior nutrition programs, and WIC, citing health, equity, and cost savings. On lead poisoning, housing advocates and a representative backed bills to expand lead-safe housing requirements to all rental units, arguing the current law contributes to discrimination against families with children and leaves too much pre-1978 housing uncertified. The committee also heard support for an outdoor air pollution bill that would create an advisory committee, identify pollution hotspots, expand monitoring, and set reduction targets, with testimony from environmental justice groups, pediatricians, and legislators describing disproportionate asthma and other health harms in overburdened communities.
Later testimony addressed oral health bills to create dental therapists and allow dental hygienists to administer nitrous oxide, with supporters saying the measures would expand access, reduce costs, and help underserved patients. The committee also heard testimony on a bill to prohibit harmful food dyes in competitive school foods, with parents describing behavioral and health concerns tied to synthetic dyes. No votes or formal actions were taken during the hearing.
LA
Transcript Highlights:
- That maybe just to make sure that my clients aren't put in a bind where they have to violate one law
- , when it comes to treatment of illness or disease, that currently in law that shall be valid and binding
Summary:
The Senate Committee on Health and Welfare met on May 20, 2026, with eight members present and approved the prior meeting minutes. The committee first advanced SB 1224, which requires DCFS to look into cases where a child under 17 is involved in a pregnancy, with added oversight for children under 12; it was reported favorably. The committee also favorably reported SB 1100, described as repealing an outdated statute. White Coat Day remarks welcomed physicians to the Capitol and thanked them for their service, including efforts to improve Medicaid reimbursement.
Several health-related bills were then heard and advanced. HB 1220, a continuation of prior work to codify provisions related to the Louisiana State Board of Medical Examiners and physician licensure, was reported favorably. HB 1231 clarified that Medicaid coverage for continuous glucose monitoring applies to insulin-dependent patients, including those with gestational diabetes, and was also reported favorably. HB 198, which sets reimbursement rates for ambulatory surgery centers for certain Medicaid procedures such as colonoscopies, eye, ENT, and gastroenterology services, passed favorably. HB 1160, creating a streamlined restricted license pathway for qualified international medical graduates, prompted a lengthy exchange about delayed rulemaking and whether the board had added requirements beyond statute; despite concerns, it was reported favorably.
The committee also advanced several resolutions and oversight measures. HCR 67, prompted by a personal family experience with a special-needs child’s acute care needs, creates a task force to study gaps in acute care for special-needs adults and children; it was amended and reported favorably. HCR 27, calling for a statewide evaluation of autism services by LDH and the Department of Education, was reported favorably. HB 223, which recreates DCFS, was amended to shorten the sunset date and require law enforcement reporting through a secure web platform, then reported favorably. HCR 28, creating a task force on school nurse orientation and training for new graduates, was reported favorably after testimony from school nurses about the lack of standardized orientation and the risks of placing inexperienced nurses alone in schools.
The committee also took up HB 469, which would allow pharmacy license renewal applicants to designate a portion of fees to eligible schools including Xavier University’s College of Pharmacy; after opposition from Senator Cloud and a roll call, the bill was deferred. HB 1182, a cleanup bill changing the occupational therapy certifying entity and adjusting fees, and HB 1076, eliminating one of two sunset provisions for the Louisiana Behavior Analyst Board, were both reported favorably. HB 1216, a major rewrite of clinical laboratory personnel rules, was deferred after concerns that it would restrict existing phlebotomy and lab functions in ways that could conflict with recent law. Finally, HB 457 and HB 616, both by Representative Knox and focused on homelessness, drew extensive testimony: HB 457 established minimum standards for shelters and similar facilities and was reported favorably as amended, while HB 616 would allow audits of homelessness-related funding and databases; after debate over privacy, federal funding oversight, and accountability, the committee adopted an amendment changing enforcement language from "may" to "shall" and continued hearing testimony from opponents and supporters.
CA
California 2025-2026 Regular Session
Assembly Utilities and Energy Committee Apr 30th, 2025
Transcript Highlights:
- chargers installed pursuant to the consent decree so as not to interfere with or override legally binding
- chargers installed pursuant to the consent decree so as to not interfere with or override legally binding
Summary:
The committee heard several energy and utilities bills, with testimony largely focused on wildfire mitigation, affordability, clean energy planning, and utility accountability. AB 706, by Assembly Member Aguiar-Curry, would create a fund to support projects that use forest biomass waste from wildfire mitigation and forest restoration; supporters said it would reduce open burning and emissions while providing reliable renewable power, and the bill later passed 13-0. AB 39, by Assembly Member Zbur, would require larger cities and counties to adopt electrification planning strategies for transportation and buildings; it drew broad support from clean energy, labor, environmental, and local government advocates and passed 9-0. AB 1167, by Assembly Member Berman, would restrict investor-owned utilities from charging ratepayers for lobbying, promotional advertising, and similar shareholder-benefit expenses; supporters framed it as an affordability and transparency measure, while utilities argued the bill was overly broad and already covered by existing rules. It passed 7-0, with some members not voting and the roll left open.
The committee also considered AB 1417 on offshore wind community funding transparency, which was amended to remove new fees and instead require reporting on developer support for local and tribal community capacity-building; opposition was withdrawn and the bill passed 9-0. AB 367, by Assembly Member Bennett, would require water districts in high fire-risk areas of Ventura County to have backup power, full tanks during red flag warnings, and hardened facilities; water agencies opposed unless amended due to cost and liability concerns, but the bill passed 10-0. The consent calendar, including multiple additional measures, was approved 11-0.
Other bills drew more divided testimony. AB 745 would allow securitization to finance utility undergrounding and prohibit a return on equity for undergrounding projects; supporters said it would lower ratepayer costs, while utilities warned it would effectively discourage undergrounding and could raise other rates. The bill passed 7-4 and was left on call. AB 1423 would apply reliability standards to publicly funded EV chargers installed before 2024; supporters said taxpayers should get functioning chargers, while charging-network representatives objected to retroactive requirements and possible conflicts with existing agreements. It passed 13-0. AB 388 would create a narrow exception to utility regulation to facilitate green hydrogen projects using private power lines; supporters said it would unlock low-cost renewable hydrogen and jobs, while utilities raised concerns about customer protections and grid planning. It passed 12-0. The committee also began hearing AB 825, which the author said would address the high cost of financing major transmission and generation buildout, but the transcript cuts off before the full presentation and action on that bill.
TX
Transcript Highlights:
- What the bill does makes IDR outcomes binding.
- House Bill 4670 removes any doubt that EPR's decisions are binding on HHSC as they relate to compliance
Bills:
HB 2510, HB 3589, HB 4611, HB 4655, HB 4665, HB 4666, HB 4670, HB 4700, HB 4730, HB 4798, HB 4838, HB 5136, HB 5243, HB 5302, HB 5539
Keywords:
assisted living, healthcare, licensing, criminal offense, personal assistance, group home, regulation, health and safety, inspections, resident care, criminal background checks, adoption, parental rights, registry, vital statistics, disclosure, counseling, foster care, independent living, financial literacy