Transcript Highlights:

• <00:58:50.400> just<00:58:50.640> how about this treatment to study just how about
• I also work with the Maui Wildfire Exposure Study. I'm the head of our mental health team.
• Um, I also work with the Maui Wildfire<01:07:28.079> Exposure<01:07:28.480> Study.
• I'm the head of Wildfire Exposure Study.
• Uh, this has to do with the Maui wildfire exposure study and Maui Health Registry.

Bills: HB1183, HB1656, HB1658, HB1661, HB1663, HB1664, HB1859, HB2116, HB2271, HB2276, HB2335, HB2360, HB2387, HB2472, HB1805, HB2469, HB1815, HB1860, HB2117, HB2118, HB2437, HB2438, HB2604, HB1590, HB2156, HB2268

Keywords: retirement, pension, law enforcement, public safety, Hawaii Revised Statutes, indebtedness, salary recovery, employee compensation, deductions, financial management, collective bargaining, employee relations, impasse procedures, arbitration, public employment, HB1661, cafeteria plan, Section 125, Internal Revenue Code, flexible spending account

Transcript Highlights:

• The National Council on Compensation Insurance, or NCCI, provides workers' comp actuarial analysis for
• They just go through the evidence, the studies, and all, and say, hey, this seems to be the best way
• And they update that as new treatments come out, new studies of how long the disability may last, that
• And we look at treatments based on data and studies that look at whether something is beneficial or not

Bills: HB282, HB293, HB390, HB456, HB460, HB561, HB819, HB1023, HB1047, HB1101

Keywords: employment discrimination, criminal history, rehabilitation, hiring process, human rights, gender identity, sexual orientation, workplace equality, labor rights, domestic abuse, unpaid leave, employee rights, workplace protection, mental health, survivor support, workers' compensation, employment benefits, claims process, fraud prevention, legal petition

Transcript Highlights:

• the Attorney General's office to, if House Joint Memorial 2 passes, it would have the AG create a study
• the Attorney General's office to, if House Joint Memorial 2 passes, it would have the AG create a study
• Then line 273 is $3 million for the Health Sciences Center for an actuarial study on health care, including

Keywords: 996, all

Transcript Highlights:

• That's why I'm introducing the Commission to study acts of anti-Semitism in the United States. stolen
• <00:34:43.599> the<00:34:43.839> Commission<00:34:44.159> to<00:34:44.399> study
• <00:34:44.639> acts introducing the Commission to study acts introducing the Commission to
• study acts of<00:34:45.040> anti-semitism<00:34:45.839> in<00:34:46.000> the<00
• And the beautiful thing what RLE did here is actually took economic data from all sorts of studies, from

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, June 10, 2025, 1012, house, all

Transcript Highlights:

• /c> meant by water supply studies, are meant by water supply studies, are costly<00:06:33.320> and
• , relative to those water supply studies, relative to those water supply studies, but<00:06:48.000
• the water study requirement. the water study requirement. Senator<00:10:07.440> Watters.
• And locally to require a water study.
• I mean, I traffic study for example.

Keywords: 1191, senate, all

Transcript Highlights:

• The actuaries are saying that Social Security is in trouble as of 2022.

Summary: The committee met to hear an update from consultants Mason Bishop and Cameron Christie on Arkansas’s “one door” or “no wrong door” workforce and social services modernization effort. The discussion focused on moving the state toward a work-first system that better connects job seekers, employers, education, and public assistance programs, with goals of increasing upward mobility, improving labor force attachment, reducing inefficiencies, and adapting to changes such as AI and other economic disruptions. The consultants argued that Arkansas’s current system is fragmented across multiple offices, portals, agencies, and funding streams, and that people often have to navigate separate doors for workforce services, TANF, SNAP, Medicaid, and related supports. Bishop repeatedly pointed to Utah as the model, describing how that state integrated workforce and human services into a single department, used cost allocation to blend funding behind the scenes, and saw improved customer service and outcomes after reform. He said TANF should be treated as a workforce program, not just a benefits program, and suggested that Arkansas could use TANF and other tools to cross-train DHS staff, co-locate services, and create a more unified service delivery model. Members asked about federal flexibility, waivers, and whether the state could use one large waiver or a broader restructuring to simplify the system. Bishop explained that a federal pilot authority proposal failed in Congress, so the current approach relies on waivers, cost allocation plans, and possible state-level changes. The committee also discussed the relationship between DHS and workforce offices, the role of local workforce boards, how disability and vocational rehabilitation cases would be handled, and how the governor’s Restore Hope/Hope Hub and faith- and community-based initiatives might fit into the broader plan. Bishop said Arkansas already has rehabilitation services within the workforce department and emphasized that case managers should focus on people rather than programs. No votes were taken. The chair said the committee would revisit case management at its August meeting and adjourned the meeting after thanking the consultants.

Transcript Highlights:

• Two things: one, there's a thing called the actuarial Cost to fund the system.

Bills: HB1675, HB3242, HB1739, HB3320, HB3047, HB4434, HJR1089, HB4432, HB3718, HB3705

Keywords: emergency management, severe weather, youth camp, summer camp, overnight camp, day camp, outdoor education, adventure camp, wilderness program, campground safety, tornado preparedness, flooding, flash flood, high winds, hail, lightning, extreme heat, extreme cold, wildfire smoke, evacuation plan

Transcript Highlights:

• Hopefully you had your coffee this morning, because by background I'm an actuary, so I'm likely to put

Bills: SB1020

Keywords: special plates, Arizona Space Commission, transportation, funding, space exploration, 1182, all

Summary: The committee first took up Senate Bill 1020, which would create Arizona Space Commission special license plates and direct a portion of the plate fee to the Space Exploration and Aeronautics Research Fund. The bill’s sponsor and the Arizona Space Commission chair testified in support, emphasizing Arizona’s growing space industry, the need for a funding stream for the commission, and the bill’s role in promoting aerospace jobs, education, and economic development. They noted a planned floor amendment to extend the implementation deadline from 2026 to 2027. Members expressed strong support and highlighted Arizona’s competitiveness in space-related activity. The committee then heard a presentation from Deloitte on artificial intelligence in government. Deloitte described how AI and predictive analytics can improve state services, but stressed concerns about accountability, data quality, privacy, workforce impacts, and responsible use. The presentation used examples from public-sector data integration and predictive modeling, including how AI can help identify veterans who may qualify for benefits or other outreach, while cautioning that such tools should not be used for yes-or-no eligibility decisions. Members asked about data sources, accuracy, minors, privacy protections, and safeguards, and Deloitte said it follows a trust-and-governance framework and could provide more information later. Finally, the committee heard from Pano AI on wildfire detection technology. The presenter explained that the company uses camera towers, AI, and human review to detect smoke early, provide location data to responders, and improve initial attack on wildfires. She said the system is already deployed across Arizona through utilities, state agencies, and local departments, with more installations planned, and described examples where early detection helped contain fires and support evacuation and jurisdictional response. Members asked about coverage, weather limitations, funding, and future capabilities, and the presenter said the technology is a tool that will continue improving through better prediction and integration with other fire-management systems. The committee adjourned after the presentations.

Transcript Highlights:

• bill tomorrow that I think might account for this, where a computer has, you know, a statistic or actuarial

Keywords: 1183, house

Transcript Highlights:

• TPA was an avid supporter of Senate Bill 321 passed by the 87th Legislature that provided an actuarially

Bills: SB75, SB715, SB776, SB1299, SB1405, SB1968, SB2021, SB2077, SB2148, SB2321, SB2330, SB2411

Keywords: electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency

Transcript Highlights:

• She currently teaches history and Mexican-American studies, helping students connect with their heritage
• Spiller, relating to a study of rural firefighting and technical rescue service capabilities.
• Conduct a statewide study examining the capabilities of rural firefighting. I move passage.
• Well, there was a study done by...
• And so one of the things we did is take that study, and there are a lot of places and a lot of people

Bills: HB1535, HB 123, HB 111, HB180, HB342, HB 1027, HB 1178, HB610, HB 1277, HB1615, HB1620, HB5342, HB4885, HB4751, HB4689, HB4530, HB4488, HB2149, HB2041, HB2071, HB1813, HB2282, HB2248, HB2243, HB2522, HB2310, HB2513, HB2300, HB1902, HB3719, HB4284, HB4327, HB3743, HB3778, HB3801, HB5153, HB5147, HB4877, HB4850, HB3158, HB3261, HB3005, HB3033, HB3138, HB3099, HB2849, HB2967, HB3488, HB3477, HB3466, HB3396, HB3469, HB2594, HB2776, HB2564, HB2298, HB5331, HB5646, HB5247, HB5323, HB2015, HB4384, HB3896, HB4014, HB3627, HB3594, HB2524, HB510, HB561, HB5111, HB5446, HB 1181, HB3963, HB2785, HB1661, HB2460, HB24, HJR138, HB3800, HB42, HB 129, HB677, HB668, HB2128, HB2038, HB2316, HB3686, HB2563, HB 1160, HB3883, HB2788, HB2663, HB3305, HB3474, HB 1105, HB3490, HB3597, HB 1295, HB3512, HB3783, HB2017, HB3010, HB3112, HB4215, HB3223, HB3464, HB3120, HB4214, HB4081, HB4783, HB4063, HB2783, HB5085, HB2510, HB3426, HB4361, HB 1169, HB2516, HB4700, HB3560, HB3860, HB3146, HB184, HB198, HB247, HB367, HB449, HB1778, HB514, HB632, HB2582, HB766, HB2715, HB2712, HB3069, HB3505, HB 1269, HB4224, HB5032, HB2240, HB5180, HB3348, HB4668, HB4665, HB3395, HB3157, HB4395, HB4325, HB4386, HB4273, HB2760, HB2820, HB1828, HB1579, SB2349, SB1268, SB610, SB1577, SB1369, SB2032, SB2034, SB1057, SB1044, SB922, SB1759, SB1143, SB1506, SB1403, SB2361, SB870, SB372, SB72, SB1583, SB2314, SB1267, SB1273, SB765, SB552, HB2145, HJR112, HB1804, HJR110, HB 1194, HB1531, HB5008, HB3421, SCR27, HB5398, HB1407, HB426, HB1535, HB 123, HB1773, HB1871, HB2035, HB2448, HB2492, HB1411, HB4753, HB4666, HB4529, HB1499, HB1610, HB2028, HB1506, HB886, HB3546, HB796, HB223, HB1475, HB3556, HB4638, HB 111, HB180, HB342, HB 1027, HB 1178, HB610, HB 1277, HB1615, HB1620, HB5342, HB4885, HB4751, HB4689, HB4530, HB4488, HB2149, HB2041, HB2071, HB1813, HB2282, HB2248, HB2243, HB2522, HB2310, HB2513, HB2300, HB1902, HB3719, HB4284, HB4327, HB3743, HB3778, HB3801, HB5153, HB5147, HB4877, HB4850, HB3158, HB3261, HB3005, HB3033, HB3138, HB3099, HB2849, HB2967, HB3488, HB3477, HB3466, HB3396, HB3469, HB2594, HB2776, HB2564, HB2298, HB5331, HB5646, HB5247, HB5323, HB2015, HB4384, HB3896, HB4014, HB3627, HB3594, HB2524, HB510, HB561, HB5111, HB5446, HB 1181, HB3963, HB2785, HB1661, HB2460, HCR98, HCR92, HCR126

Keywords: Trinity River Authority, river authority, Sunset Advisory Commission, Texas Sunset Act, board of directors, governor appointment, public water authority, regional water authority, water resources, local government, natural resources, board training, ethics, open meetings, public information, conflict of interest, complaint procedures, public comment, director removal, governance reform

Bills: HR70, HR71, HCR35, HB31, HB326, HB1013, HB1014, HB1015, HB1016, HR65, HR66, HR67, HR68, HR69, HCR33, HCR34, HB1006, HB1007, HB1008, HB1010, HB1011, SB2, SB13, SB24, SB28, SB40, SB47, SB48, SB70, SB79, SB80, SB109, SB127, SB139, SB154, SB181, SB199, SB200, SB208, SB277, SB317, SB336, SB349, SB357, HR15, HR20, HCR14, HB51, HB58, HB69, HB82, HB93, HB143, HB166, HB199, HB201, HB202, HB218, HB222, HB223, HB224, HB231, HB235, HB246, HB338, HB349, HB352, HB379, HB405, HB429, HB535, HB547, HB577, HB588, HB626, HB636, HB652, HB653, HB669, HB688, HB691, HB721, HB738, HB749, HB806, HB843, HB851, HB857, HB861, HB889, HB904, HB907, HB908, HB929, HB955, HB1009, HB952, HB8, HB9, HB10, HB15, HB16, HB17, HB18, HB19, HB22, HB33, HB34, HB35, HB44, HB46, HB47, HB48, HB61, HB101, HB126, HB135, HB142, HB164, HB185, HB215, HB226, HB232, HB233, HB242, HB284, HB292, HB297, HB301, HB334, HB436, HB468, HB548, HB571, HB582, HB593, HB594, HB609, HB613, HB712, HB722, HB732, HB746, HB827, HB845, HB848, HB921, HB923, HB951, HB953, HB999, HB53, HB57, HB64, HB102, HB106, HB111, HB137, HB152, HB155, HB177, HB238, HB256, HB258, HB337, HB359, HB363, HB386, HB434, HB546, HB557, HB584, HB661, HB697, HB726, HB727, HB747, HB756, HB758, HB759, HB765, HB767, HB825, HB858, HB930, HB941, HB957, HB964, HB868, HB119, HB140, HB739, HB842, HB875, HB919, HB52, HB228, HB289, HB735, HB796, HB901, HB193, HB400, HB570, HB733

Keywords: Northside High School, basketball, state championship, sportsmanship, athletic recognition, commendation, criminal justice, community contributions, Bridget A. Dinvaut, law enforcement, tax delinquency, property sale, rehabilitation, Louisiana State Law Institute, legislation, retirement, police benefits, disability, municipality, Social Security

Transcript Highlights:

• There were two interim studies. I do not believe this is the end-all fix.
• I don't believe so because, as of two weeks ago, they had not done that study for a fact.
• just so we know what we're talking about, what we propose to do is to move the task to OSU to do a study
• Pro Tem, it's been asked a couple of times about the Wildlife Department doing these studies.
• In fact, I did have an Oklahoma content creator come to my interim study on this topic, and that was

Bills: HB4319, HB4317, HB1225, HB3076, HB3081, HB4226, SCR17, HB4432, HB3304, HB3411, HB3435, HB4339, HB4331, HB4341, HB4342, HB1770, HB1016, HB4113, HB2950, HB4141, HB3277, HB2988, HB3029, HB3338, HB1889, HB3834, HB3831, HB2939, HB3045, HB3657, HB1739, HB3759, HB3755, HB4484, HB4486, HB4108, HB1250, HB2961, HB1219, HB3025, HB1782, HB1907, HB3718, HB4459, HB2976, HB3548, HB3545, HB2952, HB2929, HB2956, HB2973, HB3055, HB3086, HB3040, HB3794, HB4336, HB3151, HB1590, HB3581, HB3313, HB3429, HB3448, HB1752, HB2650, HB3584, HB4202, HB3586, HB4321, HB4280, HB3650, HCR1020, HB2116, HB2206, HB4301, HB3625, HB3147, HB3403, HB3498, HB3970, HB3975, HB3976, HB3980, HB4265, HB4266, HB3638, HB3880, HB3930, HB3942, HB3944, HB4191, HB3242, HB3678

Keywords: administrative procedures, rulemaking authority, specific authority, legislative review, agency rules, accounting, CPA, licensure, educational requirements, reciprocity, professional conduct, vital records, birth certificate, birth registration, biological sex, sex designation, male, female, nonbinary, gender identity

Transcript Highlights:

• Then, a white paper study taken in 2018 demonstrated that the graduates Of our education prep programs
• , who did a practicum, who studied the pedagogy, who had access to the excellent support services of
• And I would say academic outcomes don't suffer because of it, based on studies in Texas.
• I'm not sure which study you're referring to.
• And Texas University of Texas studied this, and student results did not decline as a result of these

Bills: HB4319, HB4317, HB1225, HB3076, HB3081, HB4226, SCR17, HB4432, HB3304, HB3411, HB3435, HB4339, HB4331, HB4341, HB4342, HB1770, HB1016, HB4113, HB2950, HB4141, HB3277, HB2988, HB3029, HB3338, HB1889, HB3834, HB3831, HB2939, HB3045, HB3657, HB1739, HB3759, HB3755, HB4484, HB4486, HB4108, HB1250, HB2961, HB1219, HB3025, HB1782, HB1907, HB3718, HB4459, HB2976, HB3548, HB3545, HB2952, HB2929, HB2956, HB2973, HB3055, HB3086, HB3040, HB3794, HB4336, HB3151, HB1590, HB3581, HB3313, HB3429, HB3448, HB1752, HB2650, HB3584, HB4202, HB3586, HB4321, HB4280, HB3650, HCR1020, HB2116, HB2206, HB4301, HB3625, HB3147, HB3403, HB3498, HB3970, HB3975, HB3976, HB3980, HB4265, HB4266, HB3638, HB3880, HB3930, HB3942, HB3944, HB4191, HB3242, HB3678

Keywords: administrative procedures, rulemaking authority, specific authority, legislative review, agency rules, accounting, CPA, licensure, educational requirements, reciprocity, professional conduct, vital records, birth certificate, birth registration, biological sex, sex designation, male, female, nonbinary, gender identity

Transcript Highlights:

• > insurance<00:07:29.240> covers Studies show that when insurance covers Studies show that
• Thank you. other countries that have studied this other countries that have studied this as<00:23:13.240
• There are so many causes for infertility, and that is what I study every day.
• <00:26:50.280> every um and that is is what I study every um and that is is what I study every
• That's what I studied in in school day.

Keywords: 919, house, all

Summary: The committee heard House File 4609, the Minnesota Building Families Act, and laid it over for possible inclusion in an omnibus bill. The bill would require insurance coverage for infertility diagnosis and treatment, including IVF-related care, and the author emphasized that it would not change Minnesota’s current surrogacy laws. She also noted the bill already contains a religious exemption and clarified that it had been referred through commerce but came to health first because of reviser delays. Supporters testified that infertility is common and financially devastating, describing personal experiences with miscarriages, cancer-related fertility loss, and large out-of-pocket costs such as second mortgages, retirement withdrawals, and fundraising. A physician testified that infertility is a disease, that delays in care can worsen outcomes, and that insurance coverage can improve health outcomes and reduce multiple births and costs. Supporters also argued that fertility coverage is already offered by some large employers and in other states without major premium increases. Opponents, including representatives of the Minnesota Catholic Conference and Minnesota Family Council, argued the bill would subsidize IVF and potentially surrogacy, which they said raises ethical concerns about embryos, commodification, and exploitation of women. They urged the committee to vote no and instead support restorative reproductive medicine or other approaches that address underlying causes of infertility. In member discussion, some legislators expressed sympathy for families affected by infertility and miscarriage but raised concerns about insurance costs, success rates, and the need for guardrails; others noted adoption as another way families are built. No vote was taken beyond laying the bill over.

Transcript Highlights:

• I want to remind you that we'll We'll have a special Passover Easter study at lunchtime right up here
• School finance over the last five or ten years and look at some studies that have come out.
• The study done by the Austin American statesmen found that the buying power of the money allocated from
• We do have, and we've had the benefit of studying over the interim to really look at, you know, what
• Are you aware that there have been some deep dive studies by the Brookings Institution?

Bills: SB2, HB2, HB2000, HB2196, HB213, HB222, HB645, HB1458, HB 1022, HB141, HB502, HB643, HB3093, HB1700, HB 117, SB503, SB2, HB 120, HB20, HB150, HB6, HB 100, HB210, HB215, HB1393, HB 1151, HB 1268, HB142, HB451, HB 124, HB2, HB2000, HB2196, HB213, HB222, HB645, HB1458, HB 1022, HB141, HB502, HB643, HB3093, HB1700, HB 117

Keywords: public education, teacher compensation, certification, funding, school finance, educator rights, education funding, charter schools, staff compensation, state aid, retention allotment, child grooming, sex offender registration, criminal justice, reportable conviction, law enforcement, virtual education, hybrid learning, school funding, average daily attendance

Transcript Highlights:

• The actuaries are saying that Social Security is in trouble as of 2022.

Summary: The committee met to hear consultants Mason Bishop and Cameron Christie discuss Arkansas’s “one door/no wrong door” workforce and social services modernization effort. Bishop argued that the current system is fragmented across multiple agencies, offices, and portals, making it hard for job seekers and employers to access services efficiently. He said the goal is to create a more integrated system that promotes upward mobility, longer labor force attachment, better employer access to talent, greater efficiency, and faster adaptation to changes such as AI and other economic disruptions. Bishop repeatedly pointed to Utah as a model, describing how that state combined workforce and public assistance functions into a single agency, used statewide cost allocation to blend funding streams, and improved customer service and outcomes after reform. He said Arkansas should consider integrating governance, service delivery, and financing, including possible waivers, a statewide cost allocation plan, and a benefits-cliff pilot. He also said Arkansas’s current local workforce board structure creates duplication and weak coordination, and that Launch is a useful tool but not a full service-delivery system. Committee members asked how the proposal would work in practice, including whether TANF could be used to cross-train DHS workers, how federal waivers might be obtained, how local boards would be affected, and how disabled clients would be handled. Bishop said TANF should be treated as part of a workforce strategy, that federal pilot authority for workforce reform nearly passed but did not, and that waivers are now the practical path. He also said Arkansas could either merge functions more fully or at minimum co-locate workforce staff in DHS offices statewide. No votes were taken; the meeting ended with plans to continue the discussion in August, including a focus on case management and whether the state is managing programs or people.

Transcript Highlights:

• I mean, surely your actuaries can figure that out, what the rate needs to be.

Bills: SB1165, SB1206, SB1212, SB1291, SB1347, SB1516, SB1554, SB1649, SB1689, SB1812

Keywords: breast cancer, screening services, health insurance, cost sharing, preventive care, storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention

Summary: The Senate Finance Committee approved committee amendments and then heard a series of bills covering consumer lending, health insurance, chiropractic practice, breast cancer screening, insurance claim practices, digital assets, vaccination-based reimbursement, agricultural property inspections, and aviation tax exemptions. Testimony generally split between sponsors and industry or advocacy supporters emphasizing modernization, consumer access, or fairness, and opponents raising concerns about higher costs, tax breaks for wealthy interests, or unclear policy changes. Several bills drew detailed debate over whether they would help consumers or shift costs, and multiple witnesses described personal or industry experiences in support of the health-related measures. SB 1689, which would raise consumer loan thresholds and change interest-rate tiers, was amended but failed on a tied vote after Senator Epstein opposed it as shifting costs to smaller borrowers. SB 1347, requiring coverage for fertility preservation for cancer patients, was amended and passed 4-2 after testimony from the sponsor, a nonprofit representative, and two cancer survivors. SB 1165, eliminating cost-sharing for diagnostic and supplemental breast exams, was amended and passed 5-1. SB 1206, updating rules for public adjusters and contractors after loss events, was amended and passed 5-1. SB 1649, creating a digital assets strategic reserve fund, passed 4-2 despite criticism that it was unnecessary and pro-crypto. SB 1212, barring different reimbursement rates based on vaccination status, passed 4-2. SB 1291, limiting county assessors’ ability to reclassify or inspect agricultural property for four years after a successful appeal, was amended to allow inspections if taxable improvements are made and passed 5-1 over assessor opposition. SB 1516, expanding aviation-related tax exemptions to more aircraft maintenance and repair property, passed 4-1 after supporters framed it as economic development and opponents called it a tax break for private jets. SB 1554, updating chiropractic language from “x-ray” to “diagnostic imaging,” initially failed, was reconsidered after additional questioning, and then passed 3-2 after members said the change mainly codified current practice and reduced liability concerns.

Transcript Highlights:

• And when a similar mandate was adopted in Medicare Part D, CMS's own actuaries estimated that it would

Bills: AB93, AB204, AB414, AB504, AB598

Keywords: public employees, police officers, benefits, appropriation, law enforcement, medical debt, collection agency, healthcare, consumer protection, financial assistance, occupational safety, air quality, greenhouse gases, employee monitoring, safety program, hemp, hemp products, cannabidiol, CBD, cannabis

Transcript Highlights:

• And so we'll we will continue to build upon that, given good guidance to our actuary, to make sure that

Keywords: 999, senate, all