Video & Transcript Research : 'premium structure'
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NH
New Hampshire 2026 Regular Session
House Science, Technology and Energy (02/03/2026)
Science, Technology and Energy
Transcript Highlights:
- As a fellow Rochester City Councilor, you know that we had a great change in our tax structure because
- <01:23:40.480>
uh looking to uh create some structural uh looking to uh create some structural - So they were building in what's called a risk premium, which was ending up being a lot of money.
- to enter into any type of uh structure to enter into any type of uh structure that<04:53:25.840>
- I will say um there structured as well.
AR
Arkansas 2026 1st Special Session
LEGISLATIVE JOINT AUDITING Jun 5th, 2026
LEGISLATIVE JOINT AUDITING
Transcript Highlights:
- Like, I didn't see a number of how much money we lost for having weak structures with, I assumed it was
- I want to protect our structure here. So could you just address that a moment?
- However, the number of premiums coming in and investment income has...
- However, the number of premiums coming in and investment income has generally remained what I'd call
Summary:
The Legislative Joint Auditing Committee met on June 5 and first adopted the March 2026 minutes, then approved reports from the executive committee and the standing committees on counties and municipalities, educational institutions, and state agencies. The counties and municipalities report noted progress on delinquent private water and sewer audits, compliance improvements by Denning and Gum Springs, and a 60-day compliance window for Omer and Fargo; several reports were deferred, while others were referred to prosecutors, the Attorney General, or the Government Bonding Board. The educational institutions committee filed 103 audit reports, including findings for several school districts, and one Booneville School District finding was referred to law enforcement. The state agencies committee filed 13 reports and deferred one Department of Health report to August.
The committee then reviewed the State of Arkansas annual comprehensive financial report and single audit for fiscal year 2025. Legislative Audit reported clean opinions on the state’s financial statements, but identified two material weaknesses: insufficient internal controls at the Office of State Technology over threat monitoring and unauthorized access, and problems at the Division of Workforce Services with changes to year-end accounting estimates and documentation for unemployment-related receivables and payables. The single audit covered $12.4 billion in federal awards across 469 programs, with 16 major programs reviewed; auditors reported 33 findings, including 31 federal findings, $12.9 million in outstanding questioned costs, and qualified opinions for the Summer EBT program, the Coronavirus Capital Projects Fund, and the Child Care Development Fund cluster. Findings included improper advance draws and reporting issues in Summer EBT, documentation problems in broadband projects, and reporting/reconciliation issues in child care funding.
Members questioned agency officials from DHS, the Office of State Technology, the Department of Finance and Administration, the Department of Education, and Workforce Services about the findings and corrective actions. DHS said the Summer EBT issue involved drawing funds in advance and that procedures had been changed for the 2026 cycle; it also explained several repeat findings as timing or provider-enrollment issues. OST officials said they were expanding logging, endpoint detection, and enterprise monitoring, and described cybersecurity as a moving target requiring more investment and training. DFA and Workers’ Compensation officials discussed the workers’ comp fund’s actuarial position and said it should be monitored but did not require immediate action. Education officials said the child care reconciliation problems stemmed from a former employee’s failure to reconcile reports, that staffing and checks had been strengthened, and that the federal funding cut affecting child care was a separate issue. The committee voted to hold the two major state financial reports over until the August meeting, with members asked to submit specific questions in advance, and then received a special report on the Hot Spring County Solid Waste Authority review.
FL
Florida 2026 5th Special Session
Governmental Oversight and Accountability Feb 11th, 2026
Transcript Highlights:
- We enforce residential, commercial, unsafe structures, nuisance lots, vehicles, zoning, signs, et cetera
- , to ensure structures are maintained, unlike HOAs, which are paid by the owners of the properties.
- If this bill is ratified, my premiums and out-of-pocket maximums and prescription costs are going to
- If this bill is ratified, my premiums and out-upac maxes and prescription costs are going to eat them
Summary:
The committee took up several bills and confirmations. It reported favorably SB 332, as amended, on a narrow public-meetings/public-records exemption for legal strategy and settlement communications during the pre-suit period in Burt Harris claims; SB 464, requiring K-12 schools to formally observe Veterans Day; SB 984, clarifying firefighter cancer/death-benefit provisions and related prevention language; SB 576, expanding and codifying the local government cybersecurity protection program under Florida Digital Service; SB 964, revising how certain gifts and honoraria are reported to the Commission on Ethics; SB 1612, requiring local governments to accept electronic payments with exceptions and a delayed effective date; SB 830, creating public-records exemptions for certain local government administrators and their families; SB 1096, clarifying the filing deadline for Florida Civil Rights Act complaints; and SB 1656, designating the SS American Victory as Florida’s official state flagship.
The committee also considered a large confirmation package. Jeffrey Aaron’s appointment to the Public Employees Relations Commission was discussed separately after Senator Polsky raised concerns about his political connections and prior work; the committee still recommended him favorably. The remaining appointees on tabs 12 through 30 were also recommended favorably in one vote.
The longest and most contentious item was SB 1296, with a committee substitute, on the Public Employees Relations Commission and public-sector unions. The PCS would change union certification/recertification rules, require a recent showing-of-interest form, create different voting thresholds for public safety and non-public safety employee organizations, limit paid union leave for non-public safety unions unless reimbursed, require equal access to certain employer communication spaces, and speed up impasse procedures for legislatively funded salary increases. Senators raised constitutional concerns, especially about the single-subject rule and collective-bargaining rights, and many speakers opposed the bill as union-busting and harmful to teachers, bus drivers, nurses, utility workers, and other public employees. Supporters argued it would improve accountability, ensure genuine member support, and prevent taxpayer-funded union activity. The committee continued debate on SB 1296 after extensive testimony, but the transcript ends before a final vote on that bill.
NM
New Mexico 2025 Regular Session
IC - Revenue Stabilization and Tax Policy Dec 15th, 2025 at 09:14 am
Revenue Stabilization & Tax Policy Committee
Transcript Highlights:
- We implemented the new tax bracket structure, which resulted in lower withholding on employee wages.
- particularly concentrated in oil or federal job losses hitting New Mexico more than expected, and structural
- For example, an insurance premium is excluded from GRT because it pays.
- The premium tax, not because that's a tax expenditure, similar for motor vehicle excise or many others
TX
Transcript Highlights:
- And here you can pay premium processing, right? Right, for the expedited.
- And there's a premium processing fee that permits you to staff up. Your thoughts on that.
- You know, the City of Houston, they have, because it's probably a good model of how to structure this
- Houston, they have, because it's probably, They have, because it's probably a good model of how to structure
Summary:
The committee first heard House Bill 1904, which would classify intentionally released helium balloons as litter and create criminal penalties for balloon releases. The author and supportive witnesses argued that balloon releases harm wildlife, livestock, waterways, and infrastructure, and that the bill would close a loophole in current litter law. Several members questioned whether criminal penalties were appropriate, and the author said he was willing to work toward civil penalties and fines instead. No vote was taken, and HB 1904 was left pending.
The committee then took up several pending bills and reported them favorably to the full House, including HB 3249, HB 3866, HB 4112, HB 1768, HB 1499, HB 573, and HB 464. These measures dealt with topics such as TCEQ contested-case procedures, outdoor storage containers, high-level radioactive waste, concrete plant permitting and grants, unannounced concrete batch plant inspections, and a scrap tire grant program. Most were adopted with substitutes and passed on recorded votes, generally with unanimous or near-unanimous support.
A major portion of the meeting focused on HB 3997, which would create expedited permitting timelines for LNG facilities and related wastewater permits. Industry witnesses said the bill would provide certainty for multibillion-dollar projects without eliminating public participation, while environmental groups opposed parts of the bill that they said could limit contested-case participation and be unrealistic for SOAH timelines. TCEQ staff described the current wastewater permitting process and said some of the bill’s timing provisions could be workable, especially with an expedited fee. The bill was left pending after the author said he would continue working on committee substitute language.
The committee also heard HB 1237 on extending the renewal window for expired TCEQ occupational water licenses, and HB 4519, a TERP consolidation bill that would combine several clean transportation grant programs into fewer programs. HB 1237 was left pending without testimony, while HB 4519 drew broad support from environmental and industry witnesses who favored simplifying the program, though some asked for stronger emphasis on particulate matter and hydrogen funding. The committee withdrew the substitute on HB 4519 and left it pending. Finally, HB 5033, which would eliminate the motor vehicle emissions inspection and maintenance program if federal authority changes, drew opposition from environmental and inspection-industry witnesses who warned it would weaken air-quality protections and could remove an important enforcement tool. The author said the bill was intended as a trigger mechanism and would be refined, and HB 5033 was left pending. The committee also heard HB 1227 on municipal solid-waste franchise fees and private-provider access; the author said he would bring a substitute after hearing concerns from cities, and the bill was left pending.
ND
North Dakota 2025-2026 Regular Session
Senate Floor Session Apr 21st, 2025 at 12:30 pm
North Dakota Senate Floor Meeting
Transcript Highlights:
- Either through premiums, higher deductibles, or co-pays.
- They come with higher premiums.
- They come with higher premiums.
- There are no premium increases in this bill.
- The state premiums are running about $700 million.
Summary:
The Senate reconvened and handled several House messages and conference committee appointments before taking up a series of bills. It appointed conference committees on Senate Bill 2265 and House Bills 1454, 1448, and 1524. The chamber also adopted a Senate amendment to House Bill 1216, delaying its effective date for the copay accumulator prescription drug bill to January 1, 2026, with later renewal timing for non-PERS plans.
House Bill 1216 then came up for final passage. Senators debated whether allowing copay accumulator programs to count manufacturer coupons toward deductibles would help patients with expensive drugs or unfairly shift costs to insurers and other policyholders. Supporters said it would help people afford life-saving medications and that the coupon payments go to pharmacies, not insurers; opponents argued it could raise premiums and create perverse incentives for drug pricing. The bill passed 29-18. The Senate also concurred in House amendments to Senate Bill 2160, which changes health insurance benefits under the Uniform Group Insurance Program to move from a grandfathered to a non-grandfathered plan, with supporters emphasizing added benefits and flexibility and opponents warning of higher costs and irreversible changes. That bill passed concurrence 33-14 and final passage 39-8.
The Senate next concurred in House amendments to Senate Bill 2339, the wildfire mitigation bill, which requires utility mitigation plans to be updated every two years, incorporate national electric standards, and creates a rebuttable presumption of reasonable care if the plan is followed. The bill then passed final passage 46-1. The chamber also adopted conference committee reports and passed House Bill 1460 on adult foster care and monitoring devices, House Bill 1440 on cigar lounge tobacco use, and Senate Bill 2374 on insurance-related provisions including property insurance arbitration, managed repair programs, and surplus lines issues; SB 2374 also added a study on towing and recovery coverage. The session ended with announcements of upcoming conference committee meetings and adjournment until April 22, 2025.
FL
Transcript Highlights:
- helps our constituents be safe in storms, and we also know in many cases it reduces their insurance premiums
- They were left out of the bonus structure.
- The bill also requires that SERS reports separately identify required structural elements and those over
- A three-story condo in Orlando is treated the same way under the bill and under the current structure
- So I get that, and I appreciate that answer, but I guess the structural integrity on a three-story unit
Summary:
The Committee on Regulated Industries heard and advanced several bills, with the most extensive discussion centered on condominium issues, gambling enforcement, and public safety. CS/SB 592 on the My Safe Florida Condominium Pilot Program was amended to clarify the three-story eligibility threshold and to add sliding glass door wind-driven rain mitigation devices as an eligible improvement. A late-filed amendment to appropriate $500 million for the program failed on a 3-4 roll call vote, and the bill was then reported favorably. Members also took up CS/SB 1742, a broad condominium and cooperative association reform bill, which would give associations more flexibility on reserves after milestone inspections, require substitute budgets over certain spending increases, improve disclosure and conflict-of-interest rules, expand data collection, and extend some disclosure rescission periods; the committee adopted an amendment and reported the bill favorably.
The committee also approved CS/SB 622 on pari-mutuel permit leasing, as amended to allow leasing to same-class permit holders or Hialeah permit holders and to make related wagering licenses discretionary rather than automatic. SB 1404 on illegal gambling was reported favorably after amendments allowing veterans organizations to seek declaratory rulings on machine compliance and adding ethics/revolving-door restrictions for Gaming Commission personnel; a late amendment concerning a Miami casino property was withdrawn. Testimony on that bill came from prosecutors, the Gaming Control Commission, veterans groups, and amusement machine operators, with supporters emphasizing organized crime enforcement and opponents seeking clearer definitions and compliance guidance.
On public safety and infrastructure, SB 1682 to include 911 dispatchers in the definition of first responder was reported favorably with strong support from dispatchers and committee members. SB 818 on utility relocation and SB 1228 on spring restoration were also reported favorably, with counties opposing the utility bill as a taxpayer cost shift. SB 948 on flood disclosures for rental properties and condominium sales/rentals was reported favorably after support from environmental and flood advocacy groups. The committee also heard SB 604 on residential pool safety requirements, but the chair temporarily postponed it after concerns were raised about how the inspection requirement would work in cash transactions and whether it would require permits or delay closings.
NM
New Mexico 2025 Regular Session
IC - Federal Funding Stabilization Subcommittee Jul 1st, 2025
Federal Funding Stabilization Subcommittee
Transcript Highlights:
- So, we have the New Mexico Premium Assistance, the Native American Premium Assistance, which is limited
- Carriers raise their premiums as a result.
- Let me ask you, what is the federal premium tax credit? What's the premium based on?
- Yes, because we also have the Native American Premium Assistance and the Medicaid Transition Premium
- Premium or what's subsidized? Their net premium. Okay, I would have to get back to you on that, Mr.
VT
Vermont 2025-2026 Regular Session
Senate Session - 2026-05-28 - 10:00AM
Vermont Senate Floor Meeting
Transcript Highlights:
- First of all, um, we're going to be seeing a reduction in premiums for folks in healthcare.
- This bill is going to also reduce their premiums.
- , uh, 19.8% of our payroll goes to paying our premiums on paying our premiums on our health care.
- It's a sad day when we can't vote for reducing premium costs for our educators. ...reducing premium costs
- There's no way to do that without affecting health care premiums.
FL
Transcript Highlights:
- Rates or premiums—we use the terms interchangeably; I'm even guilty of this—is rate versus premium.
- So it's the premium we don't control; we control the rate.
- control the premium we control the rate there are other pressures that are on that overall premium that
- And the difference was 86% in that premium.
- And the difference was 86% in that premium.
Summary:
The Senate Committee on Banking and Insurance convened with a quorum present, and Commissioner Michael Yaworsky of the Office of Insurance Regulation delivered a broad update on Florida’s property insurance market. He outlined the division of responsibilities between OIR and the Department of Financial Services, then reported market indicators including 7.61 million residential policies in force, an average premium of $2,755, 1.5 million Citizens takeout approvals, and recent negative trends in homeowners rate requests. He credited recent legislative reforms, especially tort reform and the Insurer Accountability Act, with improving market stability, increasing competition, and allowing the office to conduct more examinations and investigations, recover consumer restitution, and fine insurers for misconduct tied to recent hurricanes.
Yaworsky emphasized that Citizens Property Insurance has been rapidly depopulating from its 2022 peak and may fall below 300,000 policies, while cautioning that over-depopulation could create residual-market risks and assessments if a major storm hits. He also discussed the distinction between admitted and surplus lines markets, the role of reinsurance in Florida pricing, and the effect of inflation on total insured values and premiums. He said Florida has seen comparatively modest property rate increases relative to other states and noted that recent hurricanes did not produce the kind of rate spikes seen in prior years, which he attributed to a more stable market and reduced fraud and litigation pressure.
In response to a question from Senator Martin, Yaworsky explained that California’s wildfire crisis and regulatory structure are not a direct one-to-one comparison for Florida, but that California’s market problems can affect global reinsurance capacity and serve as a cautionary example of regulatory missteps. He also highlighted a recent Progressive auto insurance excess-profits refund of about $1 billion to policyholders, discussed possible federal changes to the National Flood Insurance Program, and urged greater home resiliency and code-plus adoption. The commissioner closed by calling for clearer consumer disclosures and responsible oversight of AI use in insurance filings. No bills were considered and no votes were taken; Senator Hooper moved to adjourn, and the committee adjourned without objection.
TX
Texas 89th 2nd C.S.
Pensions, Investments & Financial Services Mar 31st, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- actuarial soundness of the program, the bill authorizes TRS to impose a risk stabilization fee on premiums
- As long as it, and it's been structured where it doesn't degrade the stability of TRS's active care,
- I will tell you that this, this whole thing was structured.
TX
Texas 89th Regular
Pensions, Investments & Financial Services Mar 31st, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- actuarial soundness of the program, the bill authorizes TRS to impose a risk stabilization fee on premiums
- We're just basically giving them another shot, as long as it has been structured in a way that doesn't
- This whole thing was structured by service centers, trying to establish a kind of a cooperative that
Keywords:
gift card fraud, counterfeit gift card, gift card tampering, gift card theft, prepaid card, stored value card, retail fraud, financial crimes, consumer protection, organized retail crime, gift card skimming, magnetic stripe, chip card, redemption information, gift card packaging, Penal Code, felony theft, state jail felony, third-degree felony, second-degree felony
TX
Texas 89th Regular
S/C on County & Regional Government Mar 24th, 2025
S/C on County & Regional Government
Transcript Highlights:
- county to adopt an order prohibiting a person from constructing or maintaining a fence. or similar structure
- they do, local residents would have a place to go, an authority to go to, to arbitrate whether that structure
- However, due to officer shortages, these roles are often filled through premium paid off-duty assignments
Keywords:
family leave, leave pool, county employee, sick leave, vacation leave, family care, pandemic, guardianship, fencing, reservoirs, local government, regulation, land use, conservation capacity, property regulation, fence regulation, reservoir safety, county authority, fencing regulations, counties
MN
Minnesota 2025 1st Special Session
Committee on State and Local Government - 04/03/25
State and Local Government
Transcript Highlights:
- providers have seen a massive increase in their insurance costs, including an average 45% increase in premiums
- And no surprise, our premiums have gone up.
- with a number of insurers that have left our state market and then significant coverage reduction in premium
- And no surprise,<00:03:34.560>
our <00:03:34.799>premiums <00:03:35.120>have <00: - I will note that coverage reduction in premium increases coverage reduction in premium increases um<00
LA
Transcript Highlights:
- more traditional, where folks are just either abandoning their property, particularly multifamily structures
- Structures and multifamily dwellings fall under commercial properties.
- ordinance violations, including housing violations, which are defined as conditions in privately owned structures
- and remediation costs, employee displacement, labor and material shortages, increased insurance premiums
- and remediation costs, employee displacement, labor and material shortages, increased insurance premiums
Bills:
HR217, HB66, HB204, HB208, HB326, HB472, HB483, HB484, HB793, HB1051, HB1080, HB1087, HB1111, HB1215, SB78, SB148
Keywords:
rent stabilization, affordable housing, cost burdened, Louisiana housing, housing policy, emergency rental protections, Alexandria, municipal ordinances, administrative adjudication, code enforcement, housing violations, building codes, zoning, nuisance ordinances, vegetation ordinances, sewerage, drainage, licensing, permits, local government
Summary:
The committee met on April 29 and heard a series of local bills affecting municipal and parish governance, blight enforcement, planning boards, and other local issues. Early actions included adopting a three-minute rule due to the late hour and deferring several bills that were not to be heard that day. House Bill 483 was voluntarily deferred, while House Bill 484 on the New Orleans Regional Business Park was amended and reported favorably. House Bill 78 on the Shreveport Downtown Development Authority was amended to correct a district reference and then reported favorably. House Bill 66, expanding Alexandria’s administrative adjudication authority for ordinance violations, was supported by the city and reported favorably. House Bill 326, requiring the Tickfaw police chief to reside in the village, was also reported favorably.
The committee then took up several Shreveport blight-related bills. House Bill 1051, dealing with demolition of dilapidated residential property, was amended to allow the city to rely on reports from code enforcement, fire, police, or other public safety officials, and was reported favorably. House Bill 1080, a similar measure for condemned commercial property, was also reported favorably, with the sponsor noting he would consult the city attorney before floor debate. Senate Bill 148, allowing Lake Charles to pay a modest per diem to planning commission members by local ordinance, was reported favorably. House Bill 208, which would let St. Helena Parish voters decide whether to impose term limits on parish governing authority members, drew opposition from the police jury and failed on a recorded vote, 3-10.
The committee also considered House Bill 1215 on the disposition of historical statues and monuments, adopting an amendment to prevent transferred monuments from being placed back in the parish where they were removed, and then reporting the bill favorably as amended. House Bill 793, a contested bill addressing subdivision plats filed without parish approval and the running of prescription, generated extensive testimony from the author, parish officials, the McCormicks, and a former appellate judge; the committee ultimately reported it favorably, with the author saying he would keep working on the language and send it to the Law Institute. Finally, House Bill 472, authorizing local rent stabilization measures during declared emergencies, was amended to limit any local ordinance to the duration of a governor-declared emergency, tie increases to CPI, and cap the measure at 365 days; the bill remained under discussion with questions about its relationship to existing price-gouging laws and whether the committee should wait for a broader study.
NH
Transcript Highlights:
- income-based premium tax that we have and still have extra money left over by doing this.
- income-based premium tax that we have and still have extra money left over by doing this.
- income-based premium tax that we have and still have extra money left over by doing this.
- income-based premium tax that we have and still have extra money left over by doing this.
- Overall, we have no major concerns with the way that the new tax would be structured.
Summary:
The committee heard testimony on House Bill 1596, which would raise New Hampshire’s cigarette excise tax from $1.78 per pack to about $2.80, using an inflation-based adjustment since the rate was last set in 2008. Representative Jerry Stringham, the bill’s sponsor, said the measure would keep New Hampshire competitive with neighboring states, generate revenue, and help offset other budget pressures. He also described the bill as repealing an income-based premium charge in Medicaid/CHIP-related programs and restoring cuts to the University System of New Hampshire, arguing that the combined package would still leave the state in a positive fiscal position. He said the tobacco tax increase would likely have some cessation effect but would remain low relative to other New England states, and he cited prior testimony from health groups supporting a larger increase.
Members questioned the sponsor about how the new rate was calculated, the prior tobacco tax reduction and restoration, whether tobacco companies would absorb or pass on the tax, and the fiscal note’s estimates for Medicaid premium revenue and UNH funding. Stringham said he used Bureau of Labor Statistics inflation data, that the earlier 10-cent reduction did not produce the expected sales increase, and that the current bill would eliminate the premium charges now in the budget. He later clarified that the Department of Medicaid Services had updated the revenue estimate, but said the bill still showed a surplus overall. He also said the federal government already imposes a $1-per-pack tax and that New Hampshire would remain below neighboring states even after the increase.
Two public witnesses testified in opposition to the tax increase. Anna Bettincourt, a tobacco category manager, argued that higher tobacco taxes would unfairly target smokers, reduce New Hampshire’s tax advantage, and likely shift purchases to other states or illicit markets rather than reduce use. She said tobacco companies generally do not lower prices and that Massachusetts’ flavor restrictions had not eliminated sales. In response to questions, she maintained that a smaller increase would still be harmful and that enforcement problems make bans ineffective. The sponsor and some members countered that smokers impose higher health costs and that tobacco taxes are a policy tool for both revenue and public health. No vote or final committee action was taken in the portion of the meeting provided.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Wednesday, November 12, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- Health care premiums are skyrocketing.
- COVID-era premium subsidies.
- SO THIS IS NOT WHAT IS AFFECTING OTHER PEOPLE'S PREMIUMS.
- PREMIUM INCREASES ARE ACTUALLY DRIVEN BY MULTIPLE FACTORS.
- TOLD HER PREMIUMS WILL JUMP TO NEARLY A THOUSAND DOLLARS.
NH
Transcript Highlights:
- In some cases, questions have even been raised about the basic structure of the separation of powers
- <01:29:00.480>
of <01:29:00.639>the raised about the basic structure of the raised - about the basic structure of the separation<01:29:01.360>
of <01:29:01.520>powers <01:29 - The bill removes the income-based premium tax for some Medicaid recipients imposed on Granite Staters
- :36:56.479>
Advantage premiums for the Grant Advantage premiums for the Grant Advantage Medicare
HI
Transcript Highlights:
- The value is in the potential for a permanent data sharing structure that we're looking at, that goes
- This will lead to increased cost for Hawaii families through higher insurance premiums.
- This will lead to increased cost for Hawaii families through higher insurance premiums.
- This will lead to increased cost for Hawaii families through higher insurance premiums.
- the private Market where premium the private Market where premium increases<03:54:12.080>
may
NH