Transcript Highlights:

• Their job is to ensure that the businesses operating within communities are operating safely.
• Joining me today is the agency's Charitable Bingo Operations Director, LaDonna Castanuela.
• Now that the accurate company was operated in Texas, you took action or what happened?
• Modify and to change the operation so that we would not be inundated. with this.
• The current Lottery Operator Services vendor has been our vendor since the beginning.

Keywords: 1184, house, all

Transcript Highlights:

• And what I would say is not all of these funds can go to support the necessary operations.
• We also have financing DSOs for our convocation arena, convocation operations, stadium operations, and
• We also have financing DSOs for our convocation arena, convocation operations, stadium operations, and
• Legislative funding no longer covers essential building operations like plant operation and maintenance
• Just looking at plant operation and maintenance at FSU, it was last funded in F1, plant operation and

Summary: The committee held an informational hearing on higher education funding, focusing on how Florida’s university system should be financed and whether a new funding model is needed. University system financial officers and Chancellor Ray Rodriguez discussed major cost drivers, including wages and benefits, utilities, maintenance, financial aid, research, and the effects of geography, institutional mission, and student mix. UF highlighted the cost of research and graduate programs; UCF and FAU pointed to growth, location, and cost of living; FAMU emphasized recruiting top-tier talent while relying on other revenue sources; and UNF noted the challenges of growth and long-term planning. Members also discussed the role of internal controls and audits in addressing excessive spending and questioned whether out-of-state tuition should be adjusted to help offset costs. On revenue sources beyond state appropriations and tuition, the panel described auxiliaries, restricted funds, capital projects, and component units such as foundations and health systems. Several universities noted that some revenues are restricted to specific purposes and cannot be used for general operations. FAMU explained that a large share of its capital project funding reflected active campus construction, while UF said its component-unit revenue is largely tied to UF Health. The Chancellor emphasized that the system’s low tuition and strong state support are central to Florida’s national standing, but also noted that some auxiliary revenues are pledged to debt and must be managed carefully. When discussing the current funding process, witnesses praised Florida’s performance-based funding model for aligning incentives with student success, transparency, and accountability. They also raised concerns about non-recurring appropriations, rising employee benefit costs, unfunded mandates, deferred maintenance, and the difficulty of multi-year planning. Suggestions for improvement included more recurring funding, better coverage of mandated costs, greater flexibility in fee-setting, and possible weighting for mission, geography, and institutional type. The Chancellor said the Board of Governors is considering a “version 3.0” of performance-based funding that would benchmark institutions against peers and Carnegie classifications, but any changes would require legislative action. On out-of-state tuition, most universities said they would prefer local board flexibility, while the Chancellor cautioned that increasing out-of-state enrollment or fees could affect future state support and should be balanced carefully.

Transcript Highlights:

• includes number one an operating includes number one an operating adjustment<00:50:04.599> um
• to stand up this unit they're operating to stand up this unit they're operating now<01:13:39.719
• size and scale of your operations size and scale of your operations director<01:27:32.000> Bine
• operate operate the<01:41:24.040> remainder<01:41:24.280> of<01:41:24.400> the<
• uh Rex um an operating governor's uh Rex um an operating adjustment<01:41:56.719> of<01:41:56.920

Bills: HF2432

Keywords: HF2432, judiciary finance bill, public safety finance bill, corrections policy, crime victims, victim services, Minnesota victims of crime account, court fees, marriage license fee, financial crimes, fraud investigations, insurance fraud, Bureau of Criminal Apprehension, BCA, Commerce Fraud Bureau, wage theft, automobile theft prevention, nonprofit security grants, 911 funding, POST Board

Transcript Highlights:

• here in California operating.
• So under the Tier 1 expenditures, what is state operations?
• And if I may just clarify, this is the administration's interpretation of state operations.
• Also, again, just providing state operations with that first priority.
• And that includes thinking about state operations.

Summary: The meeting began with a budget subcommittee hearing on a proposed sustainable aviation fuel (SAF) tax credit trailer bill. Assembly Members Ávila Farías and another member spoke in support, emphasizing union jobs, refinery investments, and the need to decarbonize aviation. The Department of Finance said the Governor’s proposal would provide a $1 to $2 per gallon credit against the diesel excise tax for SAF sold in California from 2026 to 2036. The Legislative Analyst’s Office recommended rejecting the proposal, arguing it is a relatively expensive way to reduce emissions, has uncertain environmental benefits, could significantly reduce transportation revenues, and conflicts with the spirit of voter restrictions on transportation taxes. Committee members questioned whether the credit would mainly benefit out-of-state producers, whether firms would have diesel tax liability to use the credit, and whether the proposal would shift production away from renewable diesel and raise fuel prices. Administration and CARB staff said the credit is intended to support aviation decarbonization, preserve jobs, and help keep California on track toward its 2045 climate goals. LAO and UC Berkeley testimony countered that the policy could mostly subsidize existing technologies, that feedstock supply is limited, and that the net emissions benefit may be small relative to the cost. Members also asked about the effect on local streets and roads, SHOP, and trade corridor funding; Finance estimated a $165 million annual revenue impact would reduce those programs, while LAO said the reductions would mean fewer projects over time. No vote was taken, and the chair said the issue would remain open for further discussion. The committee then moved to a zero-emission vehicle incentive trailer bill proposing a one-time $200 million appropriation to CARB for a new point-of-sale incentive program focused on first-time buyers and leases of new and used light-duty ZEVs. Supporters said the program would help offset the loss of the federal EV tax credit, maintain momentum in California’s ZEV transition, and use a one-to-one match with participating automakers to double the state’s investment. LAO recommended rejection, saying the proposal does not meet the high budget bar this year, lacks enough program detail to evaluate, is unlikely to move sales significantly given the size of the appropriation, and could duplicate existing state and utility programs. Members asked about current incentives across light-, medium-, and heavy-duty sectors, the recent decline in ZEV sales, and whether the program would help lower-income buyers rather than subsidize purchases that would have happened anyway. CARB said the proposal is meant to fill a gap in the light-duty market, where sales fell sharply after the federal credit expired, and noted existing programs for other vehicle classes. The Department of Finance also addressed a separate question about the Motor Vehicle Account, saying a previously planned GGRF transfer was no longer needed because updated forecasts showed the fund had sufficient balances, though LAO said the account still has a structural long-term imbalance. The discussion ended before any vote or action on the ZEV proposal.

Transcript Highlights:

• We, noticing the absence of a quorum, will operate as a subcommittee. We'll proceed to Item 1.
• It is an important step toward finally putting safeguards around an industry that has operated in the
• Around an industry that is operated in shadows for far too long.
• Emergency personnel were left on hold for 53 minutes as remote operations were overwhelmed.
• There have been several incidents involving AV operators across the state.

Summary: The Assembly Communications and Conveyance Committee met with several bills on the agenda, beginning with SB 739 (Arreguín) on the Clean Miles Standard and Incentive Program for transportation network companies. The author and supporters from Lyft, Uber, and TechNet said the bill would update EV miles traveled and greenhouse gas targets to reflect current market conditions, add flexibility for CARB and the CPUC, and protect drivers from losing platform access while also creating a path for future electrification. Opponents including the American Lung Association, Sierra Club California, and NRDC argued the bill would weaken a program meant to accelerate EV adoption and should retain stronger targets. Members discussed affordability, charging infrastructure, and the need to balance climate goals with feasibility. The committee approved SB 739 as amended and re-referred it to Appropriations, later recording a 9-0 vote when the roll was completed. The committee then heard SB 1190 (Grove), the “Safe Passage for Youth Act,” which would regulate private youth transport services used for out-of-state residential placements. The author and sponsor testimony described abusive practices such as nighttime pickups, blindfolds, restraints, and emotional trauma, and said the bill would require CPUC permitting, TrustLine background checks, training, parental consent, and bans on certain practices. Support came from youth and disability advocates, with no opposition testimony. The bill was moved on a due pass as amended recommendation and later passed 9-0. SB 1191 (Ochoa Bogh) would extend the sunset for California High Cost Fund A and B universal service programs that help provide affordable telephone service in rural and high-cost areas. Supporters from rural telecom companies and industry groups said the funds are essential for maintaining service, 911 access, and emergency communications in remote communities. There was no opposition, and the committee advanced the bill on a due pass recommendation; it later passed 9-0. The consent item, SB 985 (Strickland) on the 911 emergency system, was also approved. Finally, the committee heard SB 1246 (Cortese) on autonomous vehicles and emergency response. The author and supporters from SEIU California and the California Professional Firefighters said the bill would require AV companies to provide incident response, notify local jurisdictions during system failures, ensure U.S.-based remote drivers, and prevent public safety workers from having to manage AV breakdowns. Industry opponents argued the bill intrudes on federal vehicle standards, gives local governments enforcement authority they should not have, and could create overly broad notification and response requirements. Members raised questions about local control, response times, and whether the bill was premature given existing DMV regulations. Despite those concerns, the committee passed SB 1246 on a due pass as amended recommendation, later recording a 7-1 vote. The committee then recessed and returned to complete roll calls before adjourning.

Transcript Highlights:

• And, for example, operators can monitor and intervene if there are responsible gaming concerns.
• We're not only represent the operators, but also a lot of the back-end suppliers.
• We're not only represent the operators, but also a lot of the back-end suppliers.
• Illegal operators.
• we know Massachusetts could support a market of at least 15 to 20 online gaming operators.

Keywords: 995, all

Summary: The Joint Committee on Consumer Protection and Professional Licensure held a hearing on a range of gaming, racing, horse protection, problem gambling, and lottery bills. A major focus was H. 356 and related horse-racing legislation, which drew strong support from residents and animal-welfare advocates who argued that proposed racetrack and simulcast developments should require upfront traffic, environmental, public health, and economic studies, plus stronger local approval and transparency. They said past proposals in several communities had lacked adequate information and had imposed costs on towns. Opponents, including the New England Horsemen’s Benevolent and Protective Association, argued that the bills would harm racing, breeding, farms, and related jobs, and said horse racing is already heavily regulated and that claims about slaughter and safety were overstated. Several speakers also supported S. 280, which would protect horses and phase out or restrict horse racing, citing animal cruelty, injuries, and deaths. The committee also heard extensive testimony on SB 235 and HB 332 to authorize regulated online casino gaming (iGaming). DraftKings, FanDuel, IDEA, and the Sports Betting Alliance supported the bills, saying iGaming is already occurring illegally in Massachusetts and should be brought into a regulated, taxed market with age verification, responsible gaming tools, and consumer protections. They projected substantial annual tax revenue and argued legal iGaming would not cannibalize brick-and-mortar casinos, instead creating a “rising tide” effect. Opponents, including Local 26, the National Association Against iGaming, and problem-gambling advocates, warned of job losses, casino cannibalization, increased addiction, and greater harm to vulnerable players, citing experiences in other states and rising helpline calls. The committee asked for follow-up information on revenue and market-size estimates. Later, Rep. Scanlon testified in support of S. 240 and S. 241, which would standardize gambling disclaimers and require annual reporting on problem-gambling treatment funded through the Public Health Trust Fund. He said the bills would make it easier for people to find help and improve oversight of treatment programs. Rep. Garcia testified in support of H. 434, which would change the formula for distributing lottery revenues, arguing that gateway and lower-income communities such as Chelsea contribute heavily to lottery sales but receive too little back in local aid. After hearing additional testimony and reading into the record bills that received no testimony, the committee recessed briefly, then closed the hearing by motion and vote.

Transcript Highlights:

• I believe Miami Beach would benefit from an operational audit. This isn't about fault finding.
• For the Auditor General, conduct an operational audit of the City of Miami Beach. Thank you.
• However, we want this audit to look at the full operation of the DDA. Thank you. Appreciate it.
• This happened in 2022, so we've been operating that for the past almost three years now.
• This happened in 2022, so we've been operating that for the past almost three years now.

Summary: The Joint Legislative Auditing Committee met to consider several audit requests and enforcement items involving local governments and special districts. The committee approved operational audits of the City of Miami Beach, the Delray Beach Downtown Development Authority, and the City of Daytona Beach. In each case, the requesting member described concerns about transparency, financial management, or internal controls, while local officials or representatives generally said they were willing to cooperate and, in Delray Beach’s case, noted that an internal audit had already been completed and that some issues were being corrected. The committee also received a presentation on the statewide review of neighborhood improvement districts. The reviewers reported that 15 of 21 districts were active and six inactive, with common findings including outdated or missing performance plans, weak web presence, inadequate meeting notices, and limited management mechanisms. They said staffing levels often correlated with the ability to meet statutory requirements, and they recommended updates to district governance and transparency practices. On enforcement, staff reviewed local governments and special districts that had failed to file required financial reports or had submitted audit reports missing required information. The committee approved staff recommendations to proceed under the statutory enforcement process for the noncompliant entities, with flexibility for the chair and vice chair to delay action if additional information is provided in good faith. The committee also voted to send a letter to the Union County Legislative Delegation encouraging a local bill to dissolve the Town of Rayford, based on staff’s view that the town lacked employees, services, debt, and a clear reason to continue existing as an incorporated municipality.

Transcript Highlights:

• Madam Chair, Members, I think the operative words here are "efficient."
• the community, and you're not responsible for liabilities of a previous operator.
• interest in the operations, anyone who has an ownership interest in the real estate, etc.
• Residents deserve know who owns and operates their home.
• It's paid from the operating entity to the real estate entity.

Bills: HB660, HB4845, HB3902, HB5396, HB4615, HB1825, HB1403, HB4336, HB4585, HB4371, HB863, SB1589, HB5223, HB3195, HB2734

Keywords: child protective services, adult protective services, caseload limits, call processing goals, child-care licensing, employee workload, reporting requirements, employee caseload limits, protective services, workload management, accountability, Department of Family and Protective Services, employee goals, call processing, child care, human resources, government accountability, Medicaid, provider enrollment, revalidation

Transcript Highlights:

• This clarification is a technical adjustment aimed at improving the operational efficiency of the Port
• at the expense of our operator.
• or a bill, we would not be able to upgrade our rail lines to operate 286,000-pound rail cars and operate
• Yeah, to my knowledge, none of this goes to operational or administrative.
• The legislation aims to streamline operations and enhance flexibility.

Summary: The Senate Transportation Committee heard several bills focused on transportation infrastructure, public safety, and local commemorations. SB 2841 would clarify the overweight corridor designation for the Port of Brownsville so all three statutorily approved bridges are treated uniformly for northbound and southbound overweight traffic; the Port of Brownsville testified in support, and the bill was left pending. SB 39 would restore the commercial motor vehicle “admission rule” framework in collision cases; Senator Birdwell explained the committee substitute, and the bill was later reported favorably. The committee also heard and later advanced SB 682, SB 1369, and SB 1422, which rename stretches of highway or a bridge in honor of fallen firefighters and military service members, with no opposition testimony and all left pending before final votes. The committee also heard SB 2366, which would create a grant program for short-line railroad projects through rural rail transportation districts for track, bridge, capacity, and restoration work. Senator Hughes and several witnesses from rural rail districts and rail advocacy groups supported the bill, while TxDOT explained current rail funding is limited and that the bill would be the first such grant program for Class 3 short lines; members discussed that the bill would need a floor amendment because state funds cannot be paid directly to railroads. SB 1013 would expand crosswalk protections under the Lisa Torrey-Smith Act to include certain driveway curb cuts along sidewalks; it was supported by the author and left pending before later being reported favorably. The committee also considered SB 2080, which would modernize port and navigation district rules by easing records and procurement requirements, exempting certain security and cybersecurity discussions from recording, and expanding some operational authority. Port Houston and the Texas Ports Association supported the bill, while the City of Corpus Christi raised concerns that the language could expand port economic-development authority beyond navigation purposes and affect local tax bases; the Port of Galveston also noted concerns about the filed version but supported the bill as presented, and the committee substitute was later reported favorably. SB 2001 would create specialty license plates and related parking/toll benefits for permanently disabled peace officers; SB 2705 would codify registration exemptions for certain farm equipment and some specialty plates. Both were supported by witnesses, adopted with committee substitutes where applicable, and reported favorably. Final votes on the reported bills were largely unanimous or near-unanimous, and the committee recessed after leaving some motions open briefly.

Transcript Highlights:

• We've spoken to many shortline operators across the state, and a common theme has emerged.
• can operate or not, whether it's safe or not.
• the ties installed at the expense of our operator.
• Uh, and they need this to sustain their operations and they also are expanding their reach.
• Now, Cartel operatives that are familiar with these, they are familiar with these fixed point operations

Transcript Highlights:

• Security and institutional operations, which is, of course, all the prisons and annexes.
• Moving on to private prison operations, $40 million over the last two years.
• And lastly, the operational deficits for 2023-24.
• Those are state-operated.
• Those are state-operated.

Summary: The committee met to hear an overview of the Appropriations Committee on Criminal and Civil Justice budget area and then received performance-measure presentations from the Department of Corrections, the Commission on Offender Review, and the Department of Juvenile Justice. Staff reviewed the roughly $7.4 billion criminal justice and judiciary budget, noting major funding areas such as corrections, law enforcement, victim services, courts, and due process, along with recent investments in prison health care, security equipment, fentanyl enforcement, court staffing, and juvenile justice salaries and education programs. Secretary Dixon of the Department of Corrections described staffing and population pressures, including growth in inmate population, overtime-driven deficits, and the opening of additional housing units. He emphasized the department’s use of performance measures and highlighted reforms such as incentivized prisons, administrative management units, reentry planning, faith-based programs, and expanded education and vocational training. Members asked about teacher hiring, public defender pay parity, fentanyl funding, staffing capacity, and the role of the National Guard; Dixon said teacher vacancies had improved, public defenders had received comparable pay increases, fentanyl funding would be addressed further by FDLE, and the Guard had helped stabilize staffing. The Commission on Offender Review reported on parole, conditional release, addiction recovery supervision, and revocations, saying its recidivism/success rates had improved over a three-year measurement period. Senator Rouson pressed the commission on clemency and pardons, saying that work was omitted from the presentation and asking for backlog and case data; the commission said it did not have those figures on hand and would follow up. The committee also discussed a conditional medical release pilot study, and members questioned the report’s conclusion that no suitable elderly inmate population could be identified, asking what criteria were used and whether stakeholders were consulted. Secretary Hall of the Department of Juvenile Justice outlined the agency’s prevention-to-residential continuum and its emphasis on education, data-driven decision-making, and evidence-based programming. He said salary increases had reduced vacancies, juvenile arrests and residential commitments had fallen sharply over time, and tools such as civil citations, risk assessments, and quality-improvement reviews were being used to guide placements and services. Hall also described the department’s use of dashboards, monthly data check-ins, and the dispositional matrix to improve outcomes and reduce recidivism.

Transcript Highlights:

• We should all want state programs to operate and function as intended and within expected costs.
• We should all want state programs to operate and function as intended and within expected costs.
• and function as intended and operate and function as intended and within<00:07:27.960> expected
• enjoy these businesses operate enjoy these businesses operate differently<00:22:15.640> than<
• Minnesota is in the top three or four states being the most costly to operate in.

Keywords: 1183, house

Transcript Highlights:

• They would have the support of incredibly trained call center operators.
• And we also want those operators to have that tool at their disposal.
• And we also want those operators to have that tool at their disposal.
• WellSpace Health has operated a suicide prevention...
• WellSpace Health has operated a suicide prevention line since 1953.

Keywords: 988, house, all

Summary: The joint oversight hearing focused on AB 988 implementation and suicide prevention in California Indian communities. Members and the chairs emphasized that 988 was intended to create a behavioral health crisis system with “someone to call, someone to come, and somewhere to go,” and then turned to the disproportionate suicide burden facing Native youth and the need for culturally responsive outreach and services. Assemblymember Bauer-Kahan, the bill’s author, said the law has already saved lives but argued that key parts of the system—especially interoperability between 911 and 988, mobile crisis dispatch, and adequate funding—are not yet working as intended. The first panel of stakeholders and call center leaders largely said California’s 988 network is underfunded and not fully integrated. Speakers from the Steinberg Institute and 988 California said call, text, and chat demand has grown sharply, but staffing and funding have not kept pace, leaving text/chat answer rates far below the state’s goals and sending many contacts to out-of-state backup centers. They also said mobile crisis teams are not being dispatched through 988 statewide, and that the state’s current governance and funding structure is too fragmented. WellSpace Health and other providers described 988 as the “front door” to crisis care, urged more stable funding, and recommended broader use of the CCBHC model to support mobile crisis and behavioral health infrastructure. San Joaquin County offered a local success story, describing a countywide crisis continuum that links 988, mobile crisis, behavioral health access lines, and follow-up services through warm handoffs and coordinated outreach. County officials said the model has reduced reliance on emergency departments and involuntary holds, and they noted that local partnerships and repeated community meetings were key to implementation. Members asked about staffing, tribal outreach, and how to make the system more measurable and interoperable; panelists said staffing projections should be based on actual call volume and contact length, and that tribal-specific outreach has often depended on temporary grant funding. State officials from CalHHS and DHCS then described the five-year implementation plan, the roles of multiple agencies, and current performance data. They said California’s 988 system has handled more than 74,000 contacts in a recent month, with in-state answer rates of 87% for calls and lower rates for chats and texts, and that unanswered contacts are routed to backup centers. They highlighted training efforts, LGBTQ+ competency work after the end of the federal “Press 3” option, and efforts to improve reimbursement for mobile crisis services. No formal votes or committee actions were taken during the hearing.

Transcript Highlights:

• Thirteen of these tribal governments operate Class III gaming, two under the 1997 compacts and eleven
• Under the state statute, operations of slot machines at horse tracks and veterans and fraternals are
• The gaming operations create additional commerce.
• So we likely have Jen Schusterman and Sarah Joe Bowman on the Zoom if it is operational.
• Operational. Yes, David D. We have 17 in attendance. Attendance. Well, uh, Jim, Jim Schusterman.

Transcript Highlights:

• Operating budget request in the amount of $9,069,208.15 for our funded 94300.
• This is our operating budget.
• The executive summary now with the key points: 94300 operating budget table.
• The current operating budget is not fully spent.
• Chair, members of the council, Jeff McCurdy, PSA Maintenance Operations.

Transcript Highlights:

• Lohmeyer. officer in the fields of intelligence and special operations make him ideal for a candidate
• If confirmed, you would run the day-to-day operations of the Department of the Air Force and assist the
• It was a quote government-led false flag operation.
• That's Barrow to be able to station search-and-rescue operations.
• Zimmerman, in your assessment, have U.S. operations against the Houthis been a success?

Keywords: Department of Defense, nominations, Matthew Lohmeyer, Justin Overbaugh, global security, military readiness, NATO, Russia, China, defense infrastructure

Summary: The meeting was primarily focused on discussing nominations for key positions within the Department of Defense, specifically for roles such as the Undersecretary of the Air Force and the Deputy Undersecretary of Defense for Intelligence and Security. Senators expressed urgent concerns about global security threats, the need for robust military readiness, and the emphasis on effective collaboration with NATO allies amidst rising tensions with adversaries such as Russia and China. Several senators highlighted the challenges facing military infrastructure and defense capabilities, suggesting a critical need for improvements and investment in these areas to ensure national security.

Transcript Highlights:

• I have come to this work because I came from the industry and understand how it operates in its current
• And it's really getting to the point of, my members are saying, is it worth it to even operate in the
• We own and operate the Shoreway Environmental Center that's located in San Carlos.
• and helps tank operators meet environmental responsibilities without facing financial penalties.
• . operations entirely.

Keywords: 988, house, all

Transcript Highlights:

• We don't operate on a state.
• We had a grandfather clause to smoke shops currently operational within 500 feet of a school, giving
• Inspectors are empowered to say this tower crane needs to be come in operational, not non-operational
• But I know how you operate. I know you're an honors program.
• The legislature should repeal the preemption so that they could operate in this space.

Keywords: 999, senate, all

Transcript Highlights:

• And so to be able to provide confidence to someone who's going to come and create a large operation and
• We are the the Florida operator, if you will. And that program has been around since about 1988.
• And as the teenager had a lot of opportunity to work, summers and that operation.
• all the other families that worked for the for the small operation as I was hooked on manufacturing
• So this slide, the overview of the container terminal operations.

Keywords: 999, senate, all

Transcript Highlights:

• I own and operate Rust Hill Ranch in Chisago County.
• I own and operate Rust Hill Ranch in Chisago County.
• Uh, those payments were scheduled over a 10-year period when a plant became operational.
• Uh, those payments were scheduled over a 10-year period when a plant became operational.
• Uh, those payments were scheduled over a 10-year period when a plant became operational.

Bills: HF770, HF857, HF38, HF1500, HF43

Keywords: HF770, Rural Finance Authority, RFA, capital investment, state bonds, general obligation bonds, bonding bill, agricultural loans, farm loans, beginning farmer, new farmer, seller-sponsored loans, loan restructuring, agricultural improvement loans, livestock expansion, modernization loans, rural development, Minnesota agriculture, farm credit, chapter 41B