Video & Transcript Research : 'liability'

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TX

Texas 89th Regular

State Affairs Mar 26th, 2025

State Affairs

Transcript Highlights:
  • The substitute makes a change that will improve the implementation and tighten the liability language
  • Does that liability continue in perpetuity?
  • But you have a trailing liability, would you not? I think you would. Okay, that's a good question.
  • Provision so that they pass the liability off. Right. That would be the best solution.
  • bill up in environmental tomorrow which you'll hear again to make sure that there's some financial liability
NH
Transcript Highlights:
  • We have<00:15:03.519> an<00:15:03.680> asset<00:15:04.160> liability<00:15:04.959
  • > committee,<00:15:05.839> an<00:15:06.560> uh have an asset liability committee
  • with what's going on in the credit union movement, what are the important things, how does asset-liability
  • <00:16:52.880> management how does asset liability management how does asset liability management
  • it's never been more important liability it's never been more important than<00:25:12.080> it
Keywords: 928, house, all
Summary: The committee held a public hearing on Senate Bill 25, which would allow New Hampshire state-chartered credit unions to choose, by member vote, to compensate their board members. Prime sponsor Senator Dan Innis said the bill is enabling only, does not require compensation, and is intended to align New Hampshire with other states that already permit this. He argued that credit union board service now requires more time and expertise, and that compensation could help attract stronger candidates and improve governance. Representatives from the Cooperative Credit Union Association and St. Mary’s Bank testified in support. They said the change would not create salaries, but could cover modest compensation or reimbursements such as daycare, education, cybersecurity, or accounting training. They emphasized that credit unions remain nonprofit and member-driven, that board members must be credit union members and elected by members, and that any compensation decision would be made by the membership at an annual meeting or through the credit union’s voting process. Witnesses also said the bill would help with recruitment and retention, especially as credit union operations have become more complex and digital, and noted that similar authority exists in 16 other states, including Rhode Island. Committee members asked about the historical reason credit unions were excluded, the amount and structure of compensation, whether there would be a cap, and how voting would work. Witnesses said the bill does not set a statutory maximum, but in practice the amount would be disclosed to members and set through the vote; they also described St. Mary’s Bank’s ballot process and said proxy or ballot procedures depend on each credit union’s bylaws. One witness noted that federally chartered credit unions are subject to different limits. After testimony and questions, the chair closed the public hearing on Senate Bill 25 and then moved on to Senate Bill 26.
AL

Alabama 2026 1st Special Session

Alabama House State Government Committee Mar 18th, 2026

State Government

Transcript Highlights:
  • c><00:12:14.639> you<00:12:14.959> have<00:12:15.120> some<00:12:15.360> liability
  • <00:12:16.079> if<00:12:16.800> if >> I mean you you have some liability if if
  • >> I mean you you have some liability if if if<00:12:17.600> me<00:12:17.839> as
  • Second, the liability that in jeopardy.
  • Second, the liability protections<00:20:59.039> afforded<00:20:59.440> by<00:20:59.600>
Bills: SB88, SB337
NM

New Mexico 2026 Regular Session

House - Judiciary Feb 13th, 2026 at 05:37 pm

House Judiciary

Transcript Highlights:
  • That's because obstetrics is one of the highest liability fields of medicine.
  • Madam Chair, how will the medical liability be handled without the prescriber on the medication container
  • I'm not sure what you mean by liability, because...
  • I'm not sure what you mean by liability because there will be a record established in the facility from
  • This bill does not create new crimes or increased penalties; it simply clarifies existing law. liability
NM

New Mexico 2025 Regular Session

IC - Legislative Health and Human Services Nov 7th, 2025

Legislative Health & Human Services Committee

Transcript Highlights:
  • I wanted to highlight in this spreadsheet is that you'll see a very large increase for employee liability
  • Fiscal year 26, the liability increases for CYFD were included as a special appropriation of $1.5 million
  • This total increase in liability of $5 million is driving some general fund increases in the operating
  • Again, you'll see a large increase of about $1 million for increases in employee liability rates.
  • Fund and the increases in employee liability rates.
CA
Transcript Highlights:
  • The state recently increased its mandatory minimums of personal liability to $30,000 per person, $60,000
  • The state recently increased its mandatory minimums of personal liability to $30,000 per person, $60,000
  • transportation do have other forms of insurance that they're required to carry, like mostly it is liability
  • SB 757 required $5 million of general liability coverage and $1 million of underinsured motor coverage
  • SB 757 required $5 million of general liability coverage and $1 million of underinsured motor coverage
Summary: The hearing focused on transportation network companies in California, with the chair framing it as an informational hearing on the history, regulation, safety, climate, accessibility, and data issues surrounding Uber, Lyft, and smaller or autonomous TNC services. The CPUC described its decade-long regulatory role, including safety rules, background checks, insurance requirements, reporting obligations, and two major legislative programs from 2018: the Clean Miles Standard and the Access for All program. Members asked about complaint trends, data collection and disclosure, program implementation, and how the CPUC uses annual reports for policymaking, compliance, and program oversight. Uber and Lyft said the statewide framework has supported growth while providing safety and access benefits, but both companies emphasized that insurance is a major cost driver and argued that California’s UM/UIM requirement is unusually high compared with other vehicles. They said the Clean Miles Standard is pushing electrification but faces headwinds from EV affordability and charging infrastructure, while Access for All has expanded wheelchair-accessible service but still needs continued support. They also discussed transit partnerships, wildfire response, and the potential role of autonomous vehicles, with both companies saying human drivers will remain important and that future regulation should account for new technology. The final panel, including the San Francisco County Transportation Authority and UC Berkeley researchers, presented evidence that TNCs have increased congestion and reduced transit ridership, especially in dense urban areas. They described prior research showing TNCs contributed to congestion growth in San Francisco and noted that this work helped spur local taxes on ride-hailing trips to fund safety and transit improvements. The panel also discussed the CPUC’s evolving data-disclosure decisions, arguing that public access to TNC trip data is important for understanding transportation impacts and informing local policy.
TX

Texas 89th Regular

Health and Human Services (Part II) May 7th, 2025

Health & Human Services

Transcript Highlights:
  • So I think potentially one of the problems was the fact that there was no liability to any of these companies
  • So I think potentially one of the problems was the fact that there was no liability to any of these companies
  • Do something like they did last time, then those vaccines, I assume, would have liability, normal liability
  • The only thing that is required in order for a product that has no liability because it's under emergency
  • over here, more to the PEP Act, the only thing that is required in order for a product that has no liability
Summary: The committee first reopened testimony on House Bill 2216, which would strengthen child welfare requirements by expanding “active efforts” to help families avoid removal and support reunification, while also raising standards related to removals and terminations. Supporters from child welfare and family defense groups said the bill would better protect families and align Texas more closely with ICWA-style principles, but several warned it would require significant new funding, staffing, and community services such as mental health care, housing, child care, and substance use treatment. The committee then left HB 2216 pending. The committee next heard Senate Bill 1782, aimed at boarding and group homes. Senator Miles said the bill closes enforcement gaps left by prior law by requiring retention of background-check records and creating misdemeanor penalties for failing to conduct or keep them, or for knowingly hiring people with serious convictions. Harris County sheriff’s investigators testified in support, describing illegal boarding homes, operators who evade permits and background checks, and exploitation of vulnerable residents; the bill was left pending. The committee also took up Senate Bill 481 on emergency preparedness for nursing facilities and assisted living facilities, adopted a new committee substitute that softened some requirements and removed the fiscal note, and left the bill pending. The committee then heard House Bill 388, which would require the Texas Department of Insurance to create a single standardized coordination-of-benefits form for dual health plans to reduce errors and surprise bills; it was left pending. Senate Bill 1590 would move paternity registry searches for adoptions to an electronic process with a 10-day target, and House Bill 2809 would track child suicide attempts in managing conservatorship and require related reporting and parental notice; both were left pending. The committee also heard Senate Bill 1887, which would prohibit administering mRNA-containing products for immunization for 10 years, with exceptions for cancer and genetic disorders. Supporters argued the bill was needed for safety, informed consent, and medical freedom, while opponents from the medical, research, and public health communities said mRNA vaccines are well-studied, save lives, and that the bill would harm access, research, and Texas’s biotech economy. The bill remained under discussion as testimony concluded.
CA
Transcript Highlights:
  • non-refundable state income tax credit, which means if a business does not have state income tax liability
  • expansions might be competitive for a tax credit but are not eligible because of their lack of tax liability
  • expansions might be competitive for a tax credit but are not eligible because of their lack of tax liability
  • and the discussion about challenges for smaller, emerging startup companies, those without tax liabilities
  • Promising but don't yet have tax liabilities. So thank you very much. Thank you. All right.
Summary: The Assembly Budget Subcommittee 5 on State Administration heard presentations from Go-Biz and the Department of Financial Protection and Innovation on the Governor’s budget proposals. Go-Biz described California Jobs First, the state’s 10-year economic development strategy, and emphasized support for small businesses, workforce development, and targeted investment in sectors such as ag tech, life sciences, semiconductors, and advanced manufacturing. Members raised concerns about federal policy changes, tariffs, tourism, housing, child care, and whether state incentives are truly additive; Go-Biz responded that it tracks federal actions closely, works with chambers and advocates, and uses programs like California Competes to target jobs that would not otherwise come to California. The committee then reviewed the proposal to restore the California Competes grant program with $60 million. Go-Biz said the grant would help businesses that cannot use the nonrefundable tax credit, and explained the program’s five-year contracts, milestone-based awards, and recapture provisions. The Legislative Analyst’s Office said the grant could be effective but recommended stronger oversight and clearer eligibility criteria, while also noting the 30% cap in trailer bill language may be too restrictive given the smaller funding level. Public testimony supported the grant and suggested considering refundability or transferability for the tax credit to broaden access for smaller and startup businesses. Members also heard the CHIPS-related proposal for $25 million to support Natcast’s semiconductor design and collaboration facility in Sunnyvale. Go-Biz and public witnesses argued the state investment would help secure a major federal research facility, retain engineering talent, and leverage billions in broader investment, while the LAO recommended rejecting the item because of its dependence on uncertain federal funding and the state’s budget condition. The committee also considered a $17 million continuation of CA RISE, which supports employment social enterprises; Go-Biz and several grantees cited strong job placement and workforce outcomes, while the LAO recommended rejection absent a more rigorous evaluation, noting prior LA RISE evidence did not show long-term employment gains. Finally, the Department of Financial Protection and Innovation presented budget requests for IT security and rent increases, and a trailer bill to raise fees across several programs. DFPI said decades-old fee schedules, inflation, and new regulatory responsibilities have created a structural deficit and warned the department could face insolvency without adjustments. The LAO recommended approving the fee increases only on a three-year limited-term basis and asked for more detailed revenue plans for programs not covered by the proposal, so the Legislature can assess actual collections and market impacts before making the changes permanent.
CA
Transcript Highlights:
  • We have liability and, you know, responsibility to do this. But...
  • We have liability and responsibility to do this, but we need to ask ourselves the hard question, be the
  • One of my questions is, what liability do we have if we didn't maintain Bolsa Chica as a wetlands?
  • We have liability and responsibility to do this, but we need to ask ourselves the hard question, be the
  • One of my questions is, what liability do we have if we didn't maintain Bolsa Chica as a wetlands?
Summary: The Assembly Budget Subcommittee heard the administration’s spending plan for Proposition 4’s climate smart agriculture and biodiversity chapters, along with related trailer bill language. CDFA outlined proposed funding for existing programs such as SWEEP, Healthy Soils, Urban Agriculture, and invasive species work, plus new or phased-in programs including year-round and mobile farmers’ markets, tribal food sovereignty, and regional farm equipment sharing. The Department of Conservation described funding for the California Farmland Conservancy Program and Working Lands and Riparian Corridors Program, while the Department of Finance and LAO discussed pending allocations and generally found the overall approach reasonable, though LAO suggested the Legislature may want more statutory guidance and reporting, especially for new programs. Members focused on implementation details, equity, and accountability. Questions covered how programs would serve vulnerable and disadvantaged communities, whether new solicitations would be reopened for previously oversubscribed grants, how outcomes are tracked, and how to structure guidance for new programs such as farm equipment sharing. The chair emphasized that the Legislature wants clearer direction on program design and noted that AB 2313 should guide implementation of the regional farm equipment sharing allocation. The committee also discussed the administration’s request to directly appropriate bond funds to departments and to exempt bond program guidelines from the Administrative Procedures Act; LAO supported the APA exemption with possible legislative guardrails for public notice and comment. The committee then heard on the farm-to-school proposal, with CDFA requesting $24.9 million General Fund for incubator grants, technical assistance, and network support. CDFA said the program has reached nearly half of California schoolchildren and has shown strong demand and positive evaluation results. LAO supported the core program but recommended rejecting the $3 million technical assistance component as too broad and suggested the Legislature consider using Proposition 98 for some of the funding. Members debated that point, with some expressing concern about using General Fund dollars for a new discretionary request during a tight budget year. The biodiversity and nature-based solutions chapter included funding for the Wildlife Conservation Board, state conservancies, and tribal nature-based solutions. WCB described major recent investments and proposed projects tied to 30 by 30, habitat restoration, tribal partnerships, and public access. Members raised concerns about long-term stewardship, the size of the WCB allocation, and whether the Legislature should receive more detail on how funds will be distributed. The committee also heard requests for Bolsa Chica wetlands maintenance and Rincon Island decommissioning funding from the State Lands Commission, with members questioning long-term liability, remediation costs, and the role of private oil operators. No votes were taken, and the hearing ended with public comment from stakeholders largely supporting the APA exemption, farm-to-school funding, biodiversity investments, and related conservation programs.
AZ
Transcript Highlights:
  • House, requires watercraft and boat livery owners who rent out vessels to maintain commercial boat liability
  • strikes a burden-of-proof language that requires clear and convincing evidence and strikes board liability
  • understanding. ...a burden-of-proof language that requires clear and convincing evidence and strikes board liability
Keywords: 1182, all
AZ

Arizona 2026 Regular Session

03/30/2026 - House Rules

Rules

Transcript Highlights:
  • licensing regulations, that is most relevant here, as language to the Dram Shop statute to limit civil liability
  • Our Arizona Supreme Court recently held that the Dram Shop liability statute is, I'm sorry, the NARMOP
  • liability was not recognized at statehood, so the underlying statute here did not violate the anti-abrogation
Keywords: 1182, all
Summary: The Rules Committee met to consider several Senate bills for constitutional and form review, while holding SB 1287, 1140, and 1811. SB 1012, which would loosen concealed-carry restrictions in restaurants and adjust liquor licensing/Dram Shop liability, was recommended as constitutional and in proper form by a 5-2 vote, though the rules attorney flagged a possible anti-abrogation issue with the bill’s immunity language. SB 1573, barring courts from relying on religious sectarian law, was also recommended despite concerns that it could raise an Establishment Clause challenge under the Larson strict-scrutiny framework. SB 1613, the annual revisors technical corrections bill, passed unanimously on the committee’s vote, and SB 1683, restricting property and equipment rights of foreign adversary nations and agents, was recommended after discussion of possible federal preemption/conflict issues. The committee then considered SB 1725, which defines excessive marijuana smoke or odor as a private and public nuisance. Counsel said the Voter Protection Act likely applies because the bill could be seen as restricting marijuana use beyond what the voter-approved initiatives contemplated, and noted a possible challenge on whether it furthers those initiatives’ purposes. The bill was nevertheless recommended as constitutional and in proper form by a 5-3 vote. Finally, the committee took up a large mass motion covering many additional bills, with a correction made from SB 1444 to SB 1445. Rules staff said the measures in the motion were constitutional and in proper form, and the committee approved the mass motion by an 8-0 vote. The meeting then adjourned.
NM
Transcript Highlights:
  • lot of work next interim to figure out how to do more cost containment around health insurance and liability
  • But the big deal that I have been working on this year was the liability to the state through civil actions
  • We have to set precedents in those court cases to determine where our liability is.
Keywords: 996, all
FL

Florida 2026 Regular Session

Rules Feb 24th, 2026

Rules

Transcript Highlights:
  • This includes property and casualty liability and workers' compensation, as well as evolving risk like
  • The assets in one participant's account may not be used to pay liabilities in another unless the respective
  • The assets in one participant's account may not be used to pay liabilities in another unless the respective
  • Five years of liability insurance data and report findings and recommendations by January 1, 2027.
  • The goal is to ensure affordable and available liability insurance for agencies serving children in care
Summary: The committee first confirmed six appointees in a single vote, then took up a series of bills, most of them reported favorably. The early debate centered on SB 208, a land-use bill by Sen. McLean that would require development fees to reflect review costs and create more objective compatibility standards for residential development denials. An amendment adding housing-related provisions, including an OPAGA study of urban development boundaries, drew extended discussion over the Everglades and local control; it was adopted, while a late-filed amendment on rural boundaries was withdrawn. The bill was then reported favorably after supporters and opponents, including Miami-Dade and housing groups, weighed in. The committee also favorably reported SB 686 on agricultural enclaves after amendments adding conservation, wildlife corridor, and Everglades-related protections, with one amendment specifically preserving stronger protections in counties covered by the Northern Everglades/Indian River Lagoon plan. Several criminal justice and public records measures also advanced. SB 436 would add resisting an officer with violence as a qualifying prior offense for battery enhancement and include certain felony battery offenses in prison release reoffender status. SB 830 would extend public-records protections to county and city administrators and related family information. SB 990 would authorize protected cell captive insurers in Florida. SB 600, on bail bonds, drew the most debate: an amendment by Sen. Rouson preserved the current treatment of charitable bail organizations’ deposits, with supporters arguing nonprofits help low-income defendants and critics saying the bill should distinguish commercial and nonprofit bonding; the amendment was adopted and the bill reported favorably. SB 914 on dry needling and SB 1434 on infill redevelopment also passed, the latter with an amendment removing a 10% markup requirement for buyback provisions. The committee then moved through a large education and health agenda. SB 1504 would let high school students who complete an insurance/personal finance elective qualify later for a customer service representative license. SB 1718 would expand educator preparation and temporary certification options. SB 7038 was a broad education package covering tuition waivers for Florida State Guard members, residency rules, consumer protections, dual enrollment, grading, and college funding; amendments clarified workforce licensure and exempted certain dental training from new licensure rules. SB 1092 on podiatric medicine added definitions and restrictions for cellular/tissue-based products. SB 1138 on qualified contractors created a pre-application review program for certain local governments, with historic-preservation carveouts. SB 186 on student health and safety required seizure-training and action plans in schools, and SB 560 on child welfare streamlined psychotropic-medication procedures for children in state care while adding youth advisory meetings and insurance-data review. SB 902, a broad Department of Health bill, addressed medical marijuana facility setbacks, practitioner discipline, autism microcredentials, marriage and family therapy licensure, a neurofibromatosis grant program, and family home health aide delegation; it passed after two amendments. Finally, SB 218 on land-use regulations limited hurricane-recovery restrictions to affected counties, SB 1002 expanded child-neglect definitions tied to parental drug abuse, SB 1474 tightened biosolids land-application rules, SB 1708 eased out-of-state veterinary licensure by endorsement, and SB 314 established a Florida regulatory framework for payment stablecoins aligned with federal law. Most measures were reported favorably by committee vote after brief testimony or no debate.
MN

Minnesota 2025-2026 Regular Session

House Taxes Committee 2/25/25

Taxes

Transcript Highlights:
  • , to be eligible for a refund under this bill, a taxpayer would have to have either property tax liability
  • or income tax liability.
  • or income tax liability.
  • You work, and you make so little money, or your refundable tax credits offset your tax liability so that
  • so that you so offset your tax liability so that you so so<00:41:10.119> that<00:41:10.240>
Bills: HF4, HF173
HI

Hawaii 2025 Regular Session

HLT Info Briefing - Wed Feb 19, 2025 @ 10:00 AM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • other contracts if that liability other contracts if that liability insurance<01:07:02.119> doesn't
  • <01:07:24.760> hold the procurement law that they hold the procurement law that they hold liability
  • 26.279> for<01:07:26.520> each<01:07:26.839> and<01:07:27.480> every liability
  • insurance for each and every liability insurance for each and every asset<01:07:28.880> that<
  • :31.079> contractors The bonds that we require are bonds for each project, and then their liability
Keywords: 910, house, all
Summary: The committee held an informational briefing on construction defects and operational problems at the newly opened Hawaii State Hospital Halola building, a $160 million facility with 144 beds for forensic patients. Department of Health and DAGS officials described ongoing issues identified before and after occupancy in April 2022, including anti-ligature safety defects, roof and building-envelope leaks, drainage problems, plumbing failures, HVAC corrosion and moisture-control issues, mold, and corroding materials. They said the problems have affected patient areas, showers, hallways, the gym, and other parts of the building, creating daily operational and safety challenges for staff and patients. Officials said the state believes the defects are the responsibility of the design-builder, Hensel Phelps, but that they are working with the company and its subcontractors to address the problems while preserving the state’s legal position. The Attorney General’s office said it is conducting an inquiry and asked agencies to limit comments to factual matters. Witnesses explained that some defects appear to be latent and that repairs are being documented through photos, invoices, and testimony. They also said some work is being done by Hensel Phelps and some by other contractors, with efforts to preserve evidence for possible future claims. Committee members questioned how the defects were missed during design-build inspection, whether the state should pursue litigation sooner, and how evidence would be preserved if outside contractors make repairs. Officials said the state has two funding requests pending: about $8 million for emergency repairs and about $28.8 million for longer-term repairs, for a total near $40 million, while noting that additional defects may still be discovered. No votes were taken; the meeting was informational only.
NH

New Hampshire 2026 Regular Session

Senate Health and Human Services (03/04/2026)

Health and Human Services

Transcript Highlights:
  • approaches to finding ways to address the affordability and accessibility issue with respect to liability
  • <00:31:53.760> and with respect to liability insurance. and with respect to liability insurance
  • insurance can come together liability insurance can come together can<00:32:21.519> pull<00:32
  • Um, they would be able to, through this, insure liability risks, self-insure liability risks, jointly
  • <00:44:18.079> as current and future liabilities as current and future liabilities as determined
Keywords: 1191, senate, all
MN

Minnesota 2025-2026 Regular Session

House Taxes Committee 4/3/25

Taxes

Transcript Highlights:
  • Section 8 addresses liability relief to be consistent with these certified service provider contracts
  • agreement Section 8 addresses liability agreement Section 8 addresses liability relief<00:15:54.480
  • onerous for small brewers who are never going to have any tax liability because of the credit.
  • but there's a requirement tax liability but there's a requirement for<01:16:15.280> Brewers<01
  • <01:16:23.120> because going to have any tax liability because going to have any tax liability
Keywords: 1183, house
HI
Transcript Highlights:
  • It could potentially adversely impact the state's unfunded liability.
  • because they are contributing similarly and have dramatically less in terms of benefits or liability
  • because they actually are liability because they actually are contributing<01:01:37.839> similarly
  • I'm available to answer any liability I'm available to answer any questions<01:01:44.680> you
  • to the director of Health his liability to the director of Health his task<02:21:45.160> force
Keywords: 910, house, all
FL

Florida 2025 Regular Session

November 5, 2025 - 10:00 AM

Transcript Highlights:
  • House Bill 145 provides an update to our sovereign entity financial liability caps, which were last updated
  • Under current law in Florida, a government entity's liability is capped at $200,000 per person or $300,000
  • If local governments are forced to absorb higher liability costs in a period of potential major changes
  • Look, everyone, I agree there should be a balance between government liability and victims' rights, but
Summary: The Civil Justice and Claims Subcommittee considered HB 145, by Rep. McFarland, which would raise Florida’s sovereign immunity caps from $200,000 per person and $300,000 per incident to $500,000 and $1 million, with a future inflation-based increase, extend the time to bring claims, and allow local governments to settle claims above the cap without a claims bill. McFarland argued the bill modernizes an outdated system and helps injured people obtain compensation more fairly and efficiently, while preserving sovereign immunity. Several members spoke in support during debate, saying the bill better balances government accountability and victims’ rights and that current caps have not kept pace with inflation and damages. Public testimony was largely in opposition. Local governments, counties, cities, insurance groups, and school-related organizations warned the bill would significantly increase liability exposure, insurance premiums, and taxpayer costs, especially for small and rural governments and school districts. Opponents also objected to the provision allowing settlements above the cap without legislative action, saying it would weaken the cap and increase litigation and costs. Supporters countered that injured people often wait years for claims bills and that governments should be able to resolve meritorious claims directly. After debate, the committee voted 16-1 to report HB 145 favorably, with Rep. Lopez voting no. The meeting then adjourned.
CA
Transcript Highlights:
  • Today though the main debts that are eligible are pension liabilities, so unfunded pension liabilities
  • before as well the portion of the funds that come from excess capital gains that go to pay down liabilities
  • Hollings said correct me if I'm wrong, is that the LAO's analysis just assumes that those liability payments
Keywords: 988, house, all