Transcript Highlights:

• currently works for Citigroup, where she has primarily focused on technology, cybersecurity, and tech risk
• And if you look at demographics in the United States, the pool of candidates applying to universities
• tailored education to a subset of students to make that university more competitive in a shrinking pool
• tailored education to a subset of students to make that university more competitive in a shrinking pool

Summary: The Appropriations Committee on Higher Education heard and approved two bills before moving into confirmation hearings for several university and college board nominees. CS/SB 1458 on apprenticeships and pre-apprenticeships was presented as a measure to improve consistency and transparency in local education agency partnerships, cap LEA administrative funding at 10% when applicable, and require public meetings and work papers for workforce funding model decisions. Support was noted from Associated Builders and Contractors, the Florida Chamber of Commerce, Foundations for Florida Futures, and Independent Electrical Contractors. The bill passed unanimously and was reported favorably. The committee then considered CS/CS/SB 1726 on higher education governance and presidential searches after adopting a delete-all amendment and a late-filed amendment defining the final group of presidential applicants as no fewer than three. The amended bill added provisions on trustee citizenship and residency/alumni eligibility, interim president succession planning, longer presidential contract renewals, limits on candidate polling by universities, syllabus posting, textbook/open-access material lists, and other governance and academic policy changes. Senators raised concerns about the minimum-three finalist requirement, interim president selection, trustee eligibility, and polling restrictions, while supporters said the bill would depoliticize leadership selection and improve transparency. The bill was reported favorably after the amendments were adopted. The committee then heard confirmation testimony from multiple appointees and reappointees, including nominees for FAMU, UNF, Pensacola State College, UWF, and UF. Most nominees emphasized ties to their institutions, student success, workforce development, military connections, and institutional growth. Several UWF nominees were questioned extensively about their votes for former chair Scott Yenner and his controversial comments about women and other groups; some said they were unaware of those remarks at the time of the vote and would not have supported him with that knowledge. Public testimony on UWF expressed concern about the nominees’ lack of higher education experience, their ties to the region, and the impact of Yenner’s views. The committee later voted to recommend a block of non-UWF nominees favorably, and it agreed to vote on the UWF nominees individually, with some remaining nominees deferred to a later hearing due to time.

Transcript Highlights:

• for Citigroup, where I've been primarily focused in technology, primarily in cybersecurity and tech risk
• And if you look at demographics in the United States, the pool of candidates applying to universities
• tailored education to a subset of students to make that university more competitive in a shrinking pool
• tailored education to a subset of students to make that university more competitive in a shrinking pool

Summary: The committee first heard CS/SB 1458 on apprenticeship and pre-apprenticeship programs. The bill sponsor said it would add consistency and transparency by requiring local education agencies and training providers to define their roles and funding shares in contracts, cap an LEA’s share at 10% when it serves only an administrative role, and require public meetings and published work papers for the district workforce education funding steering committee. Several industry and business groups appeared in support, and the bill was reported favorably without debate. The committee then took up CS/CS/SB 1726 on higher education, which was substantially revised by a delete-all amendment. The amended bill addressed presidential searches, trustee eligibility, interim presidents, polling by universities, mission reviews, and other governance issues. Members asked about the requirement that final presidential candidate groups include at least three applicants, the qualifications for interim presidents, trustee residency/alumni requirements, and limits on candidate polling. Senators Leek and Smith offered contrasting views, with Leek warning about candidate withdrawals and Smith supporting the bill as a way to depoliticize higher education governance. The bill, as amended, was reported favorably. The remainder of the meeting was devoted to confirmation hearings for university and college boards of trustees. Several appointees and reappointees from FAMU, UNF, Pensacola State College, UF, and UWF described their ties to their institutions and goals such as student success, workforce alignment, military support, research, and regional access. The UWF nominees drew the most scrutiny over their votes for former board chair Scott Yenor, whose public comments about women and other groups were criticized by senators and public commenters. Some nominees said they were unaware of the full scope of those remarks and would not have voted for him with that knowledge; others defended their votes as based on his education-reform views. Public testimony also raised concerns about UWF board members’ lack of higher-education experience and local ties. The committee confirmed the non-UWF nominees in a block vote and then began individual votes on the UWF nominees, with debate centered on Yenor-related concerns.

Transcript Highlights:

• As we know, California is prone to wildfires, and wildfire smoke poses significant health risks such
• As we know, California is prone to wildfires, and wildfire smoke poses significant health risks such
• denied basic labor standards like occupational health and safety protections, and as a result, are at risk
• to be part of this teacher pool in our schools across the state of California.
• : risk from unpredictable schedules, wage theft, and employers issuing paychecks that bounce.

Summary: The committee heard several labor-related bills, with AB 1424, AB 1340, AB 288, and AB 746 all advancing on due-pass motions to Appropriations after testimony and roll calls. AB 1424 would require climate resiliency and extreme-heat protections in CDCR facilities; supporters described dangerous heat conditions for incarcerated workers and staff, while no opposition testified. AB 1340 would allow rideshare drivers to unionize and collectively bargain; drivers, labor groups, and researchers testified that app-based work is low-paid and unstable, while TechNet, Uber, Lyft, and other business groups argued the bill conflicts with Proposition 22 and could raise costs. AB 288 would let PERB step in when federal labor remedies are unavailable; supporters said it is needed because of NLRB dysfunction, while the Chamber of Commerce raised preemption and enforcement concerns. AB 746 would create an inmate cooperative program and a green reentry reserve; supporters framed it as a recidivism-reduction and reentry strategy, and there was no opposition testimony. The committee also heard AB 858, which would extend hotel and hospitality worker recall rights after declared emergencies and extend existing COVID-era protections. Hospitality workers and unions supported the bill as a way to protect jobs after pandemics, wildfires, and other disasters, while hotel, chamber, retail, restaurant, trucking, travel, and attractions groups opposed it, saying the current recall rules were meant to sunset and that the bill would create broad liabilities and hiring complications. The bill was moved to Appropriations but remained on call after the roll. AB 291, creating a credentialed educator apprenticeship program to address teacher shortages and improve diversity, drew support from education groups and stakeholders who said apprenticeships could lower preparation costs and provide better support; it was also moved to Appropriations and placed on call. Later, the committee took up AB 1104, a solar-energy bill intended to clarify that private solar customers are not “awarding bodies” and to ease certain business-to-business solar transactions while preserving prevailing wage and apprenticeship requirements for contractors. Supporters said the current interpretation has chilled commercial solar adoption and harmed jobs, while opponents from electrical workers, PG&E, and others warned about expanded “over-the-fence” power sales and the need for clearer limits. Members questioned the lack of a definition of “small,” and the bill was held without a second. The committee also heard AB 338, which seeks $50 million for Los Angeles and Ventura wildfire workforce recovery; the author and county officials described major job loss and business destruction and said the funds would support displaced workers and rebuilding, with the testimony continuing beyond the excerpt provided.

Transcript Highlights:

• And then if you had standard terms and conditions that assessed risk, that people could just Go ahead
• There's a document that allocates risk, and that is shared widely among trade association members and
• Chairman, but I will tell you for my cooperative, I'm in both power pools.
• I'm partly in Southwest Power Pool, and I'm partly in ERCOT.
• and how you price that risk, or at least factor that risk.

Bills: HB3445, HB3448

Keywords: telecommunications, electric cooperative, rights-of-way, infrastructure, provider access, right-of-way, pole attachment, regulatory access, 1184, house, all

Transcript Highlights:

• Requiring contractor classification shrinks the pool of who can legally paint murals.
• Our creative landscape in California risks becoming homogenized, with fewer artists and fewer perspectives

Summary: The Assembly Committee on Arts, Entertainment, Sports, and Tourism heard SB 456 by Senator Ashby, the Community Beautification Act, which would create an exemption allowing muralists to do commissioned mural work without obtaining a contractor’s license. The author and supporters said the bill would clarify existing law, preserve public art and placemaking projects, and still leave in place applicable safety, permitting, and contract requirements. Support testimony came from the City of Sacramento’s arts manager and muralist Jaya King, who described mural projects as fine art and community engagement rather than construction, and from numerous local governments and arts organizations, including the League of California Cities, Los Angeles County, Sacramento, Stockton, Glendale, West Hollywood, Santa Monica, Riverside, Escondido, and the California Travel Association. Opposition centered on concerns that the exemption could weaken consumer protections in contractor licensing law. One member of the public argued that mural projects can involve construction-related work such as surface preparation and installation, and that licensing requirements, down payments, insurance, and background checks protect consumers and should not be bypassed. A representative of the State Building and Construction Trades also expressed concerns but said the author’s office had been engaged and a follow-up meeting was scheduled. Several committee members spoke in favor, saying murals are clearly public art and an important part of neighborhood identity and local culture. The chair and other members described the bill as a common-sense clarification that would reduce barriers for artists and cities seeking to permit mural projects. The committee then voted 9-0 to pass SB 456 and re-refer it to the Business and Professions Committee.

Transcript Highlights:

• It's our largest vacancy out of all of our vacancy pools, and our staffing leaves parents without adequate
• Without specific funding guarantees, Senate Bill 568 risks being another policy with very good intention

Keywords: special education, funding, equity, advocacy, Texas Legislature, SB568, HB2, disabilities

Summary: This was a press conference calling on the Texas Legislature to increase and reform funding for special education, with speakers arguing that the current system leaves a roughly $1.7 billion gap and forces districts to stretch general education dollars to cover mandated services. Sabrina Gonzalez Ocedo of The Arc of Texas opened by framing the issue as one of equity and self-determination for students with intellectual and developmental disabilities, and noted support for legislative efforts including Senate Bill 568 and House Bill 2. She also thanked a coalition of advocacy groups and legislators involved in special education funding work. Representative Steve Toth spoke in favor of investing surplus dollars in special education, citing high rates of functional illiteracy and dyslexia among prison populations and saying earlier intervention could change life outcomes. Amy Litzinger described how accommodations and assistive technology helped her succeed in school and urged continued investment so other students can access similar supports. Sarah Harden, a parent and disability advocate, shared her daughter’s positive experience in a well-supported district but warned that many Texas districts cannot provide comparable services because of funding shortages and that families are increasingly worried about cuts. Rachel Hull, a special education director, said well-resourced special education is transformational and outlined the need for individualized services, therapies, vocational training, and college readiness supports. Jean Mayer, a school trustee, said districts are struggling to meet state and federal requirements because funding does not match actual costs, pointing to staffing shortages and the need for parent engagement and professional development. The speakers repeatedly urged lawmakers to fully fund Senate Bill 568 and broader special education reforms this session; no votes were taken, as this was an advocacy event rather than a committee hearing.

Transcript Highlights:

• SO YOU SEE THE POOL AND THE PRELIMINARY IMPACTS ARE 2024 IS 566 MILLION AND GOVERNMENT CONTRACTS.
• BECAUSE LLCS THAT OPERATE MULTIPLE LINES OF BUSINESS OR INVESTMENTS WANT TO INSULATE EACH LINE FROM RISK

Keywords: 999, senate, all

Transcript Highlights:

• Businesses look for states with a deep talent pool, and right now, other states are outpacing us.
• corequisite remediation, career navigation, and targeted support for low-income, first-generation, and at-risk
• because the description talks about discretionary funding for all operating obligations that include risk

Keywords: 914, all

Transcript Highlights:

• But today I'm here because that work is at risk.
• students at even greater risk of falling behind. assessment.
• <01:37:22.520> students<01:37:23.280> at<01:37:23.600> even our highest-risk
• students at even our highest-risk students at even greater<01:37:24.320> risk<01:37:24.680>
• Greater risk of falling behind.

Keywords: 1187, senate, all

Transcript Highlights:

• ><01:14:11.960> um<01:14:12.120> diversify<01:14:12.639> the<01:14:12.719> pool
• <01:14:12.960> of policy is to um diversify the pool of policy is to um diversify the pool
• Rights Act is because the evidence of the discrimination is in the lack of teachers of color in the pool
• Rights Act is because the evidence of the discrimination is in the lack of teachers of color in the pool
• We just want to make sure we're not creating structures that add potential additional risk in this case

Keywords: 1187, senate, all

Transcript Highlights:

• President, he'll be on his way back home to Pensacola, a brave soldier who risked his life,... ...home
• to Pensacola, a brave soldier who risked his life and saved his friend.
• Yet we are willing to risk disenfranchising hundreds of thousands of lawful voters.
• All of this is being... ...to risk disenfranchising hundreds of thousands of lawful voters.
• Actually shrinks the pool of eligibility as opposed to expand it.

Summary: The Senate opened with prayer, the Pledge of Allegiance, and a series of recognitions for interns, staff, and guests. Members also honored retiring Senate staffer Susan Miller and recognized a veteran injured in combat. After routine announcements, the chamber moved to returning messages from the House and began taking up bills and amendments. The Senate concurred in House amendments and passed SB 118 on RV park assessments and SB 572 on ethics for public officers and employees, both by 38-0 votes. It then took up the elections bill, CS/CS/HB 991, which drew extensive debate. Supporters said it would strengthen election integrity by tightening citizenship verification and ID rules; opponents argued it would burden eligible voters, especially students, seniors, disabled voters, and others without the newly required documents. The bill passed 27-12. The chamber also passed the education package SB 182 after adopting a Senate amendment to the House amendment, and approved SB 474 on military affairs, SB 425 on historic cemeteries, HB 929 on local regulation of chickees, and HB 35/SB 1370 on habitual traffic offender designation, all with unanimous or near-unanimous votes. The Senate then considered SB 902/ HB 733, the Department of Health package. Members adopted an amendment and amendment-to-amendment that preserved most Senate provisions while modifying or removing several House additions, including some early steps and medical marijuana-related changes, and the bill passed 37-0. The chamber also began work on HB 905, the foreign influence bill, with a strike-all amendment offered to expand restrictions on foreign influence, sister-city agreements, linkage institutes, and related activities, but the debate on that measure was still underway when the transcript ended. Several other returning messages and bills were temporarily postponed, and the Senate recessed briefly before resuming business.

Transcript Highlights:

• It could also lead to managed construction risk and projects.
• In 2021, the City of Amarillo opened the Thompson Park Pool, which was funded through a $7.9 million
• As virtual currency transactions become more widespread, so do the risks associated with unregulated
• We support appropriate regulation like HB2043 that is risk-based and tailored to the unique nature of
• The downside risk for not repaying a loan, not repaying a credit card, or not repaying an overdraft..

Bills: HB1453, HB1718, HB2043, HB2207, HB2798

Keywords: local governments, anticipation notes, certificates of obligation, public works, flood control, financial management, local government, municipal financing, private activity bonds, closing definition, real estate finance, bond issuance, government regulation, bond election, general obligation bonds, GO bonds, political subdivision, city bonds, county bonds, school district bonds

Transcript Highlights:

• At that point, warnings of risk to Californians are not required.
• 1.5% um at that point warnings of risk 1.5% um at that point warnings of risk to<01:23:55.040>
• protect against health risks protect against health risks and<01:29:24.920> all<01:29:25.119
• is not protecting against health risks is not protecting against health risks with<01:29:29.520>
• <01:41:47.320> because there are those potential risks because there are those potential risks

Keywords: 1187, senate, all

Transcript Highlights:

• We risk a brain drain just when we've worked to build a world-class research environment.
• It risks promoting one religion over others, something our Constitution prohibits. forbids.
• My amendment also significantly reduces the risk of costly litigation.
• But if a school wants to go in order to increase the diversity in their hiring pool, if they want to
• , that they should be allowed to go out and recruit from specific hiring pools.

Bills: SB37, SJR84, SJR87, SJR27, SB8, SB10, SB227, SB261, SB15, SB12, SB25, SB57, SB127, SB293, SB441, SB3059, SB512, SB241, SB1718, SB140, SB2055, SB2075, SB2018, SB1534, SB1567, SB785, SB1233, SB1580, SB1663, SB413, SB447, SB519, SB467, SB1579, SB1191, SB1021, SB1838, SB2807, SB2835, SB546, SB2121, SB2167, SB2035, SB2024, SB1032, SB1049, SB1266, SB1400, SB1302, SB401, SB1596, SB1281, SB1242, SB1343, SB310, SB1346, SB2753, SB2703, SB2221, SB1719, SB2177, SB800, SB790, SB748, SB571, SB1957, SB1923, SB1896, SB1760, SB1335, SB2368, SB2477, SB2587, SB2972, SB2986, SB2965, SB1563, SB1467, SB1164, SB1137, SB614, SB705, SB961, SB918, SB955, SB869, SB850, SB863, SB1610, SB1055, SB2206, SB457, SB2337, SB1362, SCR9, SB2405, SB2406, SB2407, SB2166, SB2148, SB535, SB777, SB827, SB1141, SB1330, SB1352, SB1664, SB1862, SB1936, SB1453, SB1448, SB1398, SB2137, SB2111, SB53, SB226, SB1677, SB1723, SB1839, SB36, SB38, SB815, SB1856, SB552, SB646, SB37, SJR84, SJR87, SJR27, SB8, SB10, SB227, SB261, SB15, SB12, SB25, SB57, SB127, SB293, SB441, SB3059, SB512, SB241, SB1718, SB140, SB2055, SB2075, SB2018, SB1534, SB1567, SB785, SB1233, SB1580, SB1663, SB413, SB447, SB519, SB467, SB1579, SB1191, SB1021, SB1838, SB2807, SB2835, SB546, SB2121, SB2167, SB2035, SB2024, SB1032, SB1049, SB1266, SB1400, SB1302, SB401, SB1596, SB1281, SB1242, SB1343, SB310, SB1346, SB2753, SB2703, SB2221, SB1719, SB2177, SB800, SB790, SB748, SB571, SB1957, SB1923, SB1896, SB1760, SB1335, SB2368, SB2477, SB2587, SB2972, SB2986, SB2965, SB1563, SB1467, SB1164, SB1137, SB614, SB705, SB961, SB918, SB955, SB869, SB850, SB863, SB1610, SB1055, SB2206, SB457, SB2337, SB1362, SCR9, HB5560, HB762, HB 107, HB 114, HB300, HB138, HB4386, HB2495, HB581, HB3348, HB5323

Keywords: higher education, curriculum review, governing board, faculty council, ombudsman, tax exemption, property tax, homestead, fire damage, constitutional amendment, bail reform, criminal justice, felony offenses, public safety, judicial conduct, state commission, judicial misconduct, commission membership, immigration enforcement, ICE agreements

Transcript Highlights:

• The greatest risk for any project of this nature besides time is permitting, and we know permitting takes
• And so we are always looking for opportunities for additional certainty. proactive mitigation of risk
• Another factor that's important is fair risk allocation and fair contractual.
• It's certainly present in every aspect of our water infrastructure needs and risk.
• They're also violations of federal law, impose a human environmental. health risk.

Keywords: 1184, house, all

Transcript Highlights:

• And that is for, that is not a risk insurance pool.
• That is a law enforcement pool for detecting cheaters on uninsured motorists.
• fatalities rate per driver may also be a good proxy for that, because if you say, well, there's a constant risk
• of causing a fatality, So there is a constant risk of causing a fatality if you're drunk.

Keywords: 985, all

Transcript Highlights:

• It helps a lot of seniors and families and is kind of at risk now in a lot of places because of efforts
• The value of the credit is going to go down because there's just a fixed pool of people, increased supply
• There's a huge amount of risk in doing this.
• But the really cool thing is, is it's not a gated community, but they absolutely have three swimming pools
• That's risk. And you could get this because the state has a tremendous amount of property.

Transcript Highlights:

• Members, smaller high-risk employers are struggling to find affordable voluntary coverage.
• . ...over time, that the proper rate is set for that particular risk.
• , credit risk, and terrorism.
• Rather than pool its insured risk, the PCC may keep a separate underwriting account for each insured
• We have Barney Bishop, Florida Risk Institute. We have Wayne Matthews for Risk Institute speaking.

Summary: The Senate Committee on Banking and Insurance met with a quorum present and heard a full agenda of bills, most of which were reported favorably. Early in the meeting, SB 1000 on trust fund interest for attorney trust accounts was explained as setting a floor and ceiling tied to the Wall Street Journal prime rate and passed without objection after supportive testimony from banking and credit union groups. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program; the sponsor described it as a way to move emergency out-of-network payment disputes away from costly litigation and into an independent dispute resolution process modeled on the federal No Surprises Act. A proposed amendment drew significant questions from senators and concerns from the Florida Insurance Council about confusion over state versus federal eligibility and possible effects on contracted rates, and the sponsor ultimately withdrew the amendment. The underlying bill was then supported by health care and insurance stakeholders and reported favorably. SB 684 on electronic signatures for total loss vehicles and vessels also passed, with Progressive Insurance waiving in support. The committee next approved CS/SB 158 on pet insurance, which requires continuing education for agents, clearer consumer disclosures, and annual reporting to OIR; the amendment was technical and adopted. SB 1494 on breast cancer screening coverage was presented as expanding required coverage for mammograms and supplemental screenings for certain insurance products, and it passed with support from cancer and radiology groups. CS/SB 314 on digital asset issuers was amended to create a Florida framework for payment stablecoin issuers consistent with the federal GENIUS Act, allowing state-level regulation as an alternative to federal supervision, and was reported favorably. SB 1500 on uncontested probate proceedings, including higher small-estate thresholds and clearer authority for personal representatives, also passed after a banking-related amendment requiring letters of administration for safe deposit box access was adopted. Later, the committee approved CS/SB 618 on workers’ compensation insurance, which raises the consent-to-rate cap for workers’ comp policies from 10% to 20% and adjusts the Florida Workers’ Compensation Guarantee Association board membership; a carrier representative testified that the change would help keep more high-risk accounts in the voluntary market. CS/SB 1568 on a Florida Stable Coin Pilot Program was amended to remove authority for DFS to create a Florida coin, limit the pilot to existing stablecoins with at least $1 billion market capitalization, and require qualified public deposit handling; it then passed. CS/SB 838 on electronic payments for retail installment contracts clarified that convenience fees for electronic payments are permissible while preserving a fee-free option, and it was reported favorably after questions about consumer access to free payment methods. SB 1452, the Department of Financial Services agency bill, made a wide range of administrative changes affecting My Safe Florida Home, unclaimed property, licensing, bail bonds, and other DFS functions; a late-filed amendment on title insurer appointments was adopted, and the bill passed. The committee also approved SB 1706 on the My Safe Florida Condominium Pilot Program, targeting condo hardening assistance to owner-occupied units meeting income and occupancy criteria, and SB 990 on protected cell captive insurance companies, which the sponsor and industry witnesses said would modernize Florida law and promote insurance competition and economic activity. The meeting ended with all bills on the agenda reported favorably and the committee adjourning without objection.

Transcript Highlights:

• At some point, we have to acknowledge that every additional mandate, every additional lawsuit risk, and
• At some point, we have to acknowledge that every additional mandate, every additional lawsuit risk, and
• It creates litigation risk, market risk, competitive risk, and it sends a loud and unmistakable message
• It disrupts education, severs family ties, and counterintuitively increases the risk of future legal
• AB 46 preserves diversion as an important pathway to treatment while ensuring public safety risks are

Keywords: 987, senate, all

Transcript Highlights:

• the highest price you can sustain, the highest price you're willing to pay for insurance, using non-risk
• discounts, perks, and special offers as someone else who may shop around even if you're in the same risk
• pool.
• Insurance rates should be based on risk factors, not whether you're likely to pay more for insurance
• These structures are essential pieces of infrastructure, but many are growing older while the risks associated

Summary: The Senate convened with an invocation, pledge, attendance, and a series of recesses and caucus calls. The chamber also recognized the retirement of Larry Horn of the Michigan Senate Police Department and later honored departing staff members Macy Maine, Maddie Cutler, and Julia Schmidt. Senator Geiss delivered a statement marking the 62nd anniversary of the Civil Rights Act, emphasizing its legacy and the need to protect and strengthen civil rights protections. The Senate received House messages on Senate Bills 870 and 878, with SB 878 sent to conference. It also introduced several new measures, including Senate Joint Resolution L and Senate Bills 1085 through 1091, plus House Bills 4833, 5152, 5153, and 5727, referring them to the appropriate committees. The chamber discharged multiple committees from further consideration of bills and suspended rules several times to move legislation onto the General Orders calendar and to allow committee meetings during session. On the floor, the Senate passed House Bill 4072 and Senate Bills 792, 793, 1013, and 947. SB 1013, dealing with the Insurance Code and price optimization, included a failed Tice amendment and passed 34-3. SB 947, concerning dam safety under the Natural Resources and Environmental Protection Act, drew supportive remarks from Senator McMorrow and a strong no-vote explanation from Senator McBroom before passing 22-15. The Senate also adopted a McMorrow substitute for SB 947 and later considered a large group of bills in Committee of the Whole, reporting many with amendments and others without amendment for third reading. The session ended with the Senate adjourning until Friday, July 3rd at 12:15 a.m.