Video & Transcript Research : 'payment methods'
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WA
Washington 2025-2026 Regular Session
Select Committee on Pension Policy Jul 21st, 2026
Select Committee on Pension Policy
Transcript Highlights:
- The only issue remaining after more than 20 years of litigation is the proper method of calculating the
- The state has appealed this ruling and filed a motion to stay payment of the $118 million until the appeal
Summary:
The Executive Committee of the State Committee on Pension Policy approved its June minutes and received updates from legal and actuarial staff. Counsel reported on two class-action matters: the Fowler/Probst case, where a court ordered the state to pay $118 million in additional interest to teachers and the state has appealed and sought a stay, and the Dawson case challenging last year’s HB 2034, where the complaint was amended to leave only a federal contract-impairment claim and the state plans to move to dismiss. The actuary also provided a brief educational update on asset smoothing and offered to provide more detailed follow-up, noting it affects funded ratios and contribution rates.
The committee then discussed its interim work plan and September agenda. Members agreed to add a bill and fiscal analysis for a PERS/TRS Plan 1 ad hoc COLA, with discussion focused on whether it should be capped and how to frame the cost estimate. Staff also outlined a memo on possible approaches to a permanent COLA for Plan 1 retirees, including making it part of the base budget or otherwise structuring it so future budgets would address it; no action was taken, and the topic was deferred for further discussion. The committee also heard constituent correspondence supporting COLAs and raising concerns about survivor benefits.
A representative of the Washington State Patrol Troopers Association testified in support of advancing survivor medical benefits, explaining that the smaller size of the State Patrol system makes new benefits more costly per member and that any new benefit would require member approval. Staff said a cost estimate could be prepared for September if the proposal excluded retroactive coverage, but October would be needed if retroactivity were included. The committee agreed to move the survivor medical issue to October, while keeping the LEOFF 1 medical study update, animal control officer eligibility, and the ad hoc COLA on the September agenda, along with preliminary 2027 meeting dates. The meeting adjourned without further action.
TX
Texas 89th Regular
Senate Committee on Health and Human Services Mar 11th, 2025
Health & Human Services
Transcript Highlights:
- Establishing a direct care payment ratio means requiring the majority of the public Medicare. dollars
- Sometimes mistakes are made. people get benefits, get payments that they're not entitled to get, sometimes
- They do result in a payment back to the state. Very few actually go all the way to a final order.
- and Access Commission. or MACPAC noted that even if a facility receives adequate overall payment from
- Most people who are participating in this program, even if they get a payment they're not entitled to
CA
Transcript Highlights:
- Hello I'm Sarah Avanessian with Method Schools. We service thousands of students from San Diego.
- I'm Sarah DeLauder Director of Curriculum at Method Schools serving students from San Diego through Los
- The interest is they've paid about $8.3 million in interest payments.
- It's nowhere that I can have a loan for 21 payments, and I paid it for 15 years, and I can't go in and
- We're just a couple of tens of thousands of dollars away from relief on the interest in the loan payment
TX
Transcript Highlights:
- But again, if you're looking at all of this information together, and with specialized methods, you can
- So, is there a payment plan? Yes, yes. There would be a payment plan.
- Maybe that property is to return some of it to the family, some of it to the lawyers for payment; otherwise
- are warrants to place someone in jail despite their appearance solely because they fell behind on payments
- Article 43.091 does talk about the waiver of payment for fines and costs, which is a waiver of payment
Bills:
HB 1194, HB 1221, HB1738, HB1913, HB2177, HB2178, HB2180, HB2229, HB2282, HB2448, HB2492, HB2777, HB2984, HB3357, HB3553, HB3602
Keywords:
emergency protection order, protective order, magistrate, criminal procedure, victim safety, family violence, domestic violence, stalking, assault, magistrate's order, temporary protection, court order duration, defendant restrictions, Article 17.292, Texas Code of Criminal Procedure, emergency restraining order, victim protection, firearm restriction, pretrial intervention, reimbursement fee
MN
Minnesota 2025 1st Special Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 5/6/25
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- Clarification related to the payment for nursing services provided by a household member of an injured
- Now you can ban them from taking lists, you can ban them from taking methods.
- Now you can ban them from taking lists, you can ban them from taking methods.
- <01:21:18.080>
You can ban them from taking methods. - You can ban them from taking methods.
Keywords:
workers' compensation, insurance programs, employee protection, Minnesota statutes, safety regulations, prevailing wage, certified payroll, payroll reporting, construction contracts, public works, project registration, labor standards, contractor compliance, subcontractor reporting, state government, Department of Administration, Commissioner of Labor and Industry, Metropolitan Council, highway construction, public construction
WY
Wyoming 2026 Regular Session
Select Committee on School Finance Recalibration, January 22, 2026 - PM
Select Committee on School Finance Recalibration
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, February 9, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- <03:51:39.520>
is families, the monthly housing payment is families, the monthly housing payment - , which is what is the proper method, which is what is the proper method, style,<04:31:39.040>
- a lower monthly payment.
- Uh but of the monthly payment.
- >
payment.
MN
Transcript Highlights:
- You're hurting your scientific method.
- <02:58:57.600>
goes again, if the if the PIL payment goes again, if the if the PIL payment - And that could be whether there were PILT payments attached to it already or no PILT payments, or it
- in lie of taxes instead pilt payment in lie of taxes instead pilt payments.<03:04:12.080>
And - And I think it's unfortunate payments.
HI
Hawaii 2025 Regular Session
JDC, JDC, JDC Public Hearings 02-11-2025
Transcript Highlights:
- Increasing acceptance of marijuana as a method of coping will not assist in the development of healthy
- Increasing acceptance of marijuana as a method of coping will not assist in the development of healthy
- <01:04:34.119>
of <01:04:34.279>claims <01:04:34.760>in 66211 because payment - <01:16:09.199>
had didn't know how many um payments had didn't know how many um payments had - for payment of advanced compensation<01:26:08.360>
$5,000 <01:26:09.239>per <01:26:09.360
Summary:
The Judiciary Committee heard SB 1231, which would repeal the Parentage Uniform Act of 1973 and update Hawaii’s parentage laws, including parts of the Uniform Parentage Act of 2017. Supporters said the current statutes are outdated and do not adequately address assisted reproduction, surrogacy, and modern family formation. The Attorney General’s office supported the bill with technical amendments, including conforming changes to the Probate Code and child support provisions, and several testifiers urged passage as a needed modernization of the law.
A major point of disagreement was Part 10, which concerns donor anonymity. Some supporters, including members of the task force, the Uniform Law Commission, fertility and family law practitioners, and LGBTQ+ advocates, backed the bill as written or said it should move forward even if Part 10 is removed. Others, including donor-conceived adults, parents, and advocacy groups, opposed Part 10 and urged the committee to adopt the 2024 version of Article 9 or delete Part 10 entirely, arguing that anonymous donation harms donor-conceived people’s access to genetic, medical, and identity information and that anonymity is not realistic in the DNA-testing era. One task force member and attorney said she supported the bill but preferred removing Part 10 if necessary to pass the rest.
The hearing included extensive public testimony both in support and opposition, with many individuals describing personal experiences with adoption, IVF, surrogacy, and donor conception. No committee vote or final action on the bill was taken during the portion of the hearing provided.
TX
Transcript Highlights:
- Senate Bill 2164 by Parker and Blanco relates to employer incentive payments for childcare for employees
- Senate Bill 2193 by Huffman relates to directing payment after approval of certain miscellaneous claims
Bills:
SCR8, SCR24, SCR25, SB1, SB65, SB315, SB371, SB372, SB379, SB400, SB402, SB406, SB427, SB487, SB502, SB509, SB535, SB610, SB707, SB740, SB761, SB840, SB875, SB893, SB918, SB925, SB965, SB987, SB990, SB995, SB1006, SB1018, SB1073, SB1106, SB1121, SB1194, SB1253, SB1300, SB1343, SB1362, SB1379, SB1447, SB1532, SB1555, SJR36, SJR12, SJR57, SCR25, SCR22, SCR12, SCR24, SCR8, SB565, SB372, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB740, SB14, SB1006, SB504, SB925, SB1121, SB995, SB857, SB305, SB296, SB284, SB815, SB1379, SB1300, SB1497, SB1499, SB1498, SB65, SB241, SB304, SB402, SB621, SB1023, SB1024, SB1106, SB686, SB112, SB371, SB204, SB400, SB609, SB1447, SB670, SB502, SB427, SB850, SB854, SB413, SB1555, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB893, SB447, SB875, SB406, SB509, SB985, SB965, SB1119, SB1505, SB24, SB1194, SB1253, SB1215, SB1532, SB1302, SB856, SB650, SB583, SB673, SB840, SB213, SB681, SB1172, SB1252, SB378, SB610, SB918, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB535, SB761, SB1, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB896, SB1352, SB973, SB785, SB710, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB1547, SB961, SB1038, SB513, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB1198, SB1146, SB763, SB667
Keywords:
central bank digital currency, CBDC, Federal Reserve, digital dollar, digital currency, cashless payments, financial privacy, cybersecurity, government surveillance, financial surveillance, money laundering, terrorism financing, illicit finance, banking policy, monetary policy, payments system, commercial banks, Texas Legislature, concurrent resolution, federal reserve digital currency
TX
Transcript Highlights:
- by Darby relating to the licensing and regulation of Advanced Practice Registered Nurses and the payment
- to you in this budget is actually less than in the current biennium and we actually have advanced payments
- , payments beyond what we are scheduled to pay. that over the course of the life of that debt that we're
- This is this is becoming a real problem and so there's not history historically been a very good method
- pay through it directly to the hospitals, through Medicaid, and then we do supple- supplemental payments
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, state budget, mental health funding, education funding, infrastructure improvements, public safety, groundwater, water conservation, financial assistance, Texas Water Development Board, innovation fund, local conservation districts, transportation protection agreement, funeral services, insurance exemption
AZ
Transcript Highlights:
- that is established to... ...striking an interstate agreement that is established to administer the payment
- Insert an interstate agreement that is established to administer the payment or reporting of fuel taxes
- or registration fees for commercial vehicles that operate in more than... ...the payment or reporting
- proof of identity before casting a ballot in each election, whether voting in person or by any other method
- But the draft analysis before us removes 'whether voting in person or by any other method.'
Summary:
The committee met to review and adopt Legislative Council ballot measure analyses, with members repeatedly reminded that the hearing was limited to the accuracy, clarity, and impartiality of the summaries and not the merits of the underlying proposals. Steve Premack explained the statutory role of the analyses in the publicity pamphlet, and staff presented draft language for several measures. The committee considered and voted on multiple amendments, often debating whether proposed wording was clearer or instead crossed into advocacy or added unnecessary legal detail.
For SCR 1004, members debated amendments to more closely mirror the measure’s text and to add language about electric vehicles and mileage, but several proposed changes were rejected. The analysis was ultimately adopted by an 8-6 roll call. HCR 2021 was then adopted without amendment by the same 8-6 margin. For HCR 2055, members debated whether the summary should say the Department of Homeland Security must “do everything” or “use all lawful means available,” and whether to add language about cartels acting “individually or collectively”; both amendments were rejected and the analysis was adopted 8-6.
The committee next took up SCR 1004 on photo enforcement systems, where members proposed amendments to clarify that the measure would apply to red light cameras, to add “thereafter” regarding recurring voter approval, and to specify that approval would occur at the general election; those amendments failed, and the analysis was adopted 8-6. On SCR 1032, dealing with instructional expenses and classroom site fund reductions, members debated adding a definition of the Classroom Site Fund and spelling out the waiver process in more detail; both amendments failed, and the analysis was adopted 8-6. Finally, on HCR 2001 regarding citizenship identification and early voting, members rejected amendments that would have added background on current law, clarified that mail voting would be affected, added severability and revenue-source language, and struck the measure’s short title; the discussion was lengthy and at times contentious, but the transcript ends before a final roll-call vote on that measure is shown.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, March 19, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- China can look at our debt accounts and can ask for payment on those bonds at any time.
- <02:26:08.160>
In social security disability payment. - In social security disability payment.
- They use a crypto method to transfer the dollars involved.
- They use a crypto method to transfer the dollars involved.
HI
Hawaii 2025 Regular Session
WTL-HWN-HOU Public Hearing 01-29-2025
Transcript Highlights:
- of home ownership should be roughly no more than one-third of income, and that includes mortgage payments
- of home ownership should be roughly no more than one-third of income, and that includes mortgage payments
- of home ownership should be roughly no more than one-third of income, and that includes mortgage payments
- <02:28:00.399>
and <02:28:00.640>infrastructure <02:28:01.439>requirements methods - and infrastructure requirements methods and infrastructure requirements for<02:28:02.560>
the
Summary:
The joint hearing of the Water and Land, Hawaiian Affairs, and Housing committees on January 29, 2025 focused on SB 534, with the chairs outlining hearing procedures, public testimony limits, and plans to allow extended presentations from the Office of Hawaiian Affairs (OHA) and the Hawaii Community Development Authority (HCDA) before moving to other testifiers. The hearing was presented as a public, transparent discussion of OHA’s plans for Kakaʻako Makai, with committee members noting that decision-making would follow if time permitted.
OHA testified in strong support of SB 534. The chair of OHA’s Board of Trustees said the bill was a novel proposal for the legislature and emphasized that OHA was bringing together a broad coalition of partners and stakeholders, including representatives from construction, hospitality, education, law enforcement, civil service, and schools, as well as longtime community advocates who have opposed development in Kakaʻako Makai. OHA’s presentation reviewed the history of the area, the creation and role of HCDA, prior master plans, the 2012 land conveyance to OHA, and the argument that OHA has not been able to realize the full economic value of the lands because desired entitlements were not secured. OHA linked the bill to its constitutional mission to improve conditions for Native Hawaiians and argued that the state’s housing crisis makes additional development, including residential use, especially important.
A major theme of the testimony was housing. OHA argued that Hawaiʻi faces severe affordability pressures, out-migration, and workforce shortages, and said that residential development in Kakaʻako Makai would help address those needs while also supporting the value of the trust lands. The presentation described HCDA’s authority over zoning and development in Kakaʻako, the existing reserved housing requirements, and the need for a master plan that could move forward if SB 534 becomes law. No votes or final committee action were taken in the portion of the hearing provided; the discussion remained in the presentation and testimony phase.
KY
Kentucky 2026 Regular Session
Government Contract Review Committee (3-10-26)
Transcript Highlights:
- general contractor, and other methods general contractor, and other methods that<00:07:06.919>
- So, it's it's<00:07:19.720>
an <00:07:19.840>alternative <00:07:20.640>method <00- :07:21.040>
of <00:07:21.160>procuring it's an alternative method of procuring it's an- alternative method of procuring construction<00:07:22.240>
contracts. - Predominantly, it's a bill payment program.
- So, it's it's<00:07:19.720>
Summary:
The committee first approved a motion and then deferred a large batch of 246 contracts totaling about $187.8 million until the April 2026 meeting. It then moved through the agenda and reviewed several pulled items, beginning with four Attorney General contingent-fee contracts. Committee members questioned why the contracts were new, what the $20 million maximums meant, and how the fees would work; the AG’s office explained they were new awards from a September RFP, that the $20 million was an outside estimate tied to a full recovery, and that one contract would require a $380 million recovery to pay out the maximum. The committee voted to consider those contracts reviewed without objection.
The Department of Highways then explained an “alternative delivery support” contract, describing it as a procurement method different from the usual design-bid-build model and noting it can help with innovation, speed, timeliness, or cost reduction. After that explanation, the committee again voted to consider the contract reviewed without objection. The Kentucky Horse Park/Kentucky Horse Racing and Gaming Corporation presented eight legal services contracts; members focused on differing hourly rates and retroactive approval. The corporation said it had selected four firms through an RFP to maintain flexibility and avoid conflicts, would use in-house counsel first, and did not expect to use the maximum rates. Senator Thomas argued the committee’s statutory hourly rate cap is outdated and should be revisited. The committee then approved the contracts.
One Transportation Office of the Secretary contract was deferred to the April meeting, consistent with the agency’s prior request. The committee then reviewed Cabinet for Health and Family Services items from the Department of Community Based Services: three contract amendments and one memorandum of agreement. Members asked about funding sources, service outcomes, and whether the programs reduce future need; the agency said one amendment was a $55,000 increase offset by reductions elsewhere, that the total contract amount with the agency did not change, and that follow-up data show over 90% of children remain in the home after services. The committee approved those items.
Finally, the committee reviewed a LIHEAP contract amendment from the Division of Family Support, which the agency said used federal funds, not state general funds, to add newly appropriated federal money for low-income home energy assistance and crisis heating support. Members asked about future funding and were told that continuation depends on Congress. The committee approved that item. It then began reviewing Behavioral Health, Developmental and Intellectual Disabilities memoranda of agreement tied to Kentucky Correctional Psychiatric Center staffing; members asked for a count of personnel, and the agency said it would provide that information, after which the discussion continued.
TX
Texas 89th Regular
S/C on Defense & Veterans' Affairs Apr 7th, 2025
S/C on Defense & Veterans' Affairs
Transcript Highlights:
- One vehicle without the payment of any fee.
- This is another method of finance to get roads built, right?
- They can issue mortgages and down payment assistance to veterans, and that...
Keywords:
Veterans of Foreign Wars, veterans, commemoration, military service, recognition, September 29, waiver programs, toll roads, discount programs, transportation, affordable housing, land bank program, low-income households, Texas State Affordable Housing Corporation, HB 2061, Texas Transportation Code, Chapter 225, State Highway 242, Interstate Highway 69, Montgomery County
TX
Transcript Highlights:
- The completion bonus grant, outside ERCOT grants, and the backup power payments.
- That 10 percent, those payments begin in October and wrap up this month. Mr. McQueen.
- know if they're statutory, if they can just be done either through protocol revision or some other method
WA
Washington 2025-2026 Regular Session
Joint Transportation Committee Nov 20th, 2025
Joint Transportation Committee
Transcript Highlights:
- through the proviso language, right, you all directed this study to recommend alternative mechanisms or methods
- So we never actually collected that, which means it’s a straight payment from the road fund.
- It writes a check that we never actually collected that payment for to the Port District.
- a real brief discussion on the tax increment financing areas, and that is a somewhat complicated method
Summary:
The committee first heard an update on the Joint Transportation Committee study of transportation impacts if the Lower Snake River dams were removed. WSDOT and Jacobs described the study’s phases, including current work on geology, infrastructure risk, and a total logistics cost model. They explained that the study is examining how freight now moved by barge—especially wheat, fertilizer, and wood—could shift to rail and roads, and they outlined several scenarios ranging from no-dam future conditions to new unit-train terminals, short-line rail options, and a combined “many solutions” scenario. Members asked about irrigation, impacts in Idaho and Oregon, port capacity, emissions, competition, EV trucks, and whether the model could estimate transportation effects if grain volumes decline. The presenters said the study assumes current production levels continue, does not model irrigation changes or broader farm-economics impacts, but does account for transloading costs and can estimate transportation impacts under different volume assumptions. WSU’s independent review team said the model has improved substantially but still needed refinement, especially in routing, road data, and spatial detail, and that stakeholder engagement had been strong though delayed by model development. No votes were taken.
The committee then received a presentation on the alternative sidewalk funding study. Staff and consultants said the study is exploring ways local governments could sustainably fund sidewalk maintenance, repair, and new construction, using a statewide survey, interviews, national research, and case studies in eight jurisdictions. They noted sidewalks are important for pedestrian safety and connectivity, but there is no dedicated funding source in Washington, and existing grants and local revenue tools are highly competitive or limited. The consultants highlighted sidewalk fees or utility-style charges as the most promising option to study, while a parcel tax was largely set aside because of state property-tax uniformity concerns. Members asked whether the study would duplicate existing funding or add to current taxes, and how a sidewalk fee would be collected; the consultants said the goal is to expand local options, not mandate adoption, and that fees would likely be billed through utilities rather than property taxes. A preliminary draft report is due December 15, with a final report due in mid-June.
Next, staff gave a brief update on the ocean-going vessels study, which is examining shore power and emissions rules for vessels at berth. The presenter explained that federal Clean Air Act rules and California waiver authority create legal limits on how far Washington can go if it wants to adopt similar standards, and that deviations from California’s approach can increase litigation risk. The report will summarize stakeholder outreach and will be presented in draft form at the next JTC meeting. Finally, county engineers from Chelan and Douglas counties began a presentation on county transportation challenges, with the association’s director emphasizing collaboration with state agencies and local partners on issues such as fish passage barriers and infrastructure needs. The county presentation was only beginning when the transcript ended, and no committee action or votes were recorded.
MA
Massachusetts 2025-2026 Regular Session
Senate Session (Full Formal with Calendar) Jun 21st, 2026 at 11:00 am
Massachusetts Senate Floor Meeting
Transcript Highlights:
- $248 million for special education costs, including reimbursements to school districts and direct payments
- I was trying to reconcile that with the payments for special education, which are very important.
- So this, in my opinion, is an important down payment that we're making, but it is certainly something
- But as we heard from our distinguished Chair of Ways and Means, this is a down payment.
- So my amendment would also require evaluation of different methods of tutoring.
Summary:
The Senate took up Senate House No. 4010, a fiscal year 2025 supplemental appropriations bill funded largely by surplus Fair Share revenues. The Ways and Means chair described the bill as a $1.28 billion package, with major investments in education and transportation, including special education circuit breaker aid, higher education deferred maintenance, career technical education capital grants, school construction relief, high-dosage tutoring, English language learning grants, MBTA reserve replenishment and safety training, commuter rail maintenance, Chapter 90 local road aid, regional transit authority support, ferry and micro-transit funding, and a small World Cup transportation appropriation. Members from both parties generally praised the bill’s one-time, regionally balanced approach while emphasizing fiscal discipline and the limited, surplus-based funding source. The minority leader and others questioned the fund balances and the use of the education and transportation innovation and capital fund, the Student Opportunity Act trust fund, and the transitional escrow account; the chair said the bill would zero out the innovation and capital fund, leave about $430 million in the SOA trust, and about $200 million in the escrow account.
Several members highlighted specific priorities. Senator Cronin and Senator Feeney strongly supported the $100 million career technical education investment, arguing it would expand vocational opportunities in comprehensive high schools and help meet workforce needs. Senator Feeney also emphasized MBTA funding, special education, local road repairs, English language learning tied to workforce needs, and World Cup preparations in Foxborough. Senator Comerford praised the bill’s regional equity, higher education maintenance funding, special education support, and transportation investments, while also noting the need for broader future work on Chapter 70 and school finance. Senator Tarr supported the bill but repeatedly stressed that the spending was a unique one-time opportunity and that the Commonwealth should preserve fiscal reserves and continue to address school funding inequities and MBTA finances more broadly.
The chamber then considered numerous amendments. Amendment 1 on tariff pricing transparency was withdrawn after brief remarks, and Amendment 14, proposing a DESE study on educational outcomes for young men and boys, was rejected. Amendment 182, funding Worcester Regional Transit Authority capital expenses, was adopted. Amendment 228, adding $500,000 for Free Period to expand access to menstrual products in schools, was adopted. Amendment 257, funding Springfield Public Schools communication and safety systems, was also adopted. Other amendments, including Tarr amendments on supplemental district aid, MBTA reporting, and the Foundation Budget Review Commission, were rejected. Amendment 308 concerning MBTA Communities and Milton was withdrawn, after which Senator Driscoll began a presentation arguing Milton was being misclassified under the MBTA Communities Act and should be treated fairly under the law.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance Nov 20th, 2025
Transcript Highlights:
- But how that is being accomplished is primarily through two different methods.
- For the claim payments, the same phenomenon would occur, but it would take a lot longer to materialize
- So that's the claim payments.
- Now hitting more than your mortgage payments.
- Either they got to fix their claim problem to keep their insurance rates within the payment request,