Video & Transcript Research : 'gap financing'
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MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am
Joint Committee on Financial Services
Transcript Highlights:
- They've had their lives and their finances upended by an oil spill. For 25 years now, I've worked.
- Let's ensure no family has to choose between their finances and full participation in life.
- But most of all, I hope that this year, this session, we will move forward to clearly address this gap
- That gap leaves patients underserved and vulnerable. There is an urgent need to designate...
- And by creating an SCD and trait registry, we will finally have data that is needed to close the gaps
Summary:
The hearing opened with the Senate and House chairs of the Joint Committee on Financial Services explaining that the day’s agenda would focus on health insurance and other insurance matters, with a large number of witnesses and a request for brief testimony. Legislators were taken out of order to accommodate their schedules, and the committee heard testimony on several bills, including coverage for hair prostheses for alopecia (H. 1223/S. 832), medically necessary oral and dental care for head and neck cancer survivors (H. 1258), modernizing fertility and family-building coverage (H. 715/H. 1190 and related bills), coverage for prosthetic devices to support physical activity for people with limb loss (the “So Everybody Can Move” bill), remediation coverage for home heating oil releases (S. 813/H. 1302), and expanded access to physical therapy for Ehlers-Danlos syndrome (H. 1170). A separate bill on sickle cell care and registry development (S. 788) was also discussed by Senator Liz Miranda.
Witnesses largely offered personal stories and expert testimony in support of the bills. Advocates for alopecia coverage described the medical and emotional impact of hair loss, the high cost of quality wigs, and the argument that scalp and facial hair prostheses should be treated like other medically necessary prosthetics. Cancer survivors and supporters of H. 1258 said oral and dental care after head and neck cancer treatment is a quality-of-life issue and often not covered despite major out-of-pocket costs. Fertility specialists, LGBTQ+ advocates, and legislators supporting the modern family-building bills said the current infertility definition is outdated and discriminatory, excluding same-sex couples, people needing donors or gestational carriers, and others with medical barriers to conception. For the limb-loss bill, parents and adults with prosthetic needs stressed that activity-specific prostheses are essential for children and adults to run, swim, play sports, and stay healthy, but are often excluded from coverage.
The home heating oil testimony focused on the financial devastation caused by residential oil spills and the need to make spill coverage automatic in homeowners policies. Environmental professionals and homeowners described cleanup costs ranging from tens of thousands to hundreds of thousands of dollars, the strict liability homeowners face, and the fact that many policyholders do not know the rider exists. The insurance industry testified in opposition to the mandatory-coverage approach, arguing for clearer distinctions between first- and third-party coverage, risk-mitigation standards, a delayed effective date, and more emphasis on education and notification rather than mandates. Committee members pressed the industry witness on why agents do not routinely tell customers about the rider and suggested that the issue may require broader disclosure by insurers, agents, and fuel dealers. No votes were taken during the hearing; the committee heard testimony and discussed possible compromise language and future action.
TX
Transcript Highlights:
- What can I do as chair of finance to help you get the resources that you need to follow through with
- So I do not know how you could fill the gap necessarily.
- So I don't know how, if you could fill the gap necessarily.
- So I don't know how, if you could fill the gap necessarily.
- So I think to be able to finance...
NH
New Hampshire 2026 Regular Session
House Municipal and County Government (01/30/2026)
Municipal and County Government
Transcript Highlights:
- So I should be out of finance by 11. So I should be out of finance by 11:15.
- <01:09:03.440>
of taxpayers to fill the gaps of taxpayers to fill the gaps of irresponsible - 600,000, that there's a huge gap there. 600,000, that there's a huge gap there.
- Sometimes they're called a finance<03:01:13.920>
committee. - This doesn't affect finance committee.
NV
Nevada 2025 Regular Session
Senate Floor Session May 31st, 2025 at 11:30 am
Nevada Senate Floor Meeting
MN
Transcript Highlights:
- It was due to gaps in Minnesota laws in 2016.
- Some of those gaps were addressed in 2021, but others remain, many of which are included in this bill
- We didn't have the fiscal note in education finance when we saw this bill before.
- And I I was remiss without Finance. And I I was remiss without thanking<00:14:09.800>
Ms. - This bill was heard in State Government Finance and was moved out unanimously.
Keywords:
grooming, child protection, student safety, sexual exploitation, educator licensing, teacher discipline, mandatory reporting, mandated reporter training, school misconduct, predatory offender, child abuse, sexual abuse, sex trafficking, child sexual abuse material, child pornography, position of authority, school employee, school administrator, license revocation, license suspension
MN
Transcript Highlights:
- The Chair calls the Education Finance Committee to order for Thursday, February 20, 2025, and a quorum
- Contractors help fill gaps in our schools, and schools certainly need stuff, but data tells us that there
- what I see at the term on Ed Finance what I see at the surface<00:47:28.160>
level <00:47:28.440 - <00:48:26.240>
um in the AL Cove after our Ed Finance um in the AL Cove after our Ed Finance - closing Educational Opportunity gaps closing Educational Opportunity gaps Grant<01:28:13.840>
Keywords:
HF56, Minnesota bonding bill, capital investment, state bonds, bond proceeds fund, Hutchinson Area Transportation Services, Hutchinson, McLeod County, transportation facility, vehicle storage, equipment storage, fueling facility, temperate storage, local infrastructure, public works, general obligation bonds, education finance, school funding, state aid, appropriations
AZ
Transcript Highlights:
- I see that it's the preventative maintenance: you prevent this little gap from happening.
- I see that it's the preventative maintenance: you prevent this little gap from happening.
- We would also do the health and welfare on their finances to make sure they are not dipping into another
- By saying that it is not credit and that there are no finance fees, these products fall completely out
- Legally, it's finance fees.
Bills:
HB2118, HB2181, HB2308, HB2309, HB2402, HB2476, HB2682, HB2698, HB2875, HB2877, HB2903, HB2910
Keywords:
mobile food vendors, licensure, food safety, statewide regulations, health standards, zoning, temporary vendors, HB2181, death certificate, death certificates, vital records, funeral establishment, funeral home, human remains, medical certification of death, death registration, state registrar, local registrar, county medical examiner, alternate medical examiner
Summary:
The House Commerce Committee heard and advanced several bills. HB 2181, as amended, would extend the deadline for funeral establishments to submit death certificates from 7 days to a maximum of 14 days and clarify that a provider’s medical certification period excludes weekends and holidays. The sponsor and a mortuary owner testified that the current timeline is often difficult to meet because of weekends, holidays, doctor availability, county delays, and family circumstances. Several members said the bill did not fully address the underlying compliance problems, but the committee adopted the amendment and passed the bill 6-4-1.
HB 2682 would create a DES rental assistance program offering up to two months or $5,000 in aid, with a $5 million general fund appropriation for administration. The sponsor and a tenant advocate described the bill as a short-term bridge to prevent eviction and homelessness, while an industry representative said rental assistance is an effective early intervention tool. Some members raised concerns about limiting eligibility to households with children and about program administration, but the bill passed 7-4. HB 2698 would create a rental assistance study committee to evaluate program effectiveness and repeal in 2028; it passed on a 7-4 vote.
HB 2476 would revise CPA certification and reciprocity requirements, creating multiple pathways to licensure and updating related rules and fees. Supporters said it would help address a CPA shortage and align Arizona with other states; after clarification from the sponsor and the State Board of Accountancy, the committee passed it unanimously, 11-0. The committee then heard HB 2308, which would bar dental insurers and certain holding companies from owning dental practices; the Arizona Dental Association supported it as a safeguard against vertical integration, while Delta Dental opposed it as overbroad and burdensome. The bill passed 8-0-3. Finally, the committee began hearing HB 2118 on mobile food vendors and local permitting, with the sponsor and food truck operators arguing for streamlined county/state licensing and reduced local duplication, while a vendor representative warned the proposal could affect existing local ordinances and private-property vendors.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 4 on Climate Crisis, Resources, Energy, and Transportation Mar 19th, 2025
Transcript Highlights:
- Department of Finance. The Department of Finance, John Parsons. LAO?
- Department of Finance. The Department of Finance, John Parsons. LAO?
- John Parsons, Department of Finance.
- Lizzie, Department of Finance.
- John Parsons, Department of Finance. It's still a bit early.
Summary:
The subcommittee heard presentations on the administration’s Proposition 4 spending plans for extreme heat mitigation and outdoor access, then took up SB 54 implementation, SB 707 textile producer responsibility, and recovery needs related to the Los Angeles fires at state parks. For the extreme heat chapter, agencies described funding for the Extreme Heat and Community Resilience Program, urban greening, urban forestry, fairground upgrades, and technical assistance for community-based climate programs. Witnesses emphasized that these are existing programs with strong demand, that technical assistance is important for reaching disadvantaged and tribal communities, and that the proposed funding would expand outreach and implementation capacity. Members asked for more detail on where funds have gone geographically, examples of successful projects, tree-planting totals, and how fairgrounds could better support fire staging and emergency preparedness. The LAO said the timing of the administration’s proposed funding generally made sense because the programs are already established, and no votes were taken.
For outdoor access, State Parks, Fish and Wildlife, and Natural Resources described funding for new parks in underserved communities, deferred maintenance, state lands access, and several new or pending programs. State Parks said the park development program would fund roughly 48 projects and that deferred maintenance funding would address high-priority health, safety, and access needs. Fish and Wildlife said its lands program would improve visitor amenities and access on properties that often lack basic facilities. The Natural Resources Agency also outlined three newer outdoor-access proposals: expanding recreation in disadvantaged communities, enhancing natural resource values and trail access, and a nature/climate/education facilities grant program. The LAO distinguished between existing programs, which are ready to move forward, and the newer proposals, where the Legislature may want more input before funds are allocated. Members also raised concerns about park police vacancies, the need to track outcomes for accessibility investments, and whether Prop. 4 could help with wildfire-related recovery at state parks.
CalRecycle then presented on SB 54, the plastics and packaging producer responsibility law, and members pressed hard on the delay in regulations. CalRecycle said it has held workshops, formed an advisory committee, selected the producer responsibility organization, and completed required baseline and covered-material reports, but needs more time to address complex comments and novel features such as source reduction and eco-modulated fees. Members expressed frustration that a statutory deadline was missed and asked for a concrete timeline; CalRecycle said it expects regulations in place by 2026, ahead of the PRO’s January 1, 2027 plan deadline. Finance said the Beverage Container Recycling Fund is currently healthy enough to support short-term loans for implementation. The committee also reviewed SB 707, the textile EPR law, which would create the nation’s first textile producer responsibility program; staff said the proposal would add positions and loan authority, and members noted the statutory deadlines for PRO approval, needs assessment, and later regulations. The hearing ended with discussion of the January Los Angeles fires’ damage to Topanga State Park and Will Rogers State Historic Park, where State Parks described extensive losses, emergency response work, and ongoing damage assessment. Members asked about FEMA eligibility, state funding sources, and community engagement in rebuilding, and the department said it is still assessing costs and will work with the public on reimagining the parks.
MN
Transcript Highlights:
- . >> We don't need a quorum, but we will begin this committee hearing of Education Finance.
- I am the Chair of Education Finance and I'm very happy to see you all here today.
- consider the future of education finance consider the future of education finance and<01:10:24.640
- <01:13:08.159>
and widening academic achievement gaps and widening academic achievement gaps - Um I know the focus of this committee is education finance, but I want to are not safe.
NM
New Mexico 2025 Regular Session
Legislative Finance Sub Committee Nov 19th, 2025
Transcript Highlights:
- So there's a gap there that we're not recognizing, and so some best practice validation, whether it seems
- There's a gap there. One of the things I'm leaving this committee hearing, Mr.
- I did want to tell you that the continuum of care that you're talking about, we are filling those gaps
- our investment—not just throwing our money away. ...and you know I sit on House Appropriations and Finance
MN
Transcript Highlights:
- With a quorum present, the Minnesota Senate Education Finance Committee will now come to order.
- Minnesota Senate Education Finance Minnesota Senate Education Finance Committee<00:06:44.880>
will - in communities across northeastern Minnesota where public libraries are responding to help fill the gap
- These achievement gaps and opportunity gaps persist even with the dedication of many individuals and
- and opportunity gaps persist even gaps and opportunity gaps persist even with<01:07:22.400>
the
CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 114 May 8th, 2026
Colorado House Floor Meeting
Transcript Highlights:
- <01:59:05.040>
that started looking at different gaps that started looking at different gaps - us is the adoption of the finance us is the adoption of the finance report.<03:44:47.600>
All - Finance report is The eyes have it.
- As we close billion-dollar gap after billion-dollar gap, we've had to prioritize the needs of the entire
- billion<05:21:54.000>
dollar <05:21:54.320>gap, billion dollar gap, billion dollar gap
Summary:
The House convened, took roll, and approved the journal of Wednesday, May 6, 2026, as corrected. Members then made several announcements, including committee meeting notices, a Colorado Farm Bureau burger bash, recognition of Nurses Week, Asian-American and Pacific Islander Heritage Month, and a commendation honoring former legislator Dorothy Rupert for her public service and advocacy. The chamber also heard a report that Rep. Flynnel had helped save a life by calling 911 when she witnessed a medical emergency near the Capitol.
Committee reports were received from Appropriations and Business Affairs and Labor, and the majority leader moved a slate of bills to special order for May 7. The House then proceeded to special orders and considered House Bill 1433, which would allow the firefighter behavioral health trust to receive gifts, grants, and donations to sustain services for firefighters dealing with trauma. Supporters described the program as essential for first responders, and the bill passed.
The chamber next considered House Bill 1429 on consolidating administration of public assistance programs. Supporters said it would stabilize the safety net, reduce error rates, and create a transition plan involving counties, state departments, and frontline workers; the appropriations report and the bill both passed. House Bill 1416, which transfers money from the Universal High School Scholarship Cash Fund to support small businesses and the Colorado Small Business Development Center, also passed as amended after debate over the use of the scholarship fund and its prior implementation challenges. Opponents argued the money should remain with students, while supporters said the fund had already distributed most of its original allocation and the transfer would help small businesses without creating a new program.
MN
Minnesota 2025 1st Special Session
House Elections Finance and Government Operations Committee 2/10/25
Elections Finance and Government Operations
Transcript Highlights:
- Um, I'm calling the Minnesota House Elections Finance and Government Operations Committee to order, and
- large IT cybersecurity vendors, that can provide some of that at cost and help fill some of those gaps
- go ahead thank you Mr chair Gap go ahead thank you Mr chair representative<01:07:50.880>
so <01 - And so, a similar regime as the Campaign Finance and Public Disclosure Board for state candidates also
- I would think that the Campaign Finance Board could be a key cooperator in that whole function.
Summary:
The Minnesota House Elections Finance and Government Operations Committee met to begin its session with member and staff introductions, then heard an overview from Secretary of State Steve Simon and elections director Paul Linnell on the state’s elections administration and budget needs. Simon said the office’s committee-jurisdiction budget request was for the Help America Vote Act (HAVA) election security grant match: Minnesota received about $1 million in federal funds in 2024 and needs a $200,000 state match to unlock the money for election security navigator work. He also previewed the office’s broader presentation on the 2024 election, outreach efforts, and election security.
Simon described the 2024 election cycle as successful, saying his administrative goals were high turnout and low drama. He reported that Minnesota had very high turnout in the November election, with more than 3.27 million ballots cast and about 76.4% turnout, and noted that more than 1.3 million voters cast ballots before Election Day. He also highlighted outreach and accessibility efforts, including the Students Voting Program, Youth Day at the Capitol, National Voter Registration Day activities, expanded online voter tools in additional languages, and work to inform eligible Minnesotans about the Restore the Vote law for people leaving prison. He emphasized that elections are a team effort carried out largely by counties, cities, townships, and election judges.
Linnell then explained the state’s election administration structure and responsibilities, including the Statewide Voter Registration System, candidate filing and election reporting systems, voting equipment certification, and post-election performance reviews. He said counties are central to voter registration updates and ballot preparation, and noted that in 2024 there were a handful of counties with ballot errors that required court action, with a vendor process change identified as a contributing factor. Committee members asked for more detail on the number and identity of the affected counties. No votes or formal committee actions were taken during the portion of the meeting reflected in the transcript.
MN
Transcript Highlights:
- I share a lot of the school funding concerns that you have as we sit in Ed Finance together.
- Why wouldn't it be staying in this jurisdiction where it's going to be financed through?
- in his rural setting, and now care gaps in the urban setting that this is filling.
- in his rural setting, and now care gaps in the urban setting that this is filling.
- You want to move it to Ed Finance? The bill is laid over. We're now adjourned.
FL
Florida 2026 4th Special Session
February 24, 2026 - 08:30 AM
Transcript Highlights:
- Member: I just want to say this is a good bill addressing a serious problem of financing the clerks around
- And $8 million spread seems very low when the clerks have a $75 million funding gap they are trying to
- individuals in high school having a relationship with somebody in Representative Deal: the same age gap
NH
New Hampshire 2026 Regular Session
Committee of Conference on HB 155, HB 1102, HB 1109, HB 1356, HB 1469, HB 1323, HB 1376 (05/26/2026)
Transcript Highlights:
- We know that this is a gap. This is a gap that exists. Not because of something we've created.
- We know that this is a gap. This is a gap that exists. Not because of something we've created.
- We know that this is a gap. This is a gap that exists. Not because of something we've created.
- We know that this is a gap. This is a gap that exists. Not because of something we've created.
- We know that this is a gap. This is a gap that exists. Not because of something we've created.
Keywords:
9:00am HB 155
9:30am HB 1102
10:30am HB 1109
11:00am HB 1356
11:30am HB 1469
1:00pm HB 1323
2:00pm HB 1376, 928, house, all
Summary:
The meeting began with unanimous committee approval of amendment 2026-2021S to HB 2. Senator Lang explained the amendment corrected a drafting error so that $2.5 million in state funds, matched with federal money for a total of $5 million, could be spent during the biennium rather than lapse at the end of the fiscal year. The money is intended to stabilize Medicaid per diem rates for county nursing homes, and members agreed without objection to adopt the amendment and continue working from the bill as amended by the Senate.
The committee then discussed HB 155 and a proposed amendment, 2026-201H, dealing with the business enterprise tax. The House side described the proposal as a compromise that would raise the filing threshold from $250,000 to $375,000 and create a trigger that would reduce the BET rate by 0.05% for each $100 million in combined business tax surplus, down to a floor of 0.25%. Senate members opposed lowering the rate at this time, arguing that tax relief should focus on the filing threshold, which they said would remove filing burdens for about 3,500 small businesses, and that rate cuts should be considered in a budget cycle rather than an off-year. Concerns were raised that one-time revenues, such as tax amnesty receipts or federal repatriation-related surpluses, could unintentionally trigger reductions.
Representative Sweeney later offered a revised approach by moving the effective date of the trigger mechanism to January 1, 2028, and said he was also willing to carve out tax amnesty revenues or adjust the effective date to avoid using one-time funds. The Senate remained unwilling to agree to a rate reduction, though it expressed openness to raising the filing threshold further. The committee ultimately did not resolve the business tax issue and recessed to continue discussions at a later time.
The final item discussed was HB 1102, concerning an increase in the research and development tax credit paired with changes to state park fees. House members supported the R&D credit increase but opposed tying it to higher park fees, citing concerns about tourism, especially at border parks, and noting that the Department of Natural and Cultural Resources had said it did not need the increase. Senate members defended the park fee changes as a fairness issue, arguing that New Hampshire residents should pay less than out-of-state visitors and that the department had not raised rates in many years. No vote was taken on this item during the discussion captured here.
TX
Transcript Highlights:
- That's all it's about is service levels, reducing those service gaps created by, uh, annexation.
- I'm a shareholder in our public finance, uh, section and, uh, the attorney for the district.
- So please note that the district is still required to finance such sewer infrastructure as well as to
- Mud number 70 will have the power to finance the construction of water, sewage, and drainage facilities
- Members of municipal utility districts are an important financing mechanism to support new residential
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, December 1, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- This bill is a way to approach filling the gaps in manufacturing financing.
- So our bill is going to address itself to these gaps in the law.
- So our bill is going to address itself to these gaps in the law.
- gaps in pediatric drug research. Mr. gaps in pediatric drug research. Mr.
- finance giants, weaponizing the housing finance giants, Fanny<05:54:38.480>
May <05:54:38.798>
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Public Service Jun 21st, 2026 at 01:00 pm
Joint Committee on Public Service
Transcript Highlights:
- And I’m going to let the firefighters speak more about it, but basically this bill addresses the gap
- legislation has been given a favorable report by this committee and the Joint Committee on Health Care Finance
- Thank you. healthcare finance.
- These bills address an important gap in how we support our law enforcement professionals—professionals
Summary:
The Joint Committee on Public Service heard testimony on a wide range of bills affecting public safety and public sector employees, with most of the discussion focused on expanding occupational presumptions and retirement protections for police, firefighters, correction officers, court officers, and other public employees. Testifiers from the Legislature, police and fire unions, the Massachusetts Chiefs of Police Association, PERAC, and the AFL-CIO generally supported bills covering cancer presumptions, contagious disease presumptions, Parkinson’s disease for firefighters, PTSD-related disability and death, and equity for post-certified police officers under the Heart Law. Several speakers emphasized that these conditions are linked to long-term occupational exposure, that current law leaves out agencies such as UMass police, Environmental Police, DMH police, and other state or campus police, and that the bills would correct gaps in existing benefits and presumptions.
Representative Colleen Garry and Senator Joan Lovely spoke in support of expanding the Heart Law and cancer presumption protections, while Representative and Senator sponsors for the firefighter and PTSD bills described the health risks faced by first responders and urged favorable reports. PFFM and MassCOP representatives argued that firefighters and police officers face toxic exposures, infectious disease risks, and chronic stress, and cited studies and other states’ laws in support of the measures. PERAC testified that the PTSD accidental disability bill would clarify confusing case law and update filing requirements so traumatic incidents can be used in applications even when PTSD develops later, while still requiring medical review and retirement board approval.
Additional testimony came from correction officers and trial court officers seeking comparable disability and pension protections, including a bill to extend a 100% disability pension to correction officers injured in violent attacks and a bill to treat court officers more like police and firefighters when injured in the line of duty. The committee asked a few clarifying questions, including about whether the PTSD bill would address post-retirement claims and about the impact of excluding “forgotten” police agencies. No votes were taken during the hearing, and the committee ultimately adjourned after hearing all scheduled testimony.
NH
New Hampshire 2026 Regular Session
Fiscal Committee (05/15/2026)
Transcript Highlights:
- We're trying to fill a gap that's been identified to make sure that our preparedness levels at the local
- We're trying to fill a gap that's been identified to make sure that our preparedness levels at the local
- Hi, I'm Danielle Shandanay, the director of finance. So yes, we are trending that.
- And if you have any suggestions, please come forward to Division 2 and Finance Committee, and we'll see
Summary:
The Joint Fiscal Committee met on May 15 at 10:00 a.m. and first approved the April 17 minutes. It then took up a consent calendar covering tabs three through seven, with items 089 and 097 removed for separate discussion. The committee approved the remainder of the consent calendar and then adopted item 089, which involved Department of Safety/Homeland Security grant funding for active shooter incident management and school reunification training. Officials said the project is a mandatory Homeland Security grant set-aside, with training for public safety officials and school districts and internal social media used only to promote training schedules; members asked about marketing, outcomes, and how success would be measured.
The committee next considered item 097 for the Division of Historical Resources. Agency officials said the request was driven by a decade-long increase in Section 106 and state historic preservation reviews, many tied to disaster-related infrastructure work such as culvert and road repairs, and that the grant would add capacity to handle roughly 1,000 to 1,500 reviews per year. The committee approved the item after brief discussion.
Under the regular calendar, the Department of Transportation presented a fuel-related transfer. Members questioned the decline in the highway fund balance, which staff said was being affected by rising expenses, flat-to-moderate revenue, and a rough winter that increased maintenance costs. DOT officials said they were considering toll rate increases and noted the agency pays market wholesale fuel rates; they also discussed prior fuel hedging decisions and said they have authority to hedge again if it makes sense. The committee approved the DOT item, then approved a miscellaneous action item to fill a position at the LBA. Members also asked the chair to remind the Attorney General to appear at a future meeting regarding the YDC claims report. The committee set its next meeting for Friday, June 19 at 11:00 a.m., and adjourned after a brief note of appreciation for recent corrections and changes reported by the liquor commission.