Transcript Highlights:

• We all know that the root cause of all this is climate change.
• all<00:02:51.560> this<00:02:51.760> is<00:02:52.000> is<00:02:52.200> climate
• <00:02:52.599> change cause of all this is is climate change cause of all this is is climate
• It also benefits dentists by reducing the risks of non-payment with medical debt.
• If you could identify yourself for the record and begin. reducing the risks of reducing the risks of

Bills: HF2228, HF46, HF856, HF2149, HF2215

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Transcript Highlights:

• recognize the importance of education and ensuring that people are good consumers who understand scams and risks
• recognize the importance of education and ensuring that people are good consumers who understand scams and risks
• good consumers who understand<00:27:10.559> scams<00:27:10.960> and<00:27:11.200> risks
• ><00:27:11.919> I<00:27:12.159> think<00:27:12.240> what understand scams and risks
• I think what understand scams and risks.

Bills: HF1392, HF2233, HF695, HF2228, HF1289

Keywords: consumer protection, restitution, attorney general, consumer enforcement, unclaimed funds, victim compensation, settlement funds, special revenue fund, general fund, restitution account, consumer fraud, state treasury, eligible consumers, distribution of funds, tax subtraction, income tax, refund, unpaid compensation, Minnesota Department of Revenue, consumer redress

Transcript Highlights:

• You'll see reductions to 2023 appropriations for the local climate action grants being reduced by $3
• Then the climate private land/working land restoration easements are being reduced by $2 million.
• Community Assistance Program at the Minnesota Pollution Control Agency in planning and implementing climate
• Infrastructure improvements will help communities prepare for a changing climate.

Bills: HF2439

Keywords: environmental protection, pollution reduction, waste management, climate change, funding allocations

Bills: SB18

Keywords: greenhouse gas emissions, environmental regulation, air quality, climate policy, sustainability, 996, all

Transcript Highlights:

• You'll see reductions to 2023 appropriations for the local climate action grants is being reduced by
• Then climate private landwork restoration easements is being reduced by $2 million.
• Then climate private landwork million.
• in planning and implementing climate in planning and implementing climate resiliency<00:24:53.120
• climate. This planning is a real need. climate. This planning is a real need.

Bills: HF2439

Keywords: environmental protection, pollution reduction, waste management, climate change, funding allocations, 1183, house

Transcript Highlights:

• And it is one of the ways in which I want to express my frustration with where we are going on climate
• going to undo this whole litany of regulatory things, including everything having to do with the climate
• It doesn't just understand climate science, it teaches climate science.
• now on a place in which the person in charge of protecting us in this area is saying that it's a climate
• change religion and not climate science puts me into a... really challenging position.

Keywords: Environmental Protection Agency, David Fatui, nominations, climate science, environmental policy, public testimony

Summary: During this committee meeting, members engaged in substantial discussions regarding the nominations for key positions at the Environmental Protection Agency. The nominations for David Fatui as Deputy Administrator and another nominee received favorable reviews, with several members expressing support for their qualifications and the importance of their roles in addressing environmental issues. Notable conversations highlighted concerns about the current administration's stance on climate science and regulatory practices, particularly focusing on a controversial statement made by one of the nominees that undermined established climate science. Senator Whitehouse expressed deep frustration over the implications of this viewpoint on future environmental policy and regulation.

Transcript Highlights:

• He said the other concern was to make sure there was no risk of a cost shift to other ratepayers if some
• It does not have the same risk to consumers of being overcharged because you are guaranteed a discount
• They were very intentional when crafting the legislation to make sure that there was no risk of cost
• six preserves in Delaware, and all of them include wetlands that support some of Delaware's most at-risk
• Their protection is also consistent with key goals of the state's climate action plan.

Bills: SB9

Keywords: wetlands protection, nontidal wetlands, Delaware, environmental sustainability, climate change, carbon sink, permitting process

Summary: The House Natural Resources and Energy Committee met and first considered SB 321 with Senate Amendment 1, the community solar utility billing bill. The sponsor explained that it would consolidate the two-bill system for community solar subscribers into one utility bill, with the utility forwarding the subscriber fee to the solar facility through an escrow mechanism so costs are not shifted to other ratepayers. Testimony from the solar industry, the Public Advocate, and environmental advocates supported the measure, emphasizing easier enrollment, fewer barriers for low-income customers, and guaranteed savings. The committee initially lacked enough members present to release the bill, but after a roll call vote it was released from committee. The committee then heard SB 9 with Senate Amendment 1, a wetlands protection bill creating a state non-tidal freshwater wetlands permitting program. The sponsor and DNREC described a framework of exemptions, general permits, and individual permits based on wetland type and value, with an advisory committee to develop regulations. Witnesses explained that “exceptional value” wetlands would include unique wetland communities and high-functioning wetlands, and that the bill was intended to preserve important habitat while allowing farming, drainage, and other exempt activities to continue. Some members raised concerns about flooding, land classification, and the balance of the advisory committee, while supporters said the bill was the product of broad stakeholder consensus and would protect wetlands without unduly harming agriculture or development. Public comment on SB 9 was strongly supportive from environmental groups, the Delaware Native Species Commission, the Home Builders Association, the Farm Bureau, The Nature Conservancy, and affordable housing advocates, who said the bill balanced conservation with practical land use concerns. After remote testimony, the committee took a roll call vote and SB 9 was released from committee. The meeting concluded with remarks thanking the chair for her service and instructions for members to sign the backers before adjournment.

Transcript Highlights:

• And the other was to make sure that there was no risk of a cost shift to other ratepayers if some customers
• They do not have the same risk to consumers of being overcharged because you are guaranteed a discount
• We were very intentional when crafting legislation to make sure that there was no risk of cost shift
• six preserves in Delaware, and all of them include wetlands that support some of Delaware's most at-risk
• Their protection is also consistent with key goals of the state's climate action plan.

Bills: SB9

Keywords: wetlands protection, nontidal wetlands, Delaware, environmental sustainability, climate change, carbon sink, permitting process

Summary: The House Natural Resources and Energy Committee met to consider two Senate bills. SB 321, with Senate Amendment 1, would change community solar billing so subscribers receive one consolidated utility bill instead of separate bills from the utility and the solar provider. Supporters said the bill would simplify enrollment and payment, improve customer retention—especially for low-income customers—and include safeguards such as guaranteed savings and an escrow mechanism to prevent cost shifts to other ratepayers. After public testimony from solar developers, the Public Advocate, the Sierra Club, and others, the committee initially lacked enough members present to release the bill, so the vote was circulated to absent members and the bill was later reported out for floor action. The committee then heard SB 9, with Senate Amendment 1, a long-negotiated wetlands protection bill. The sponsor and DNREC explained that it would create a state non-tidal wetlands program with exemptions for certain agricultural, conservation, and routine activities, general permits for some lower-impact projects, and individual permits for higher-value wetlands. Witnesses described the bill as a compromise among environmental, agricultural, development, and local government stakeholders, while some members raised questions about flooding, landowner impacts, wetland delineation, and the role of the regulatory advisory committee. Public testimony was broadly supportive from environmental groups, the Farm Bureau, builders, engineers, and affordable housing advocates. The committee then voted to release SB 9 from committee. At the end of the meeting, members offered thanks and remarks recognizing the chair’s service and leadership on environmental and energy issues. Both bills were ultimately released from committee and reported out.

Transcript Highlights:

• Then you add to that climate change.
• Now climate catastrophists will say, oh it's it's because there's so much climate risk and nobody can
• risk that's contracting.
• Flood is the most common risk, common disaster risk. 4.7 million Americans currently rely on the NFIP
• One is insurers are very concerned about aging infrastructure and how increasing climate risks are an

Keywords: homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions

Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.

Transcript Highlights:

• That are at poor condition and at risk, a D range. The 16 categories.
• must continue reviewing and modernizing engineering standards that incorporate innovation, minimize risk
• resources effectively. to managing infrastructure also facilitates strategic planning and supports risk
• highway bridges levees and water and wastewater and even more without pro- Through active measures, we risk
• described, and it's a lack of information, it's a lack of underfunding. of the agency to determine the risks

Keywords: Texas, Infrastructure Report Card, ASCE, population growth, climate change, investment, public safety, engineering standards

Summary: The meeting focused on the release of the 2025 Texas Infrastructure Report Card, highlighting key findings and recommendations for improving infrastructure across various sectors in the state. Julie Jones, Vice President of ASCE Texas, opened the session by introducing key speakers, including Dr. Art Wood and committee co-chairs Griselda Gonzalez and Austin Mazzarelli. Throughout the discussion, the report's grades were revealed, showing the state's infrastructure received an overall grade of 'C'—adequate but requiring significant attention and investment. Emphasis was placed on the rising challenges posed by climate change and increased population growth, underscoring the need for strategic investments in infrastructure to support Texas' economic growth and public safety.

Transcript Highlights:

• So cold snaps, heat waves, of high risk.
• And certainly, the greater the risk of the project, the higher the interest rate.
• So we're doing risk interest rate.
• At-risk pay being bonuses, incentives and the like.
• At risk pay excluded from our rates.

Bills: HF4059, HF76

Keywords: climate change, greenhouse gas emissions, financing, sustainability, environmental policy, renewable energy, Minnesota Climate Innovation Financing Authority, earned incentive release credit, release credits, supervised release, corrections, Minnesota Department of Corrections, sentence reduction, good time, prison time, incarceration, violent offenses, murder, criminal sexual conduct, sex offenses

Bills: SB2373, SB2101, SB2905, SB3231, SB2486, SB2376

Keywords: carbon sequestration, marine ecosystem, climate change, renewable energy, biodiversity, nature-based solutions, organic waste, solid waste, waste diversion, composting, bioconversion, recycling, food waste, green waste, food-soiled paper, wood waste, landfill diversion, waste reduction, waste management, county solid waste plan

Summary: The committee heard SB 2006, which would clarify that a farm dwelling permit in an agricultural district may include a single-family farm dwelling with an accessory employee housing structure, subject to restrictions. Testimony was largely supportive, with comments from the Department of Agriculture Biosecurity, DPP, Hawaii Farm Bureau, Hawaii Realtors, Grassroot Institute of Hawaii, Hawaii Farmers Union, Housing Hawaii Future, and several individuals. The chair noted there were nine in support, two opposed, and four offering comments. In decision-making, the chair recommended passing the bill with OPSD-suggested amendments to clarify the definitions of farm employee housing and bona fide agricultural services. The chair also referenced opposing testimony that raised concern the original draft could limit tourism activities that provide supplemental income for bona fide farming operations. The proposed amendments were intended to make clear that farm employee housing is only for workers and not visitor accommodations, while allowing tourism activities on the same parcel if they are secondary and incidental to a bona fide agricultural operation, do not occur in employee housing units, and comply with county ordinances. The committee adopted the recommendation and voted to pass SB 2006 with amendments. The recorded votes showed the chair, vice chair, Senator Rhoads, and Senator Awa in favor, with Senator DeCoite excused. The same pass-with-amendments recommendation was then made to the housing committee and adopted there as well, with Senator Elephante voting aye and Senator Favella excused.

Transcript Highlights:

• He's the producer of Climate the Movie.
• conversations of leading climate scientists with a different take.
• I didn't mention climate at all in this discussion.
• not it's a climate related investment these<00:15:05.920> are<00:15:06.480> really<00:
• <00:15:12.839> at<00:15:12.959> all behind I didn't mention climate at all behind I

Bills: HF1013, HF1598, HF1656, HF2162

Keywords: energy, economic development, funding, renewable resources, Clean Energy Economy Minnesota, air ventilation, geothermal, school financing, Minnesota Climate Innovative Finance Authority, geothermal energy, renewable energy, construction funding, Como Zoo, energy efficiency, HF2162, Minnesota, planning grants, renewable development account, clean energy, Department of Commerce

Transcript Highlights:

• Establishes a climate food systems.
• Addressing the impacts of climate-related factors is important.
• We'll start off with DAB. incentive program within the climate incentive program within the climate change
• <01:18:59.520> um and ideally work with the climate um and ideally work with the climate um
• previous pilot program, the climate previous pilot program, the climate smart<01:19:09.679> effort

Bills: SB874, SB2097, SB2098, SB2126, SB2154, SB2153, SB2160, SB2123, SB2110

Keywords: veterinary medicine, prescription, consumer rights, transparency, pet medication, sustainable agriculture, climate adaptation, food system resilience, grant program, Hawaii agriculture, agriculture, clean plant program, disease-free plants, plant propagation, small farms, midsize farms, sustainable farming, Hawaii, data analysis, market study

Summary: The committee heard several agriculture-related bills. SB 874 on veterinary medicine would require veterinarians, upon a client’s request, to provide a written prescription for an animal patient in an existing veterinary client-patient relationship, allow Hawaii-licensed pharmacies to dispense those prescriptions, and authorize the Veterinary Medicine Board to set penalties. Testimony was overwhelmingly supportive, with supporters citing lower costs and consumer choice; the Hawaii Veterinary Medical Association said veterinarians already should be doing this and supported the bill if amended. One testifier in opposition argued the bill needed a conspicuous notice requirement so pet owners know they can request prescriptions. Committee members and the Department of Agriculture said they were not aware of widespread problems, and discussion focused on whether the measure was already consistent with current practice and whether amendments would address remaining concerns. The committee also heard SB 2097, which would create a climate-resilient food systems grant program in the Department of Agriculture and Biosecurity and appropriate funds. The department, Hawaii Farm Bureau, Hawaii Farmers Union, Hawaii Cattlemen’s Council, and others supported the bill, saying it could help farmers and ranchers invest in resilience, infrastructure, and technology. Several testifiers asked for clearer definitions, especially for terms like “food hubs” and “resilience hubs,” and suggested adding technical assistance and clearer eligibility criteria. The department explained the program was intended for shovel-ready projects in the middle of the supply chain, with a focus on farmers in a certain revenue range, and said it was modeled on a USDA program. SB 2098 would establish a clean plant program to produce and distribute disease-free plant material to growers, nurseries, and other producers. Testimony was supportive, emphasizing biosecurity, nursery industry needs, and preventing invasive species and crop disease. The department described the program as using tested clean stock, tissue culture facilities, and data collection to support future planting decisions, and estimated a two-year ramp-up. Members questioned whether the program duplicated existing work at CTR/other partners and whether data collection should be centralized, but the department said the effort would build on existing varieties and partnerships rather than overlap them. Finally, SB 2126 would create a conventional farming grant program for small and midsize conventional farmers. Supporters from the department, Hawaii Farm Bureau, and Hawaii Cattlemen’s Council said conventional agriculture deserves support and that the bill would help increase food production. Opposition and comments focused on the bill’s exclusion of organic farmers; one farmer said the measure was unfair unless amended to include organic producers, while a Farmers Union witness said the bill was too vague about the grant’s purpose and should be clearer about its goals. In response to questions, the department said the exclusion of organic farming was not intentional and that the bill was meant to support all agriculture, though no vote or final action was taken in the excerpt provided.

Bills: SF2077, HF2439, HF841

Keywords: environmental protection, natural resources, wildlife management, public funding, community grants, pollution reduction, waste management, climate change, funding allocations, food support, emergency funding, shelf programs, Minnesota statutes, appropriation, 1183, house

Transcript Highlights:

• identify feasible options and mechanisms to protect the state and its residents against the effects of climate
• other groups that have individuals or other corporations in our state that have suffered damages from climate
• state that have suffered<00:20:29.960> damages<00:20:30.640> from<00:20:31.320> climate
• suffered damages from climate change? suffered damages from climate change?

Bills: SCR118, SCR173

Keywords: climate change, insurance affordability, working group, disaster recovery, fossil fuel companies, insurance stability, Hawaii Hurricane Relief Fund, ticket scalping, task force, consumer protection, event accessibility, local economy, 910, house, all

Summary: The Committee on Consumer Protection heard two resolutions. SCR 118 SD1 would urge the Insurance Division and the Attorney General to convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division deferred to written testimony, while the Attorney General opposed the measure because of an ongoing lawsuit, asking that references to legal recovery and the AG’s role in convening the group be removed. Members questioned how the resolution might relate to the state’s climate damages litigation and whether it could inform damages calculations. The committee later recommended passage with amendments, including removing the Attorney General as co-convener and changing certain membership references to board chairs; the motion passed unanimously with one excused member. The committee also heard SCR 173 SD1, which would create a task force on event ticket scalping. The Office of Consumer Protection supported the concept but asked to be added as a task force member and said the draft left its role unclear. Supporters, including the National Independent Venue Association and D-BAT, described high resale prices, fraudulent or speculative tickets, and harm to consumers and local businesses. StubHub and the Ticket Policy Forum supported the task force but urged broader scope to include the primary ticket market and ticket sellers, and StubHub also sought inclusion on the task force. Members discussed whether the task force should focus on the secondary market or the broader ticketing ecosystem, and whether the Office of Consumer Protection should be part of the task force or only consulted. The vice chair recommended passage with amendments adding the Office of Consumer Protection as a member and clarifying the consultation language, and the committee adopted that recommendation unanimously with one excused member.

Bills: SB2596, SB3002, SB3067

Keywords: government leases, state entities, real property, affordable leasing, budget impact, green infrastructure, urban development, sustainability, environment, climate change, public health, Hawaii State Planning Act, land records, registration, surveys, subdivision, Hawaii Revised Statutes, 912, senate, all

Summary: The joint committees on Water and Culture and the Arts and on Hawaiian Affairs heard SB 3173, which would create a cultural training pilot program in the Department of Land and Natural Resources, administered by DOBOR, for commercial permit holders operating in Lahaina Harbor. Testimony was largely supportive from Lahaina Strong, which said the bill responds to community concerns and would help commercial operators return with greater cultural understanding and respect. Supporters framed the measure as a way to rebuild Lahaina intentionally and strengthen relationships between industry and community. Opposition came from Trilogy Excursions and the Activities and Attractions Association of Hawaii. They said they already provide or encourage cultural education, but argued the bill as written is too broad, potentially mandatory, and could create hiring and operational problems for businesses trying to restart after the fire. They asked that any program be voluntary, collaborative, and practical, with clearer details on who must take the training, how often it would be offered, and how it would be coordinated. In response to questions, a witness said most operators would likely participate if the training were accessible and well-marketed, but that the harbor’s limited current operations and staggered rebuilding make timing important. After testimony and questions, the chairs said they appreciated the comments but wanted to move the bill forward without amendments because of a filing deadline, noting that timing and other issues could be worked out in later committees with DLNR, OHA, and stakeholders. Both committees then voted to pass SB 3173 unamended, with one member excused in each committee.

Transcript Highlights:

• climate change be measurable?
• So with climate change, would the effects that we see that one might attribute or one might not to climate
• change. might attribute or one might not to climate change be measurable.
• But the reality is, you have no provable damage from climate change.
• There was concern around climate change, but this bill obviously goes beyond the scope of climate change

Bills: HR1046, SB1733, SB1439

Keywords: Oklahoma City, terrorism, Alfred P. Murrah Federal Building, memorial, remembrance, first responders, community support, child abuse, reporting requirements, sexual misconduct, law enforcement, school personnel, confidentiality, student safety, fossil fuels, liability protection, climate change, energy independence, oil and gas

Summary: The House convened with prayer, the Pledge of Allegiance, and several special recognitions tied to the 31st anniversary of the Oklahoma City bombing. The chamber honored the 138th Fighter Wing Civil Engineer Squadron Fire Department as Veterans of the Week, and also recognized Dr. Camissa Stewart as Doctor of the Day and Tammy Powell as Nurse of the Day for their roles in the 1995 bombing response. A lengthy floor presentation followed, featuring remarks from legislators, Lieutenant Governor Matt Pinnell, memorial museum leaders, Justice Stephen Taylor, and Pastor Ronnie Fields, all focused on remembrance, the Oklahoma standard, the victims and survivors, and the importance of hope, civility, and the rule of law. On legislation, Senate Bill 1733 was presented and debated. The bill requires school personnel who have reason to believe a student is a victim of child sexual abuse or sexual misconduct to report it to law enforcement within 24 hours. Supporters said it clarifies and strengthens reporting requirements to protect children, while opponents warned it could trigger harmful public accusations and undermine trust in educators and administrators. The House passed the bill 92-1, and the emergency clause also passed 92-1. The House also considered Senate Bill 1439, an oil and gas measure intended to bar speculative climate-related lawsuits and limit liability to actual violations and provable harm. Supporters argued it would prevent frivolous litigation, protect the state’s energy economy, and keep costs down for consumers; opponents said it would create a special legal carve-out for industry and shift costs to taxpayers and families. The bill passed 74-16. In addition, Senate Bill 2184 was assigned to Rules, and H.J.R. 1078 and H.J.R. 1079 were withdrawn from Rules and sent to appropriations and budget committees. The House adjourned after announcements and introductions.

Transcript Highlights:

• Um, it had—I mean, so we've dealt with environmental climate crises, and we've had shelters put up.

Bills: SB2405, HCR19, HCR63, HCR85, HCR140, HCR166, HCR82, HCR98, HCR104, HCR106, HCR141, HCR165, HR20, HR57, HR77, HR132, HR156, HR74, HR90, HR96, HR98, HR133, HR155

Keywords: agricultural workforce, housing, Hawaii, working group, zoning, land use, financial incentives, tax credits, water conservation, infrastructure, public health, March4Water, water access, sustainable resources, Honopou Bridge, emergency access, wildfire risk, public safety, structural integrity, community outreach

Summary: The Water and Land Committee met on April 7 and heard testimony on several resolutions and one bill. SB 2405 SD1 HD2, relating to agricultural workforce housing, received support from the Department of Agriculture and Biosecurity, HFTC, and the Hawaii Farmers Union, and the committee later recommended passage as is; one member voted with reservations citing department cost and staffing concerns. The committee also heard HCR 19/HR 20 designating March as March for Water Month, HCR 63/HR 57 urging DLNR and DOT to clarify jurisdiction over Honouliuli Bridge, HCR 85/HR 77 on transferring parcels for the East Kapolei TOD project, HCR 140/HR 132 on vegetation management and fuel reduction in West Maui, HCR 166/HR 156 on identifying East Oahu lands for native Hawaiian tree planting, HCR 82/HR 74 on basic shelter standards for rapid deployment housing, HCR 98/HR 90 on a Honolulu housing pattern book, HCR 104/HR 96 on North Shore coastal trails, HCR 106/HR 98 on endorsing Waikiki as a world surfing reserve, HCR 141/HR 133 on Maui fire code enforcement, and HCR 165/HR 155 on permanent pickleball nets and lighting at Kamiloiki Community Park. Testimony was generally supportive on most measures, with several agencies and organizations submitting written comments or appearing in support. HCR 82/HR 74 drew the most discussion: the State Council on Developmental Disabilities supported the intent but asked that accessibility be considered on the front end, while another testifier opposed the resolution, arguing it could turn temporary emergency shelters into permanent substandard housing and should be deferred. Committee members discussed temporary versus permanent housing standards and accessibility, and the chair later said the measure would be amended to require permanent units to meet appropriate code standards and to note accessibility concerns in the committee report. On HCR 140/HR 132, DLNR testified that firebreak maintenance on its Waianae lands would be costly, and members noted funding and staffing implications. At the end of the meeting, the committee adopted the chair’s recommendations on the measures it voted on. SB 2405 was passed with a reservation from one member; HCR 19/HR 20, HCR 63/HR 57, HCR 85/HR 77, HCR 98/HR 90, HCR 104/HR 96, HCR 106/HR 98, HCR 141/HR 133, and HCR 165/HR 155 were passed unamended, while HCR 140/HR 132 was passed with reservations and HCR 166/HR 156 and HCR 82/HR 74 were passed with amendments. The committee then adjourned.

Bills: SB19, HB40, HB27, HB40, HB27, HB40, HB27

Keywords: contraceptive rights, healthcare access, civil action, Attorney General, contraception enforcement, prostate cancer, health insurance, screening, high risk, cost-sharing, African American men, savings accounts, catastrophe, emergency funds, financial security, state laws, criminal justice, parole, Board of Pardons and Paroles, risk assessment