Video & Transcript DataContr Research : 'fee schedule'
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TX
Texas 2025 - 89th Regular
Agriculture & Livestock Apr 1st, 2025 at 02:00 pm
House Agriculture & Livestock Committee
Transcript Highlights:
- Why should we be subject to $125,000 a year in licensing fees if we're not using pesticides or chemicals
- "1726" data-time="10350"> to pet parents with licensed certified veterinary professionals for a $20 fee
- They can't get to it because of their work schedule or because they can't afford the care if they can't
- Charge them an extra fee to come in at that particular moment.
Keywords:
agriculture, finance, young farmers, financial assistance, pest control, pest control, nuisance birds, local governance, regulation, outdoor activities, public safety, Rio Grande, vegetation management, border security, environmental regulation, Carrizo cane, agriculture, finance, young farmers, financial assistance
Summary:
The second bill, House Bill 3469, was introduced to address pest control regulations concerning nuisance birds. Representative Campos explained how the bill proposes non-lethal methods to deter these birds, such as the use of laser lights and sounds, which avoids conflict with both state and federal regulations. The committee heard impassioned testimonies from members of the public who shared firsthand experiences regarding the adverse effects of these birds on property and public health. The meeting concluded with both bills being left pending, reflecting a desire for further deliberation among the committee members.
TX
Transcript Highlights:
- and how these fees compare to the rest of the fees that cover the cost of regulation for the industry
- Currently, we charge no fees for all of our fees.
- We have never charged for these fees.
- I don't think that the fees you're talking about fit under that specifically.
- , not necessarily the surcharge, but the fee.
Keywords:
oil and gas waste, application fees, permit amendments, environmental regulation, Texas natural resources, SB1150, inactive wells, Railroad Commission, compliance plan, Senator Middleton, committee substitute, effective date extension, stakeholder engagement
Summary:
The Senate Committee on Natural Resources convened to discuss developments regarding SB1150, related to the plugging of inactive wells. Senator Middleton presented the committee substitute for the bill, detailing key adjustments, including extending the effective date by two years to September 2027 to provide operators and the Railroad Commission adequate time for implementation. The discussions sought to address concerns regarding compliance complexity, particularly for wells inactive for more than 15 years. The relaxed timeline was intended to mitigate an initial rush before escalating requirements were imposed on stakeholders. In addition to the new timeline, revisions were made to enhance the clarity of reporting standards for operators regarding inactive wells.
TX
Transcript Highlights:
- If a guest pays a fee to stay at a lodging property, that fee is subject to hotel occupancy taxes.
- ...that fee. An easy example would be a resort fee.
- taxes on that fee.
- But that fee, that fee, it's about 14 or 15% of the total booking charge.
- the fee.
Keywords:
child care, workforce resources, Texas Workforce Commission, employer support, parental assistance, Senate Bill 529, Midland, economic development, sales tax incentives, job creation, committee certification, public testimony, stakeholder support
Summary:
The meeting of the Senate Economic Development Committee featured substantial discussions around several key bills aimed at advancing various sectors in Texas. Notably, Senate Bill 529 was supported by multiple stakeholders, including the Mayor of Midland, emphasizing its importance in allowing the city to access sales tax incentives that could bolster economic growth. The committee unanimously recommended several bills for certification, indicating a strong consensus among members on the proposed legislation's benefits. The focus on job creation and supporting local economies was prevalent throughout the meeting.
TX
Texas 2025 - 89th Regular
Health and Human Services Apr 8th, 2025
Senate Health & Human Services Committee
Transcript Highlights:
- These are extra fees that are on top of doctor's fees.
- and the facility fee, are going...
- Am I charged a facility fee? Fee and my physician fee?
- Am I charged a facility fee?
- So your coverage would determine the facility fee and the professional fee; both of those are negotiated
Keywords:
mental health, psychiatric beds, healthcare data, hospital utilization, acute treatment, Texas Legislature, healthcare, facility fees, telehealth, patient notice, administrative penalty, third party payor, death records, vital statistics, healthcare, trauma facility, Medicaid, immunization, exemption, medical education
Summary:
The meeting of the Senate Committee on Health and Human Services primarily focused on several pieces of legislation aimed at improving mental health care in Texas, especially for vulnerable populations. Notable discussions were held around SB719, which seeks to conduct a comprehensive assessment of inpatient psychiatric bed capacity in Texas, addressing the significant shortages faced by facilities. There was widespread support from committee members and public testimonies praising the need for improved mental health resources and proactive measures to enhance service delivery. Witnesses highlighted the critical situation surrounding mental health admissions, emphasizing the human impact of ongoing bed shortages and the tragic consequences for patients awaiting treatment.
TX
Texas 2025 - 89th Regular
Intergovernmental Affairs Apr 8th, 2025 at 10:30 am
House Intergovernmental Affairs Committee
Transcript Highlights:
- , there is a mitigation fee, and that's for an environmental purpose.
- I know sometimes there's impact fees. Yeah, there are.
- cities can do certain fees, you know, impact fees to establish
- is the impact fees they pay.
- When we pay a Parkland fee, we have the choice of paying the fee to the city.
Bills:
HB158, HB714, HB1198, HB1630, HB1998, HB3509, HB3788, HB3875, HB3948, HB3977, HB4097, HB4313, HB4314, HB4317
Keywords:
housing, veterans, surplus government property, affordable housing, funding sources, housing assistance, homeless prevention, landlord incentives, rural housing, domestic violence, community development, tenant readiness, landlord incentives, housing assistance, homeless prevention, program participants, financial assistance, housing assistance, homelessness, landlord incentives
Summary:
The meeting of the committee addressed multiple bills focusing primarily on local government regulations concerning environmental policy and spending practices. Notably, HB4313 and HB4314 were discussed, with advocates expressing concerns about the overreach of local governments in implementing stringent environmental regulations that might impact efficiency and cost-effectiveness. Testimony included perspectives from organizations like the Texas Public Policy Foundation, emphasizing that local governments should focus on practical criteria rather than subjective social governance measures, particularly in contracting processes.
TX
Transcript Highlights:
- I know you have a busy schedule, but Senator Zaffirini laid this out perfectly, so I'll just entertain
- No one is scheduled for public testimony.
Bills:
SB127, SB456, SB482, SB659, SB739, SB816, SB1234, SB1666, SB1886, SB1980, SB2580, SB2611, SB2693, SB2776
Keywords:
child abuse, reporting obligation, statute of limitations, negligence, legal professionals, human organs, criminal penalties, physician license, medical ethics, illegal trade, smuggling, human trafficking, criminal penalties, felony offenses, law enforcement, restitution, victims, criminal justice, unclaimed property, court payments
Summary:
During the meeting, several critical bills were discussed with emphasis on public safety and ethical legislation. Notably, SB456 aimed to increase penalties for illegal organ purchases and trafficking was presented and discussed thoroughly, where members raised concerns about the current low-level misdemeanor classification of such offenses. Public testimony was sought, with support and opposition being voiced, highlighting the bill's relevance in addressing urgent ethical issues surrounding organ trade. Furthermore, SB476 focused on legislative measures that enhance officer safety amid rising incidents of violence against law enforcement in Texas, drawing passionate support from various stakeholders, including local police representatives. These topics underscored a broader commitment to reforming policies for public safety and ethical enforcement in the Lone Star State.
TX
Transcript Highlights:
- , the primary sources of revenue generally come from three areas: property taxes, sales taxes, and fees
- This timeline keeps tax calculations on schedule and prevents
Bills:
HB511, HB972, HB1035, HB2481, HB2723, HB2742, HB2894, HB2962, HB3077, HB3093, HB3307, HB3684, HJR67, HJR72
Keywords:
ad valorem taxation, caregiver exemption, Medicaid, long-term services, tax relief, assisted living, housing support, property tax exemption, caregiver support, Medicaid, residence homestead, tax relief, long-term services, tax exemption, unpaid caregiver, long-term services, Medicaid, residence homestead, state tax code, tax exemption
Summary:
The meeting of the committee explored various bills with significant discussions centered around House Bills like HB8, HB2723, and HB3093. Members expressed concerns about the financial implications of property tax assessments and the impact of unjust appraisals on local government budgets. Representative Cunningham highlighted the urgency of addressing the discrepancies in property tax laws as they relate to non-profit cemeteries, pointing out historical injustices that have led to the loss of community burial sites. Meanwhile, the discussions on HB3093 revolved around ensuring fair taxation practices to reduce financial uncertainties for local governments, emphasizing the need for realistic revenue calculations in budget projections. The committee actively invited public testimonies, illustrating the widespread interest and implications of these legislative efforts.
TX
Transcript Highlights:
- Under current law, a property purchaser may request a tax certificate from the tax collector for a $10 fee
- If the school district is on the schedule, they will be appraised probably about six months later, and
Bills:
HB249, HB1186, HB2313, HB2408, HB2508, HB2730, HB2974, HB3045, HB3232, HB3336, HB3710, HB4044, HB4236, HJR133
Keywords:
ad valorem taxes, property taxes, homestead exemption, disabled veterans, senior citizens, tax payments, installment payments, municipal tax revenue, hotel, convention center, tax code, economic development, local government, municipality, tax revenue, qualified projects, economic development, local government, municipal taxation, hotel project
Summary:
The Committee on Ways and Means convened to discuss several proposed bills, including HB4044, HB103, and HB3045, focusing on tax reform and support for local development initiatives. Representative Troxler introduced a committee substitute for HB103, which was subsequently adopted without objection, demonstrating consensus on its merits. HB3045 sought to incentivize spaceport operations with franchise tax breaks for contracts related to the Department of Defense, emphasizing Texas's commitment to lead in the aerospace industry. The meeting concluded with discussions around the importance of the Property Value Study (PBS) and its impact on equitable taxation, with members addressing concerns about the effective administration of property appraisals and future legislative actions.
TX
Texas 2025 - 89th Regular
S/C on Telecommunications & Broadband May 2nd, 2025 at 09:05 am
House S/C on Telecommunications & Broadband
Transcript Highlights:
- It's analogous to a user fee.
- dollars in fees.
- PEG fees, public access television fees.
- For Austin, our franchise fees in 2014 were $36.7 million.
- That's five billion per year in right-of-way fees and another million in the PEG fees.
Keywords:
broadband, internet access, digital equity, tax reduction, government funding, broadband, rural counties, fiber-optic, internet access, state funding, infrastructure, digital divide, economic development, fiber-optic cable, excavation, utilities, civil penalties, municipal regulations, infrastructure, video services
Summary:
The meeting of the Subcommittee on Telecommunications and Broadband included significant discussions surrounding Senate Bill 924, which addresses cable service providers and their financial obligations related to franchise fees. Council Member Julian Ramirez opposed the bill, emphasizing its potential fiscal impact on cities like Houston and Austin by restricting franchise fee collections, thus threatening vital public services funded by these fees. Public testimony supported his stance, highlighting the financial realities these cities face, particularly in maintaining public safety and infrastructure.
TX
Texas 2025 - 89th Regular
Water, Agriculture, and Rural Affairs Mar 3rd, 2025
Transcript Highlights:
- It happens a lot, depreciation schedules. I got stuff on some depreciation schedules from 1920.
Keywords:
Texas Water Day, water management, public utilities, emergency response, Senate Bill 790, SB971, SB1066, community projects
Summary:
The Senate Committee on Water, Agriculture, and Rural Affairs convened to discuss multiple key pieces of legislation focused on water management, emergency response, and related matters commemorating Texas Water Day. Notably, Senate Bill 790, introduced by Senator Alvarado, seeks to implement a simplified resolution process for tenant complaints regarding water discrepancies, which could reduce lengthy administrative hearings. During the session, several bills were passed without opposition, including SB971, which cleaned up inconsistent definitions related to rural political subdivisions, and SB1066, which amended payment and performance bond thresholds, promoting more local vendor access for community projects. The discussions revealed the committee's intent to streamline processes and better address the ongoing challenges faced in water management and emergency services, which are becoming increasingly critical in the face of climate change and resource scarcity.
TX
Texas 2025 - 89th Regular
89th Legislative Session May 31st, 2025 at 02:05 pm
Texas House Floor Meeting
Transcript Highlights:
Members, we're going back to the regularly scheduled
- span> the language in A-1 to make certain that property as well as fee
- implementation, the complained of section contains two exceptions to the awarding of costs and attorney's fees
Bills:
SB1637, SB1, HB300, SB2601, SB37, HB2011, HB3595, HB3071, SB12, HB3372, SB457, HB2067, SB2337, SB447, SB1506, SB1566, SB763, HB3556, SB13, SB2018, SB331, SB379, HB145, SB441, SB2878, HB2885, HB2017, HB5246, SB8, SB2308, SB1540, HB119, SB1405, SB3059, SB15, SB568
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, scholarship, military, higher education, ROTC, Texas Armed Services, landowner compensation, border crime, agriculture damage, law enforcement, crop loss, higher education, curriculum review, governing board, faculty council
Summary:
The meeting involved extensive discussions around several key bills, with highlights focused on the implications of SB12, which emphasized the Texas Parent Bill of Rights. Members debated its potential impacts on educational practices, particularly concerning diversity and inclusion efforts in schools. Concerns were raised about how the removal of DEI programs could adversely affect students with disabilities, particularly those on the autism spectrum. Additionally, SB1506 was addressed, with a significant change proposed to include stricter regulations regarding fentanyl possession, reflecting ongoing concerns about substance abuse in the community.
The meeting was well-attended, featuring participation from multiple representatives expressing opinions regarding these bills. The chair recognized various members to provide input, and all discussions culminated in multiple votes on the proposed conference committee reports. The atmosphere was charged as representatives weighed the consequences of these legislative actions on their constituents. In conclusion, the committee successfully adopted multiple measures and set the stage for further engagement on the legislative agenda ahead.
TX
Transcript Highlights:
- It also provides for court costs and attorney fees.
- We've gotten used to the fee, but the fees on these crypto machines are...
- Chairman, regarding the fees, so the Regarding the fees,
- facility fees or banking fees, etc.
- Back to the fee again.
Keywords:
real property, Texas State Library, leases, capital improvements, public accessibility, combative sports, licensing, regulation, criminal offense, event approval, advisory boards, Texas Department of Licensing and Regulation, public members, occupational regulations, professional standards, fraudulent financing, secured transactions, business regulation, lending institutions, affidavit process
Summary:
The meeting of the Senate Committee featured extensive discussions centered around numerous bills, with a particular focus on Senate Bill 1705 concerning virtual currency kiosks. During this discussion, members expressed concerns regarding the potential for fraud and the need for regulation surrounding cryptocurrency exchanges. Testimonies from law enforcement emphasized the increase in fraud cases associated with these kiosks, leading to a consensus on the need for consumer protection measures. The committee favorably reported several other bills with unanimous votes, showcasing a collaborative effort amongst senators to address various legislative concerns effectively.
TX
Transcript Highlights:
- ...attorney's fees.
- So the law recognizes that you can get your attorney's fees back to be made whole.
- In some cases, like in the insurance code, attorney's fees are awarded as a penalty.
- And then what are the fees that you're going to be asking for?
- At the end of the day, attorney's fees can be substantial.
Bills:
SB38, SB287, SB291, SB292, SB508, SB618, SB901, SB1436, SB1494, SB1626, SB1719, SB1999, SB1333
Keywords:
evictions, property law, tenant rights, landlord responsibilities, justice court, court rules, eminent domain, property acquisition, landowner's rights, public use, condemnation procedure, election procedures, civil penalty, public officials, voter rights, election integrity, elections, local governance, political subdivisions, general elections
Summary:
The meeting addressed several key pieces of legislation, including SB1626, which proposes to enhance Texans' ability to pursue legal action against social media platforms for censorship. The bill aims to provide statutory damages, making it easier for individuals to protect their free speech rights. Testimonies were heard from various public representatives expressing support for the bill, emphasizing its importance in maintaining free speech in the digital age. Other bills discussed included SB1719 and SB1494, each receiving varying levels of scrutiny and support.
TX
Texas 2025 - 89th Regular
Trade, Workforce & Economic Development May 7th, 2025 at 08:05 am
House Trade, Workforce & Economic Development Committee
Transcript Highlights:
- It's an annual fee, and it's about $475. Okay, gotcha.
- , processing fees, rush fees, document assembly fees, document preparation fees, or other creative labels
- Resale certificate fees are generally paid by the buyer, not the seller, right?
- In some cases, they charged contingency fees for work never performed.
- Attorney's fees should they lose.
Bills:
HB1087, HB2504, HB4113, HB5144, HB5146, HB5377, HB5543, SB140, SB264, SB1244, SB1343, SB2121, HR868
Keywords:
property owners, board vacancy, special election, association governance, community management, property owners' association, resale certificate, fees, real estate regulation, homeowners, fraudulent filing, financing statement, secured transactions, Business & Commerce Code, legal liability, affidavit, termination statement, filing office, court action, data broker
Summary:
The Committee on Trade, Workforce and Economic Development convened to discuss a range of bills addressing workforce policies, business practices, and data privacy issues. A highlight was the presentation of HB5146, aimed at expanding subsidized childcare eligibility to include parents pursuing non-credit workforce training, which drew significant support from both committee members and witnesses. Additionally, SB2121 was introduced to rectify clerical errors within the data broker law, ensuring better consumer protections around the collection and use of personal data. Various other bills saw quick passages with unanimous support, reflecting broad agreement among members regarding workforce development and operational efficiency.
TX
Transcript Highlights:
- It was conveniently mislabeled as a Schedule I drug, and now it's caught in the web of politics and the
- So it's on Schedule 1. Why is it on Schedule 1, or how did it get on Schedule 1?
- For that reason alone, it was classified as Schedule 1.
- We need to have a medical necessity to come off of that scheduling.
Erin Vesely was scheduled to testify on behalf of
Keywords:
cremation, natural organic reduction, health and safety, environmental concerns, funeral services, medical licensing, physician graduates, healthcare access, occupational licensing, foreign medical graduates, cell-cultured protein, food safety, human consumption, agriculture, food labeling, healthcare workforce, advisory board, Texas Workforce Commission, resource guide, education collaboration
Summary:
The meeting of the public health committee focused on the pressing issue of opioid addiction in Texas, with a particular emphasis on House Bill 3717. Chairman Harris detailed the bill's intent to fund a grant program for Ibogaine clinical trials, framing it as a critical response to the ongoing opioid crisis. He shared poignant testimonies highlighting the struggles of families and veterans battling addiction and mental health issues. The conversation underscored the necessity of innovative treatments, like Ibogaine, which showed promising results in studies for reducing symptoms of withdrawal and PTSD.
TX
Texas 2025 - 89th Regular
Criminal Jurisprudence Mar 4th, 2025 at 10:30 am
House Criminal Jurisprudence Committee
Transcript Highlights:
- A restricted schedule typically for us now looks like this
- : when we have call-ins, if I have a swath of call-ins, then I'm going to limit scheduling and reduce
We aim for a 14-hour schedule, and that dark blue means
- we are hitting the 14-hour schedule.
Yes, we can get you a copy of the 14-hour schedule,
Keywords:
juvenile justice, staffing shortages, youth violence, mental health, Texas Juvenile Justice Department, funding
Summary:
The meeting of the Texas Juvenile Justice Committee focused on addressing key issues within the juvenile justice system, particularly outlining a severe staffing shortage that impacts service delivery to youth in secure facilities. The Director of the Texas Juvenile Justice Department presented significant findings, including a spike in violence among youth and a concerning increase in youth with heightened aggressive behaviors and mental health needs. The committee emphasized the urgent need for additional staffing and funding to enhance the living and working conditions in juvenile facilities and ensure adequate programming for the youth involved.
TX
Transcript Highlights:
- stating that the presiding judge has sole authority in assigning work duties and developing the schedule
- schedule, which I find to be a problem because you can manipulate
- the number of people at the polling location when you're in charge of the schedule.
Keywords:
early voting, electronic application, mail-in ballot, voting accessibility, senior citizens, Texas Election Code, electronic voting, election audits, voting integrity, election code, manual count, risk-limiting audit, voter registration, interstate notification, election code, voter registrar, data sharing, voting, election integrity, tabulation equipment
Summary:
The committee meeting centered on various bills addressing election integrity and transparency. Key discussions included HB5256 which aims to regulate the number of polling places in representative districts, gaining favorable votes after the adoption of a committee substitute. Additionally, HB4288 was presented, focusing on the public inspection of election records, which unfortunately failed to gain support. Noteworthy was SB827, which sought to introduce a more robust auditing process for electronic voting systems, fostering a substantial public testimony segment with both support and opposition evident. The atmosphere was characterized by critical debates on ensuring the democracy and accountability of the electoral processes in the state, reflecting public concerns about election security and accessibility.
TX
Texas 2025 - 89th Regular
Licensing & Administrative Procedures Apr 8th, 2025 at 10:30 am
House Licensing & Administrative Procedures Committee
Transcript Highlights:
- And I was actually quite surprised that still, storage fees and notification fees were in fact regulated
- for impound and storage fees.
- notification fee.
- Typically, these fees have been frozen in statute for 14 years, and when the fees were
- Say the fee is $1,500.
Bills:
HB679, HB1764, HB1788, HB2186, HB2204, HB2418, HB2885, HB2983, HB2996, HB3250, HB3352, HB3756, HB3816, HB3913, HB3928, HB4077
Keywords:
environment, regulation, land use, public health, community development, alcohol, Sunday sales, local option election, Texas, business hours, alcohol sales, local option election, Sunday sales, liquor, off-premise consumption, Sunday sales, liquor, local option election, alcoholic beverages, off-premise consumption
Summary:
The meeting was marked by thorough discussions regarding several pivotal bills aimed at addressing safety and regulatory reforms within various sectors. Notably, House Bill 3352 was a focal point, where industry representatives highlighted the urgent need for enhanced driver safety training in work zones due to a rise in fatalities. Supporters argued that including work zone safety in driver education programs could significantly improve awareness and reduce accidents. Additionally, House Bill 2186 drew scrutiny from small business owners who expressed concerns about the regulatory burden it would impose on electricians and the potential impact on employment within the industry. Despite the commitment to improve safety, stakeholders warned of unintended consequences that could affect operational viability for non-signatory firms.
TX
Texas 2025 - 89th Regular
S/C on Property Tax Appraisals Apr 17th, 2025 at 10:04 am
House S/C on Property Tax Appraisals
Transcript Highlights:
- Both attorney fees and costs. Both. Okay. Thank you very much.
- So, this bill would allow fee awards to entities that...
- If something goes wrong and we lose the case, do I have to pay their attorney's fees?"
- So those tax consultants would be at risk for those attorney's fees.
- And many of those tax consultants also work on a contingency fee basis.
Keywords:
county appraisal district, board of directors, governance, taxing units, public representation, penalty, property report, taxation, timely filing, chief appraiser, appraisal district, ad valorem tax, property appraisal, tax protests, unequal appraisal, property rights, property tax, public employees, protest leave, appraisal review board
Summary:
The meeting addressed multiple pieces of legislation related to property appraisal, primarily focusing on HB1952, HB4703, and HB3524. There was a lively discussion surrounding HB1952, which proposes to increase the number of elected members on appraisal boards, aiming to enhance transparency and accountability. Public testimony included varied perspectives, with residents expressing a desire for more representation in appraisal decisions, while some members voiced concerns about the potential politicization of these boards. The committee left the bill pending for further scrutiny, indicating the complexity of the subject matter and the differing opinions within the community.
TX
Texas 2025 - 89th Regular
Trade, Workforce & Economic Development Apr 30th, 2025 at 08:04 am
House Trade, Workforce & Economic Development Committee
Transcript Highlights:
- may have a service fee, they may have a health care fee.
- I'm sure they're going to come with a tariff fee.
- a mandatory tip fee, you pay a 3% convenience fee, a 3% healthcare
- fee, and knows what on a tariff fee.
All those fees add up, and fees are just taxes.
Bills:
HB1958, HB2031, HB2879, HB3285, HB3995, HB4487, HB4558, HB4560, HB4876, HB4899, HB5212, HB5317, HB5543, HB5567, SB1333
Keywords:
firearm possession, tenant rights, landlord regulations, civil penalties, property code, justified use of force, deadly force, property rights, tenant rights, landlord regulations, home defense, smart devices, data privacy, personal data collection, user consent, mobile application, data transparency, online sales, clothing, bot usage
Summary:
The Committee on Trade, Workforce, and Employment held a meeting focused on various bills related to workforce development, consumer protection, and business regulations. Notably, HB5317, aimed at establishing a self-insured retention fund to lower insurance costs for state agencies, received significant attention, with discussions on its potential fiscal benefits. The committee also reviewed bills concerning unemployment benefits, regulation of food service surcharges, and property rights for homeowners, particularly in the context of water conservation amid ongoing drought conditions. Public testimony highlighted concerns over transparency in mandatory fees charged by food service establishments, with stakeholders advocating for clearer disclosures to protect consumer trust.