Video & Transcript DataContr Research : 'property and casualty'
Page 35 of 62
TX
Texas 2025 - 89th Regular
89th Legislative Session Feb 12th, 2025 at 10:02 am
Texas House Floor Meeting
Transcript Highlights:
- Speaker and members.
- for the opportunity to serve you and our brothers and sisters.
- , and to promote and protect the fullness of human life and dignity.
- It is to honor and present this resolution as a testament to his life and to ensure that his name and
- areas, and are responsible for the prosperity and progression of our counties and our surrounding counties
Keywords:
legislation, public safety, educational reforms, funding allocations, stakeholder insights
Summary:
The committee meeting revolved around a variety of legislative matters, with significant emphasis placed on ongoing debates surrounding public safety initiatives and educational reforms. Members expressed diverse perspectives, particularly on how proposed amendments might impact local communities. A number of stakeholders offered insights, highlighting both potential benefits and drawbacks associated with the new policies being discussed. Notably, there were discussions regarding funding allocations and their implications for state resources.
TX
Texas 2025 - 89th Regular
Natural Resources Apr 2nd, 2025 at 10:30 am
House Natural Resources Committee
Transcript Highlights:
- It's a local bill, and it passed the House and the Senate last
- And this will allow us to keep up with the growth and development
- of property tax reform, and the governor said it's a great
- bubble and use that water.
- I do request this be sent to the local and consent calendar. And with that, I close.
Keywords:
water infrastructure, Texas Water Development Board, financial assistance, water supply projects, rural municipalities, water access assessment, aquifer storage, Edwards Aquifer, water injection, environmental regulations, groundwater management, San Antonio River, pollution control, flood management, water quality, conservation district, bonds, utility rates, ratemaking, water services
Summary:
The meeting primarily focused on the consideration of several water-related bills, including HB1618, HB2970, HB3609, and HB3628. Representative Harris introduced HB1618, which aims to facilitate aquifer storage and recovery projects in Williamson County to support growth and address drought issues. Multiple witnesses testified in favor of the bill, emphasizing the need for effective water management in a rapidly growing area. The discussion highlighted the increasing water demands along the I-35 corridor. Representative Paul advocated for HB2970, which codifies navigation safety measures for the Houston Ship Channel, a vital component for Texas's economy. This bill is linked to a major federal project intended to protect against storm surges while ensuring two-way traffic on the channel.
TX
Texas 2025 - 89th Regular
S/C on County & Regional Government May 5th, 2025 at 10:05 am
House S/C on County & Regional Government
Transcript Highlights:
- My closest neighbor that's making noise is two and a half acres away, and I still get kept up and my
- And then the minute...
- personal property.
- It only covers real property and personal...
- And why?
Keywords:
parking, county courthouse, infrastructure, local government, public safety, housing, homelessness, county fee, housing initiatives, local government, emergency shelter, rapid rehousing, Texas legislation, constable, salary assistance, grants, rural law enforcement, law enforcement funding, noise regulations, county authority
Summary:
The committee meeting convened to address a series of bills aimed at enhancing public safety, addressing homelessness, and improving governance associated with county purchasing agents. Key discussions revolved around HB3205, which seeks to implement a County Housing First Initiative to combat homelessness by allowing counties to create a dedicated funding source for such initiatives. Representative Campos presented compelling evidence supporting the efficacy of Housing First programs, citing substantial improvements in housing stability and quality of life for participants. The bill received favorable testimonies from various stakeholders, emphasizing its crucial role in tackling homelessness in Texas.
TX
Transcript Highlights:
- committee team for working with us to hear this bill, and of course your committee members and their
- Chairman and members.
- And with that, I'm happy to try and answer any questions. We need more warships.
- Since he's got the mic, I'll just go ahead and do my last one, and then we'll do yours.
- Chairman and members.
Keywords:
expedited service, business records, veteran-owned businesses, franchise tax, fee schedule, surplus vehicles, law enforcement equipment, school districts, Texas Facilities Commission, economically disadvantaged areas, warship manufacturing, national security, economic growth, job creation, shipbuilding, Taiwan, U.S. relations, trade, economic cooperation, sister-state
Summary:
The meeting centered around several significant bills and resolutions, with a focus on supporting veteran-owned businesses and the manufacturing industry in Texas. The discussion led to the adoption of committee substitutes for multiple bills, including HB346 and HB5596, which aimed to streamline business processes and support local communities by reporting on municipal hotel occupancy tax revenues. Notably, HCR127 emphasized the importance of the relationship between Texas and Taiwan, highlighting trade partnerships and mutual benefits for both regions. Public testimony was minimal, which may have contributed to a swift passage of many measures without contention.
TX
Texas 2025 - 89th Regular
Criminal Jurisprudence SC New Offenses and Changed Penalties Apr 24th, 2025 at 08:04 am
Transcript Highlights:
- Chair and members.
- Checks are often washed and rewritten for a change of payee and amount.
- respect for property rights.
- environments, and created safety risks for zoo staff, visitors, and the public.
- Fish and Wildlife, USDA, Texas Parks and Wildlife, and other organizations to save species.
Keywords:
animal facilities, trespassing, HB1720, public testimony, HB2593, indecent assault, HB4414, mail theft, elderly protection, disabled individuals
Summary:
The committee meeting focused on several critical pieces of legislation, including discussions around HB1720, aimed at enhancing the security of animal housing facilities to prevent unauthorized trespassing. Representative Gerben-Hawkins emphasized the bill's importance in protecting both the animals and the safety of facilities. The discussion highlighted personal accounts, including a notable incident involving a break-in at the Dallas Zoo, underscoring the urgency of implementing stricter penalties for trespassers in these settings. The bill aims to classify such trespassing as a jail felony or even a third-degree felony depending on the circumstances of any harassment towards the animals involved.
Additionally, HB2593 was brought up, proposing to increase penalties for indecent assault against the elderly and disabled, reflecting a growing concern for the safety of vulnerable populations. The committee also discussed HB4414, which addresses mail theft related to checks and introduces offenses for the theft of mail keys. The meeting was well-attended, with ample public testimony supporting these legislative measures, indicating a strong concern from the community about animal welfare and protection for vulnerable citizens.
TX
Texas 2025 - 89th Regular
Trade, Workforce & Economic Development May 21st, 2025 at 08:05 am
House Trade, Workforce & Economic Development Committee
Transcript Highlights:
- And...
- stuff and sign up for things, and so that would be right at the beginning, and they'll...
- Our religious liberties are a basic and essential human right, and holding and exercising one's beliefs
- fees and all these things, and we're creating our own," and they...
- that all Texans have to own property and build wealth.
Keywords:
discrimination, trade association, membership rights, professional organizations, freedom of speech, discrimination, professional association, trade association, membership rights, freedom of speech, social media, bot accounts, misinformation, disclosure, civil penalty, Texas legislation, Economic Development, SB315, SB584, SB7105
Summary:
The meeting of the Economic Development Committee was marked by a series of important discussions surrounding a range of bills, including SB315, SB584, and SB7105. SB2670, which aims to protect businesses from misleading solicitations, was highlighted during the session, where its provisions were debated among committee members. Additionally, SB2637 was presented to tackle misinformation disseminated on social media platforms. Witnesses provided insights into the implications of these bills, specifically focusing on consumer protection and the balance between technological advancement and public safety. The chair urged thoughtful consideration of the bills in the context of their impact on both businesses and residents of the state.
The meeting concluded with a call for further analysis of several key bills that were left pending, indicating strong interest in ensuring that legislations align with public interests while addressing modern challenges posed by technology and misleading practices. Attendance was robust, with committee members actively engaging with witnesses and each other to ensure comprehensive discussions were had. Notable commentary emphasized the need for regulations to adapt to the evolving digital landscape and protect citizens from dishonest business practices.
TX
Transcript Highlights:
- ...and decreased crash-related medical and property costs.
- and.
- ...of property owners and small businesses along the corridor
- And it is, and it would be in the general.
- , and develop that property.
Bills:
HB535, HB2120, HB2822, HB3243, HB3457, HB3544, HB4089, HB4192, HB4669, HB4868, HB4955, HB5253, HB5669, SB1371, SB1919, SB2001
Keywords:
motor vehicle, pedestrian, bicycle, traffic safety, municipality, criminal offense, motor vehicle, pedestrian safety, bicycle, traffic regulations, municipal law, pedestrian safety, bicycle regulations, motor vehicle passing, traffic law, municipalities, motor vehicle, pedestrian safety, bicycle operation, traffic laws
Summary:
The meeting focused on various transportation-related bills, including discussions around essential infrastructure for flood control, electric bicycles, and safety measures for cyclists. Representative Martinez introduced HB3544, highlighting the flooding issues in the Rio Grande Valley and the need for proper stormwater management. The bill garnered attention as it addresses urgent concerns for local emergency services and community safety. Additionally, CSHB4089 outlined regulations for electric bicycles in state parks, promoting access and safety for all park-goers. There was a significant public turnout, with testimonies both in support and against various proposed bills, reflecting community engagement and interest in transportation safety.
TX
Texas 2025 - 89th Regular
Criminal Justice (Part I)Audio only. May 27th, 2025
Senate Criminal Justice Committee
Transcript Highlights:
- to equip law enforcement vehicles with bullet-resistant components such as windshields, side doors, and
- I appreciate you listening to HB 2217 and giving it your consideration.
- like cryptocurrency, online fraud, or intellectual property theft.
- aims to help pursue crimes and seek justice on behalf of victims by updating our venue statute.
- in place for crimes such as fraud, identity theft, and credit card abuse.
Bills:
HB2217
Keywords:
law enforcement, bullet-resistant, grant program, safety equipment, peace officers, HB2217, HB2594, law enforcement, public safety, cybercrime, legislation, Senate Committee on Criminal Justice
Summary:
The meeting of the Senate Committee on Criminal Justice was convened by Chair Flores and involved the discussion of two significant bills: HB2217 and HB2594. HB2217 was presented by Senator Higginbotham, establishing a grant program to equip local law enforcement vehicles with bullet-resistant components. The purpose of this legislation is to enhance officer safety amid rising violence against law enforcement personnel, as it aims to reduce fatalities caused by gunfire. The bill was favorably reported to the full Senate with unanimous support from committee members, indicating strong approval for initiatives aimed at law enforcement safety. Public testimony for the bill was minimal as no speakers registered for or against it.
TX
Transcript Highlights:
- And so I'm.
- And so...
- And why?
- ...group, husband and wife, bought some property and wanted
- Around 200 of these posts possess a TABC license to help pay for property and other building expenses
Keywords:
social media, children, account verification, data privacy, parental control, financial crime, card fraud, motor fuel theft, law enforcement, criminal activity, skimmers, prevention, training, biological sex, government information, definitions, sex-based distinctions, public health, federal directives, state authority
Summary:
During this meeting, the committee engaged in in-depth discussions on several legislative proposals, focusing primarily on HB201, HB796, and HB2702. A key highlight was the debate on HB2702, where Senator Hinojosa detailed the bill's modifications aimed at supporting VFW posts and their critical services to veterans. The legislation seeks to exempt these posts from certain closure restrictions during emergencies, underlining the necessity of keeping veteran support structures readily available. The committee also heard public testimony, where stakeholders expressed strong support for the bill's potential impact on veteran communities.
TX
Texas 2025 - 89th Regular
89th Legislative Session Mar 4th, 2025 at 02:00 pm
Texas House Floor Meeting
Transcript Highlights:
- And the prohibitions against murder, theft, adultery, and cruelty against women and all living creatures
- We have folks from North Texas and Dallas, and many from Houston, League City, and Round Rock.
- Salivar, and Ms.
- and our...
- owners' associations to regulate the assembly and speech of property owners and residents.
Keywords:
legislation, constitutional amendments, taxation reforms, public testimony, mental health, Ketamine Treatment Grant Program, daylight savings time
Summary:
The committee meeting predominantly focused on a multitude of bills concerning various legislative amendments. Key discussions included the pros and cons of constitutional amendments, such as one by Schofield proposing year-round daylight savings time, and issues around taxation reforms highlighted by various members. The committee engaged in vibrant discussions, inviting public testimonies from both supporters and opponents of several bills, emphasizing the importance of community input in legislative processes. Notably, there were extensive debates on HB720, which pertains to the Ketamine Treatment Grant Program for veterans and first responders, underscoring the significance of mental health legislation. Members expressed their concerns about implementing the program effectively while ensuring adequate funding and oversight.
TX
Texas 2025 - 89th Regular
Health and Human Services May 23rd, 2025
Transcript Highlights:
- of vandalism of personal property of employees and caseworkers.
- state, and they give of their time and effort.
- With telemedicine and teledentistry and everything tele-expanding...
- , and that there were teeth that were actually mobile and loose.
- Thank you for all your years of service and for this committee, and thank you to Dr.
Keywords:
health care, HIV testing, STD screenings, children's safety, intellectual disabilities, employee protections, legislative measures
Summary:
The meeting of the Health and Human Services Committee covered a variety of bills primarily focused on health care service enhancements and legal protections for employees. A notable discussion surrounded HB50, which aims to integrate HIV testing into routine STD screenings, a topic that received unanimous backing due to its potential to reduce the transmission of the virus. There was also significant dialogue around HB2399, which requires courts to provide detailed findings when making safety determinations regarding children's placements, further ensuring transparency and clarity in decision-making processes. The committee deliberated on various aspects of health care accessibility, particularly regarding individuals with intellectual and developmental disabilities, as well as legislative measures to protect family services workers from damages caused in the line of duty. The session was characterized by thoughtful engagement from committee members and testimonies from various stakeholders.
TX
Transcript Highlights:
- up and up, and sometime it has to be done.
- all this stuff and box it up and store it somewhere?'
- cost is just going to continue to go up and up and up.
- There's it's basically a third for museum-related improvements and then the rest for the other properties
- and Performance and Fiscal Policy for Texas 2036.
Bills:
SB1
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, budget recommendations, Texas Facilities Commission, border security, cybersecurity, Governor Abbott, operational efficiency
Summary:
The meeting focused on several critical budget recommendations for various state agencies, including the Texas Facilities Commission, which proposed significant funding changes. Chair George Purcell highlighted a reduction in appropriations, along with the introduction of new funds aimed at refurbishing the Rudder Building and supporting facilities operations. Discussions also touched on border security, where it was reported that Governor Abbott formally requested congressional support to reclaim $11 billion in funding for Texas operations. The ongoing dialogue regarding the maintenance and responsibilities relating to border wall constructions was emphasized, noting the complexity and the need for clear allocation of responsibilities as discussions with federal authorities develop.
Throughout the meeting, there were notable conversations about operational efficiencies, particularly in the context of expanding cyber threats and the need for improved cybersecurity measures at state agencies. Members engaged in deliberating the future hiring of staff and resources necessary for maintaining effective service delivery amidst increasing demand. The discussions concluded with a commitment to keeping an open line with constituents regarding the implications of these funding decisions and the overall strategic direction of the agencies involved.
TX
Texas 2025 - 89th Regular
Water, Agriculture, and Rural Affairs Mar 31st, 2025
Transcript Highlights:
- Devastate local communities, destroy property, and strain emergency
- And of course, I have a wind and solar siting bill, and it's.
- These buffer zones are within our property line, and they're taking significant acreage that we have,
- going on and on and on.
- Protect all buildings, facilities, and property owned by
Keywords:
Senate Bills, agriculture, public health, fire safety, committee substitutes, legislative updates
Summary:
The meeting was convened to discuss various Senate Bills, focusing on issues pertinent to agriculture, environment, and public health. Notably, Senator Perry spearheaded discussions on SB1247 and SB1948, emphasizing the need for committee substitutes to adapt the bills to recent legislative requirements. SB1948, in particular, was introduced to exempt agricultural structures from certain fire safety regulations, reflecting concerns among agricultural producers regarding compliance costs. Multiple members supported this legislation, highlighting the impact on the agricultural sector's operational viability.
TX
Texas 2025 - 89th Regular
Delivery of Government Efficiency Apr 23rd, 2025 at 10:04 am
House Delivery of Government Efficiency Committee
Transcript Highlights:
- agencies sunset all of their rules every 12 years and go back and actually justify each and every rule
- and stomp on other rights of property owners and rights of
- For the school districts, we require this as a property tax increase on their bond elections and ballot
- oil and gas to cattle, public broadcasting to veterinary and medical mental health, energy, and home
- And so...
Keywords:
constitutional amendment, fiscal impact, state budget, ballot measure, transparency in voting, management-to-staff ratio, state agencies, employee regulations, government efficiency, workforce management, public information, governing board, transparency, confidentiality, access rights, privacy, identifying information, state agency, consent, occupational license
Summary:
The meeting of the committee was marked by discussions surrounding multiple bills, including HB3719, which concerns the public disclosure of dates of birth, and HB5196, aimed at allowing state agencies to approve telework plans for employees. The chair moved for HB3719 to be reported favorably to the full house, which passed with a vote of 10 in favor and one against. Similarly, HB5196 was favorably reported without objections. A significant focus was placed on increasing digital modernization for state agencies, as illustrated by HB5195, which aims to improve the digital accessibility and functionality of agency websites to enhance small business interactions with the state.
TX
Transcript Highlights:
When the department purchases property and there's
- ...and we are on private property, where we do encounter
- have varying degrees of lives and property involved.
- Ultimately, we want to reduce the loss of life and the loss of property.
- 30%, improve property tax collections, and draw millions of visitors annually, ensuring a long-term
Bills:
SB1
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, water infrastructure, Railroad Commission, Senate Bill 30, Senate Bill 8, budget recommendations, public testimony, water funding, climate change, dedicated revenue stream
Summary:
The meeting included a comprehensive discussion on various upcoming budget recommendations impacting the Railroad Commission and water funding allocations. Significant dialogue focused on Senate Bill 30, which addresses water funding appropriations crucial for developing and maintaining the state's water infrastructure amidst growing demand. Testimonies from various stakeholders emphasized the urgency of addressing water resource issues in Texas, given the state's increasing population and the forthcoming infrastructure needs. Additionally, climate change impacts and funding challenges were heavily underscored by the participants, showcasing a collective concern over future water supply and management.
The committee also reviewed the implications of Senate Bill 8 and Senate Joint Resolution 75 regarding the creation of new funds and programs for water management and development. Importantly, the potential for a dedicated revenue stream was raised, echoing the sentiment that a historic investment in water infrastructure is critical. The meeting adjourned with plans for a follow-up to further evaluate and confirm budget appropriations, reflecting a strong commitment to tackle Texas's pressing water challenges.
TX
Texas 2025 - 89th 1st C.S.
Agriculture & Livestock Jul 21st, 2025 at 01:07 pm
House Agriculture & Livestock Committee
Transcript Highlights:
- with the Sparks and Wildlife, USDA, and ARS.
- Today, income generated from wildlife management is important to rural economies and property owners.
- And in the recent past, many properties have been purchased for wildlife management purposes.
- the facility, build it, and get it up and running?
- and...
Keywords:
New World Screwworm, pest control, livestock, agriculture, Texas Animal Health Commission, sterile fly production, economic impact, public awareness, emergency response
Summary:
The meeting of the committee focused on the urgent issue of the New World Screwworm and its implications for Texas agriculture. Members heard urgent testimonies emphasizing the need for funding and resources to combat the potential spread of this pest, which poses severe threats to livestock and wildlife. Many representatives voiced concerns about the inadequacy of current sterile fly production capacities and the potential economic impact on the state's ranchers and farmers, with estimates suggesting losses could reach billions. Discussions also included coordination efforts among state and federal agencies to prevent the introduction and spread of the pest, with a notable emphasis on the importance of public awareness and rapid response strategies.
TX
Texas 2025 - 89th Regular
Homeland Security, Public Safety & Veterans' Affairs Mar 12th, 2025 at 10:30 am
House Homeland Security, Public Safety & Veterans' Affairs Committee
Transcript Highlights:
- and Wildlife.
- Fish and Wildlife, NOAA, and several other federal agencies— including the Food and Drug Administration
- deputies, officers and their deputies, and so on.
- and in the course and scope of doing that.
- leaving behind damaged property, injured civilians, and overwhelmed
Keywords:
firearm acquisition, gun smuggling, criminal offenses, ammunition, terrorism, public safety, driver's license, vision correction, medical verification, Texas Department of Public Safety, renewal fees, weapons, community supervision, law enforcement, retired officers, prohibition, criminal liability, public safety, missing children, law enforcement
Summary:
The committee convened to discuss several major legislative bills, focusing particularly on enhancing law enforcement's ability to respond to missing children and addressing increasing border security concerns. One significant bill discussed was HB908, which mandates that law enforcement agencies report missing children to the National Center for Missing and Exploited Children within a strict time frame. Testimonies primarily supported the urgency and need for swift action regarding missing children, with members underscoring the imperative to streamline procedures to ensure every case is handled urgently. Additionally, discussions on HB674 centered around adjusting the penalty structure for criminal trespass incidents related to avoiding law enforcement checkpoints, seen as a crucial measure to deter illegal crossings and enhance border security.
TX
Texas 2025 - 89th Regular
89th Legislative Session Feb 19th, 2025 at 10:02 am
Texas House Floor Meeting
Transcript Highlights:
- brothers, David and Dennis Warrington, and to her other relatives and friends.
- minority-owned businesses in the U.S., improving the availability and affordability of property insurance
- And then you've got guys like Harold and I who have absolutely no ambition, and we're still doing the
- And those who help us dream big and best deserve all Americans' respect and gratitude: the men and women
- to live and work.
Keywords:
community recognition, healthcare, Audubon Texas, public service, resolution adoption, Delta Xi Chapter, Texas FFA Day
Summary:
The meeting featured a range of resolutions being discussed, with many representatives emphasizing the importance of various community celebrations across the state. Notable mentions included HR288 recognizing Medical City Dallas Hospital for its contributions to healthcare, and HR273 honoring Delta Xi Chapter of Alpha Kappa Alpha Sorority at the University of Texas for its historic significance and community work. The discussion emphasized praise for local organizations contributing to healthcare, education, and cultural heritage.
TX
Texas 2025 - 89th Regular
Criminal Justice (Part II) Apr 29th, 2025
Senate Criminal Justice Committee
Transcript Highlights:
- Chairman and members.
- Panicked calls and emails flooded our police, myself and others seeking protection, and yet APD indicated
- decisions and promote transparency and trust.
- provide justice and closure for victims and their families.
- And with that, Mr.
Bills:
SB614, SB872, SB1199, SB1212, SB1278, SB1573, SB1588, SB1602, SB1660, SB1704, SB1723, SB1833, SB1858, SB1946, SB2009, SB2146, SB2177, SB2373, SB2460, SB2785
Keywords:
forensic science, capital writs, criminal justice, case review, Texas Forensic Science Commission, prisoner death, investigation, county jail, law enforcement, autopsy, trafficking, prostitution, affirmative defense, coercion, duress, victim rights, child abuse, mandatory reporting, criminal penalties, neglect
Summary:
The Senate Committee on Criminal Justice convened to discuss several key legislative bills, focusing significantly on public safety and law enforcement. Among the prominent bills discussed was SB1858, which aims to amend the eligibility criteria for a law enforcement body armor grant program to include independent school districts (ISDs). This bill addresses safety concerns surrounding school resource officers by allowing them access to necessary protective gear. The committee also reviewed SB1723, which received a favorable recommendation for local non-contested status without any opposition. In total, a number of bills were passed with unanimous votes demonstrating bipartisan support for enhancing community security measures.
TX
Transcript Highlights:
- Chairman and members.
- And I'm going to visit you about this bill and see what your position is then.
- Chairman and members.
- Army and Border Patrol.
- On behalf of the South Texans Property Rights Association and yourself, you're for the bill, is that
Keywords:
illegal immigration, economic impact, environmental impact, financial impact, annual study, Texas, government report, home-rule municipality, charter amendment, state law, governing body, voter approval, critical infrastructure, utilities, foreign entities, electricity market, administrative penalties, landowner compensation, border crime, agriculture damage
Summary:
The committee meeting focused on a comprehensive discussion of several key legislative bills impacting agriculture, transparency in data regarding illegal immigration, and updates to emergency management infrastructure. Notably, SB2601 emphasized improving compensation processes for agricultural landowners affected by border-related crimes. The bill was presented by Senator Blanco, highlighting the need for a streamlined claims process and better funding mechanisms to support affected landowners and lessees. In a related yet different area, SB825 was presented to address the need for transparency and data collection on the effects of illegal immigration on Texas, leading to intense discussions about its implications on various sectors, including healthcare and education. Witnesses from organizations such as the Texas Public Policy Foundation and the Texas Farm Bureau provided valuable insights both in favor and against the bills, resulting in a dynamic atmosphere during the testimony segment of the meeting. Overall, the discussions were productive, with many members emphasizing the importance of balancing economic growth, security concerns, and the rights of individuals.