Video & Transcript DataContr Research : 'environment'

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US
Transcript Highlights:
  • Today we face a threat environment more dangerous than

  • the space domain is now, as you point out in your opening statement, a highly contested strategic environment
  • Today, the United States, its allies, and partners are confronted with a deteriorating security environment
  • That was a different geopolitical environment.
  • span marker="211" data-time="2520"> hundred B-21s should be procured as we looked to see what the environment
Summary: The meeting focused on the strategic posture of U.S. military capabilities with an emphasis on deterrence amid growing global threats. General Cotton from STRATCOM and General Whiting from SPACECOM provided insights into the modernization efforts of the nuclear triad. Key discussions involved the importance of maintaining control over specific frequency spectrums critical for military operations and the implications of potential auctioning of these bands. Members expressed concerns regarding the evolving landscape with adversaries like China and Russia, emphasizing that swift action is needed to adapt and preserve U.S. national security. Various proposals and existing programs, including the B-21 bomber and the nuclear-armed sea-launched cruise missile (SLICOM), were debated, alongside the necessity of increasing military investment in hypersonic defense systems.
TX

Texas 2025 - 89th Regular

Business and Commerce Mar 18th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • , the regulatory environment, all the things that are so attractive about doing business in Texas and
  • So, we're trying to create an environment that makes it very attractive and that really separates us
  • It's important that we have an environment where they're
  • I have a very safe environment in the front and in the back of the house. Thank you.
  • We’ve got some rolled down tarps; we try to create a nice environment.
Summary: The committee meeting was marked by a series of discussions regarding several bills aimed at improving local regulations, particularly around food service operations. Members discussed the challenges of regulatory inconsistencies affecting restaurants and the food industry, emphasizing how Senate Bill 1008 could alleviate some financial burdens. Various stakeholders, including representatives from the Texas Restaurant Association, testified in support of this bill, highlighting the need for clearer and more predictable regulations. The discussions included provisions that would cap local permit fees, preventing duplicate charges that hinder small businesses' operations. Notably, there was strong bipartisan support demonstrated as numerous bills were reported favorably with unanimous votes.
TX

Texas 2025 - 89th Regular

Education K-16 Feb 27th, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • The provision gives parents greater flexibility in choosing the best educational environment for their
  • This could cause potential issues within an environment.
  • We should focus on the basics in a safe environment.
  • This bill strips schools of the ability to foster inclusive environments under the guise of protecting
  • Section 20 is a don't-say-gay policy that would create an environment of fear and bullying for LGBTQIA
Summary: The committee meeting focused on various bills primarily aimed at enhancing parental rights within the educational system. Notable discussions included Senate Bill 204, which mandates the creation of a user-friendly handbook for parents detailing their rights regarding their children's education, and Senate Bill 609, designed to hold school districts accountable to parents and ensure transparency in educational practices. A significant amount of public testimony was offered both for and against these measures, reflecting the contentious nature of the subject matter. Senators emphasized the importance of parental involvement and education reform, fostering a robust dialogue among committee members and constituents alike. The meeting concluded with a commitment to address all bills thoroughly and attentively.
TX

Texas 2025 - 89th Regular

Senate Session (Part II) Apr 23rd, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • So it was a very different environment, and because of

  • the environment, we had to do a lot of things on protecting the environment.
  • /p>

    So, I appreciate you updating this based on the current environment

Bills: SJR85, SCR29, SCR38, SCR42, SB23, SB39, SB209, SB227, SB240, SB330, SB527, SB584, SB618, SB619, SB636, SB663, SB715, SB732, SB758, SB801, SB825, SB826, SB843, SB844, SB847, SB870, SB884, SB912, SB957, SB1013, SB1020, SB1065, SB1143, SB1152, SB1164, SB1183, SB1257, SB1299, SB1325, SB1349, SB1413, SB1455, SB1539, SB1558, SB1574, SB1583, SB1624, SB1642, SB1643, SB1667, SB1717, SB1718, SB1727, SB1734, SB1756, SB1757, SB1784, SB1789, SB1832, SB1868, SB1870, SB1883, SB1896, SB1920, SB1924, SB1963, SB2010, SB2018, SB2024, SB2037, SB2052, SB2073, SB2111, SB2161, SB2196, SB2207, SB2253, SB2268, SB2322, SB2323, SB2332, SB2349, SB2371, SB2533, SB2570, SB2601, SB2626, SB2692, SB2705, SB2717, SB2774, SB2788, SB2877, SB2920, SB2, SB260, SB1786, SB1, HJR4, SJR36, SJR50, SJR63, SJR85, SJR84, SCR12, SCR39, SCR38, SCR42, SCR29, SCR4, SCR18, SCR43, SCR46, SB2023, SB825, SB2010, SB1870, SB62, SB666, SB847, SB284, SB854, SB1073, SB810, SB1539, SB1505, SB583, SB957, SB1502, SB507, SB1026, SB1349, SB1433, SB1434, SB1376, SB1585, SB1772, SB2016, SB1163, SB619, SB1122, SB732, SB731, SB397, SB508, SB1436, SB287, SB261, SB1882, SB618, SB393, SB1791, SB826, SB1257, SB870, SB529, SB209, SB1883, SB2024, SB2429, SB1999, SB511, SB2309, SB510, SB1860, SB2037, SB1924, SB2253, SB2018, SB2206, SB1963, SB1643, SB1299, SB841, SB668, SB584, SB1085, SB2431, SB1490, SB1868, SB2314, SB434, SB2046, SB1667, SB1727, SB2127, SB1975, SB1760, SB1734, SB1335, SB2246, SB2439, SB1624, SB1244, SB1468, SB2717, SB1612, SB1262, SB604, SB2395, SB1832, SB1745, SB1746, SB2207, SB1784, SB1524, SB528, SB437, SB269, SB1137, SB968, SB636, SB747, SB1325, SB1789, SB1455, SB2056, SB1940, SB2052, SB1579, SB2068, SB3034, SB844, SB1920, SB1558, SB1236, SB1044, SB884, SB463, SB227, SB240, SB517, SB1200, SB1410, SB1626, SB1845, SB1863, SB2216, SB2681, SB1717, SB2141, SB2323, SB2200, SB2332, SB2199, SB1642, SB1757, SB2050, SB1138, SB2626, SB2458, SB1864, SB2201, SB1862, SB1583, SB1055, SB2660, SB1898, SB2662, SB2161, SB2964, SB2881, SB1065, SB801, SB2743, SB2533, SB1413, SB2073, SB3014, SB3013, SB2774, SB2702, SB2629, SB2443, SB2349, SB2167, SB2145, SB2121, SB758, SB648, SB647, SB512, SB438, SB1721, SB2268, SB1495, SB2705, SB2366, SB1422, SB1369, SB1013, SB682, SB2692, SB2570, SB2797, SB2111, SB1896, SB1164, SB1020, SB663, SB2371, SB1152, SB2196, SB2383, SB2581, SB2798, SB330, SB646, SB843, SB1998, SB1418, SB2788, SB1169, SB2873, SB1754, SB1534, SB1718, SB2779, SB2004, SB1143, SB1756, SB912, SB2119, SB2032, SB527, SB1580, SB1952, SB2601, SB2322, SB2448, SB1777, SB1283, SB407, SB2392, SB2076, SB2786, SB3031, SB2877, SB2876, SB2284, SB2225, SB1540, SB2920, SB2929, SB1395, SB1972, SB2540, SB1183, SB2742, SB2595, SB2217, SB2117, SB715, SB2330, SB1964, SB1383, SB500, SB1640, SB39, SB2001, SB2080, SB2722, SB506, SB2514, SB2623, SB2658, SB1574, SB2900, SB23, SB2753, SB2398, SB401, SB1241, SB2927, SB2173, SB2538, SB898, SB467, SB1449, SB2529, SB1531, SB2846, SB2476, SB2031, SB986, SB1181, SB2075, SB2154, SB2864, HB135, HB1109, SCR48, SB31, SB2880, SB1359, SB2386, SB771, SB2844, SB2550, SB1351, SB1423, SB1931, SB2245, SB2589, SB2707, SB2807, SB2351, SB410, SB659, SB816, SB2776, SB2693, SB2580, SB1980, SB1886, SB1234, SB739, SB482, SB456, SB127, SB1666
Summary: The meeting conducted by the committee focused on multiple bills, notably including SB870, which deals with regulations surrounding open carry firearms by school marshals. Senator Birdwell presented key arguments for its passage, emphasizing the discretion it provides to school districts while addressing safety concerns. Additionally, the committee advanced SB1789, which aims to improve electric service reliability in Texas by instituting new utility pole standards to mitigate issues faced after recent severe weather events. The discussion highlighted various amendments and the positive responses from committee members, leading to successful motions for both bills.
TX

Texas 2025 - 89th Regular

Business and Commerce May 20th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • but the threat environment has also outgrown the model we
  • The global geopolitical environment that we find ourselves
  • ...of threats—physically, cyber threats, the environment—and
  • , I just think you've got to realize that we're not thinking about a traditional college campus environment
  • It's just, again, the environment of academia— is it contrary to how?
Summary: The committee meeting focused on several legislative items, including significant discussions about cybersecurity and the implementation of new technology in state operations. Key bills such as HB1500, which restructures the Department of Information Resources (DIR) to enhance cybersecurity measures and modernize its functions, were discussed extensively. There was consensus among members regarding the importance of safeguarding Texas's information infrastructure, with particular emphasis on the need for streamlined governance, a focus on artificial intelligence capabilities, and improved IT procurement processes. The members also addressed public testimony that raised important points concerning the balance between innovation and regulatory oversight. Consequently, multiple bills, including HB2467 and HB4310, were favorably reported to the Senate without objections.
TX

Texas 2025 - 89th Regular

S/C on Disease Prevention & Women's & Children's Health Apr 17th, 2025 at 09:04 am

House S/C on Disease Prevention & Women's & Children's Health

Transcript Highlights:
  • It's a less restrictive environment, right?
  • , it's a challenging environment, and anything we can do to reduce the length of stay...
  • So you put a person in an environment, and that person has these internal biological dysregulators.
  • If you put them in an environment...
  • You put that same individual in an environment where they sit all day, they have stress...
Summary: The committee meeting engaged in comprehensive discussions surrounding various health-focused bills aimed at improving community services and mental health care access. Notably, House Bill 475 was refiled by Representative Johnson, highlighting the deficiencies in Texas Medicaid regarding community-based care for youth at risk for criminal behavior. The committee examined the merits of the bill, emphasizing the need for evidence-based intervention programs. Meanwhile, House Bill 2060 received attention for its focus on ensuring automatic Medicaid coverage for infants, addressing gaps in access highlighted by a report indicating a significant number of newborns missed enrollment at birth. Members expressed strong support for this initiative, delineating the critical nature of health coverage for Texas’ youngest citizens.
TX

Texas 2025 - 89th Regular

Border Security (Part I) Apr 10th, 2025

Senate Border Security Committee

Transcript Highlights:
  • emerged as key elements of this criminal activity, which poses serious risks to public safety, the environment
  • >Some of that leaking on the ground, what kind of issues does it pose in terms of danger to the environment
  • of my priorities, next to the mission of our agency, which is to protect public health and the environment
  • /span> My concern is making sure there's no releases to the environment
  • It's that our employees are protected first and foremost, and we'll make sure that the environment is
Summary: The Senate Committee on Border Security convened to discuss SB2949, focusing on the regulation of transportation for motor fuels and hazardous materials. Chairman Birdwell highlighted the urgent need for oversight due to recent increases in fuel-related crimes along the Texas-Mexico border, including theft, illegal documentation, and the operation of unregulated fuel depots. The committee received testimony from several experts, including representatives from the Comptroller's office and law enforcement, who elaborated on the environmental and safety risks posed by the current unregulated fuel transport practices. The discussion centered around how SB2949 aims to tighten regulations and enhance penalties for illegal hauling activities to safeguard public safety and compliance with state laws.
TX

Texas 2025 - 89th Regular

Finance Mar 5th, 2025

Senate Finance Committee

Transcript Highlights:
  • These improvements will allow districts to make meaningful investments in creating secure learning environments
  • According to the Texas School Safety Center a safe school environment
  • By working together to enhance school safety, we can foster an environment where attendance increases
  • According to the Texas School Safety Center, a safe school environment is one free from bullying, violence
  • span marker="367" data-time="2196"> By working together to enhance school safety, we can foster an environment
Bills: SB260, SB263, SB293, SJR18
Summary: The committee meeting centered around discussions on Senate Bill 260, which aims to enhance school safety through increased funding. Senator Huffman highlighted the initiative to double both the per-student and per-campus safety allotments. Testimonies from various stakeholders, including educators and mental health advocates, underscored the importance of addressing both physical safety and mental health needs in schools. The discussions revealed a strong consensus on the necessity of adequate resources for effective school safety measures while acknowledging the financial challenges faced by districts in meeting legislative mandates. The meeting concluded with a positive recommendation for the bill's passage to the full Senate.
TX

Texas 2025 - 89th Regular

Education K-16 Feb 20th, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • ...a learning environment that is not disrupted on campus so
  • They need an orderly classroom environment so that they can shine with their own skills on behalf of
  • ...the environment of the last few years that's really been
  • It needs to be a learning environment.

  • Nestled near the Rio Grande, it offers a close-knit environment where the river flows.
Bills: SB26
Summary: The meeting of the Senate Committee on Education featured an extensive discussion on Senate Bill 26, aimed at reforming teacher compensation in Texas. Notable highlights included testimonies emphasizing the urgent need for meaningful salary increases for teachers across the state. Members discussed the historical nature of the proposed pay raises, which would establish a permanent salary allotment for teachers, allowing for dispatches of nearly $5 billion aimed at boosting educator retention. The importance of addressing teacher safety and equality across various educational roles was also a significant point of focus during this meeting.
TX

Texas 2025 - 89th Regular

Appropriations - S/C on Article III Feb 26th, 2025 at 09:02 am

House Appropriations - S/C on Article III

Transcript Highlights:
  • data-time="738"> In our mission to be available for those patients in need and in so doing, provide an environment
  • Austin as a world-class hub for AI innovation in the critical sectors of energy, technology, the environment
  • healthcare environment in Central Texas to improve access
  • academic medical center that's distinct from a traditional medical center or typical other hospital environment
  • Members, that includes our environment.
Summary: The meeting focused on various initiatives related to health, education, and technological advancements. Notably, the Fentanyl Detection Initiative was presented, highlighting the urgency as five Texans die daily from fentanyl poisoning. Researchers at UT Dallas are developing portable detectors to accurately quantify fentanyl, facilitating faster medical responses by first responders. Additionally, funding requests for the Center for Advanced Pain Studies, aimed at developing effective pain therapies without addictive opioids, were discussed, which emphasize the need to address the opioid crisis. The conversation also covered funding allocations to support various health-related programs.
TX

Texas 2025 - 89th Regular

Corrections Apr 16th, 2025 at 08:04 am

House Corrections Committee

Transcript Highlights:
  • It's a very difficult environment to work in and a

  • very difficult environment for us to staff and retain employees.
  • You have a work environment that may be hot.
  • Hospitals, in particular, can be environments that expose patients and their families to violence.
  • "That caring environment was violated to the maximum degree
Summary: The committee meeting was focused primarily on voting and discussions surrounding a range of house bills, particularly those related to criminal justice reform and the structure of educational programs within correctional facilities. Significant bills discussed included HB1828 on legislative leave for correctional officers and HB5261, which aims to transfer the administration of post-secondary education for inmates from the Texas Department of Criminal Justice to the Windham School District. The committee members expressed varying levels of support for the bills and highlighted the need for improvements in the correctional system, particularly in education and health standards for inmates. Additionally, public testimony underscored the urgency of air conditioning in prison facilities, citing recent court findings regarding extreme temperatures as a violation of inmates' rights.
TX

Texas 2025 - 89th Regular

Public Education Apr 8th, 2025 at 08:00 am

House Public Education Committee

Transcript Highlights:
  • ...environment is frustrating, difficult, and cumbersome.
  • I think it's the work environment too. I like the intent of the bill.
  • 1126" data-time="6750"> Okay, and we can discuss those situations in which a child is in a home environment
  • Environment that would drive students underground?
  • Shouldn't we be concerned about creating an environment where students don't come forward, won't come
Summary: The meeting of the House Committee on Public Education involved significant discussions regarding several bills aimed at improving the functioning and quality of public education in Texas. Notably, Representative Tepper presented HB3627, which seeks to empower the State Board of Education to employ its own personnel to fulfill its responsibilities more effectively. Chairman Kinsey also provided testimony highlighting the continued commitment to enhancing educational materials and instructional quality following the successful passage of HB1605 in the previous session. The committee demonstrated active engagement as members reviewed the implications of these bills on teacher workload and administrative burdens associated with current educational regulations, indicating a desire to enhance the work environment for educators.
TX

Texas 2025 - 89th Regular

Education K-16 (Part II) Apr 8th, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • We're trying to ensure that predators can no longer find loopholes where they can simply change environments
  • for safety is to address the unsafe employee, but even so, some students may want to leave the environment
  • marker="1171" data-time="7020"> And we do need to be able to move them quickly to another safe environment
  • Be safe in an environment going forward when they learn.
  • Senate Bill 2624 maintains a safe environment around

Summary: The committee meeting covered a range of important issues, particularly focusing on school safety and the impact of certain proposed bills on vulnerable populations. Notably, Senator Creighton presented Senate Bill 2623, which seeks to establish school safety zones by preventing navigation services near schools, aimed at ensuring the safety of children in educational settings. Concerns were raised regarding the potential adverse effects of this bill on homeless navigation centers, with various stakeholders expressing their positions during the public testimony session. The importance of balancing community services with student safety was a recurring theme throughout the discussions.
TX

Texas 2025 - 89th Regular

Education K-16 (Part II) Apr 1st, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • classroom engagement and foster a nurturing environment.
  • that would be best for them to help foster an environment
  • creating safer and more appropriate learning environments
  • A 2020 study by the Trevor Project found that LGBTQ+ youth who reported having a supportive environment
  • Fostering a neutral learning environment not only respects parental views.
Summary: The committee meeting primarily addressed several education-related bills, notably focusing on strengthening teacher certification pathways and accountability measures within the Texas school system. Notable discussions revolved around Senate Bills 2252 and 2253, which aim to enhance early education and teacher preparation programs. Participants included various committee members who debated the merits of each bill and carefully considered public testimony that presented both support and concerns regarding the implications of the proposed legislation.
TX

Texas 2025 - 89th Regular

Education K-16 (Part I) Apr 1st, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • When behavior is accurately understood, it creates safer learning environments.
  • The need for supportive environments has never been clearer.
  • They not only distract from the core mission of education but also create an environment.
  • learning environments.
  • This bill supports teachers' ability to maintain productive learning environments.
Summary: The meeting focused on key legislative measures aimed at enhancing school safety and student communication technology. Senator Nichols discussed SB1262, emphasizing its role as a follow-up cleanup bill on previous measures that improved public school safety through House Bill 3. The committee adopted a committee substitute which includes provisions for the Texas Education Agency to commission peace officers for school safety purposes, thereby enabling better collaboration with local law enforcement in case of emergencies. The discussions were enriched by testimony from resource witnesses, including security professionals from the Texas School Safety Center.
TX

Texas 2025 - 89th Regular

Finance (Part II) Jan 28th, 2025

Transcript Highlights:
  • for them and try to make that the best environment we can.
  • It also helps our staff maintain a better working environment.
  • It's an important step in enhancing the security and safety of our environment.
  • In order for us to effectively address criminogenic risk, the environment must be safe.
  • And it's actually built for a correctional environment.
Summary: The meeting of the committee centered around discussions on the budgets for the Texas Department of Public Safety and the Texas Juvenile Justice Department. Significant recommendations included a proposed budget of $3.7 billion for the Department of Public Safety, which reflects a decrease of $199.6 million from the previous cycle. Key topics included customer service enhancements and the increase of staff to improve operations and reduce wait times. Additionally, the Juvenile Justice Department's funding was discussed, including adjustments related to staff salary increases and facility needs.
TX

Texas 2025 - 89th Regular

Higher Education Apr 22nd, 2025 at 08:04 am

House Higher Education Committee

Transcript Highlights:
  • These outcomes are what we all want for our farms, our environment, and our state.
  • Effects on the farm and surrounding environments, as well
  • Then that's what they analyze, that lone variable, in a controlled environment.
  • And creating a Better soil environment—soil health is at
  • ">There are opportunities in terms of what is the right seed to survive this particular complex environment
Summary: In this meeting of the Committee on Higher Education, various bills were laid out and discussed, with particular emphasis on education and research funding, alongside measures to support Texas's agricultural sector. Notable discussions included House Bill 5339, which aims to establish a program for regenerative agriculture, facilitating long-term research on agricultural practices and aiming to improve soil health and food quality. The committee members engaged in discussions about the implications of such research on local farming communities, stressing the importance of evidence-based practices in addressing modern agricultural challenges. The meeting also included concerns related to the nursing shortage, with House Bill 3032 presented as a measure to identify more clinical training sites for nursing students. Additionally, members touched on issues such as retaining Texas students in state universities, given the rising trends of students leaving for opportunities in other states.
TX

Texas 2025 - 89th Regular

Natural Resources Mar 26th, 2025 at 08:00 am

House Natural Resources Committee

Transcript Highlights:
  • Nargang, on behalf of the Water Environment Association of Texas.
  • environment and have dedicated their careers to protecting
  • That is the best way we can treat water and protect human health and the environment.
  • ...and the public health and the environment.
  • This situation creates a challenging environment for

Summary: The recent meeting of the Natural Resources Committee covered significant discussions primarily focused on various water-related bills, notably HB685, HB1918, HB2601, and HB2608. Representative Wally introduced HB1918, which seeks to limit water rate increases for Class A utilities to a maximum of 20% every 36 months. The bill is in response to alarming reports from constituents who experienced drastic increases in their water bills, leading to concerns about financial sustainability for residents on fixed incomes. Supporters emphasized the need for better regulations to protect consumers, while opponents argued that the bill could dissuade necessary investments in utility infrastructure, jeopardizing service quality. Public testimony was a vital component, with various stakeholders expressing both support and opposition to the proposals under discussion.
TX

Texas 2025 - 89th Regular

Public Education Apr 15th, 2025 at 08:04 am

House Public Education Committee

Transcript Highlights:
  • safe and engaging environments and early intervention services
  • SROs play a key function in supporting school safety and creating a safe learning environment for all
  • SROs will learn evidence-based strategies to support a safe school environment, including the effects
  • Instead of feeling empowered, students often feel stuck trying to succeed in an environment that isn't
  • It creates a safer, more supportive environment where students can truly thrive.
Summary: The meeting convened with a focus on educational legislation, with discussions spanning several key bills concerning mental health support for students, school safety measures, and the involvement of students in school governance. House Bill 1441, aimed at enhancing training for school resource officers on mental health awareness, received notable attention. Advocates highlighted the importance of equipping officers with the skills to address grief and trauma, thereby fostering a supportive environment for students. The bill was backed by testimonies from stakeholders emphasizing the critical need for proactive measures in schools to prevent crises and support students in need. Another significant piece of legislation was House Bill 3672, introduced by Chairman Ashby, focused on creating grant programs for extracurricular community education, providing essential resources for youth development and engagement.
TX

Texas 2025 - 89th Regular

Health and Human Services May 13th, 2025

Senate Health & Human Services Committee

Transcript Highlights:
  • system that protects them from environments that pose a risk
  • just about enforcement; it's about raising the standard of care, protecting lives, and making the environment
  • in response to growing concerns that this environment had become overly complex and inefficient and
  • The goal of this study was to simplify this regulatory environment to make it easier for Texans to serve
  • provision will not only eliminate confusion, but it will allow for a more customized regulatory environment
Summary: The committee meeting centered on several significant bills regarding public health and safety, particularly focusing on healthcare access, transparency, and opioid crisis response. Notably, House Bill 4783 sparked considerable discussion as it aims to enhance the state's approach to prevent opioid overdoses by directing the Health and Human Services Commission (HHSC) to prepare biannual reports on opiate antagonist programs. The testimony from public officials like Dallas City Council's Paula Blackman, who spoke passionately about the ongoing fentanyl epidemic, highlighted the urgent necessity of improved access to life-saving medications. In addition, House Bill 1314 drew attention for addressing hospital pricing transparency, attempting to ease financial burdens on patients by mandating accurate upfront estimates for healthcare costs.

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