MIL USHOR-2b Engine

Source: United States House of Representatives – Congresswoman Kim Schrier, M.D. (WA-08)

WASHINGTON, D.C. – Today, Congresswoman Kim Schrier, M.D. (WA-08) and Congressman Nick Langworthy (NY-23) introduced the Fair Licensing for Operations of Water Structures (FLOWS) Act, legislation to streamline the hydropower and marine energy permitting process – bolstering clean energy across the country. Companion legislation was introduced by Senators Lisa Murkowski (R-AK) and Angus King (I-ME) and passed through the Senate Energy and Natural Resources Committee unanimously. 

“The vast majority of Washington State’s energy comes from hydropower, making it essential that we efficiently maintain dams to support our communities,” said Congresswoman Schrier. “Helping our hydropower operators perform routine maintenance, repairs, replacements, and temporary adjustments for our dams will lower energy costs, ensure reliability, and improve public safety. This bill will also support emerging clean energy research as we find new ways to produce energy without emitting greenhouse gases.”

Current federal permitting processes for hydropower projects contain redundancies and inefficiencies that unnecessarily delay project work and increase costs. Under existing requirements, routine maintenance and in-kind replacements at hydropower facilities often require prior approval from the Federal Energy Regulatory Commission (FERC), resulting in months-long delays and diluting focus from substantial actions that need it most.

The FLOWS Act aims to chart the course for a reformed hydropower and marine energy permitting process through the following improvements:

• Releases hydropower project developers from seeking FERC approval for non-substantial alterations or additions; routine maintenance, repair, or replacement; or seasonal or temporary adjustments in response to circumstances beyond the project’s control.
• Requires FERC to conduct a rulemaking with public comment to determine definitions of a ‘‘substantial alteration or addition,’’ ‘‘nonsubstantial alteration or addition,’’ and ‘‘routine maintenance, repair, or replacement.’’
• Allows FERC to issue short-term licenses of 10–20 years for hydrokinetic energy projects under five megawatts of installed capacity.
• Requires FERC to submit a report to Congress on the effects of these hydrokinetic projects on the environment, economy, and electricity reliability and affordability no later than five years after the bill’s enactment or after the first 50 licensed projects have been operational for one year.

“Hydropower has powered communities across America for generations, but the federal permitting process hasn’t kept pace with modern technology or common sense,” said Congressman Langworthy. “Too often, operators are forced to navigate unnecessary federal red tape just to perform routine maintenance or replace equipment with identical components. That drives up costs, delays improvements, and makes it harder to keep reliable, affordable power on the grid, while having no real impact on environmental safety. At a time when New Yorkers are being crushed by skyrocketing energy costs, this is bipartisan, common-sense legislation is essential to preserving the future of one of America’s most affordable sources of electricity.”

“Rivers are essential to the health of our communities, wildlife, and economy. As the House considers policies to support hydropower, it is critical that river protection remains a central priority,” said American Rivers’ Hydropower Reform Director Kelly Catlett. “We appreciate Representatives Schrier and Langworthy’s thoughtful introduction of the FLOWS Act to build on the important work already underway at FERC, and we look forward to continuing to work with them to strengthen the legislation and ensure it advances both renewable energy and healthy rivers.”

“The FLOWS Act is a commonsense, bipartisan solution that reduces red tape for routine maintenance and non-substantial work, allowing hydropower operators to stay focused on what matters most: dam safety, reliability, and keeping power affordable,” said Matthew Allen, Senior Director of Legislative Affairs at the National Hydropower Association. “It also establishes a needed pathway for wave, tidal, and river-current technologies to get into the water more quickly and demonstrate their value to America’s clean energy future. By modernizing outdated processes, this bill will help preserve today’s hydropower fleet while unlocking tomorrow’s innovation. NHA thanks Reps. Langworthy and Schrier for introducing this legislation in the House as well as Senators Lisa Murkowski and Angus King for shepherding the Senate companion bill. NHA looks forward to working with these water power champions to move the bill through Congress as quickly as possible.” 

“The FLOWS Act will encourage more investment in existing hydropower supporting reliability, safety, and affordability without triggering unnecessary regulatory processes for non-substantial project modifications or routine maintenance conducted under existing federal licenses.  Thank you, Congresswoman Schrier, for advancing this important legislation,” said Kirk Hudson, general manager of Chelan County Public Utility District. 

“The University of Washington is proud to be at the cutting edge of research for hydrokinetic technologies that produce clean energy and minimize environmental impact,” said Brian Polagye, former Director of the Pacific Marine Energy Center. “With this legislation, new permitting pathways for hydrokinetics can play a crucial role in scaling up prototypes and demonstrating reliability. I thank Representatives Schrier and Langworthy for their work to help meet our state’s growing clean energy demand and lower costs for ratepayers.”

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Source: United States House of Representatives – Congressman Rick Larsen (2nd Congressional District Washington)

“Trump’s waiver of the Jones Act has done nothing to lower prices. Instead, it has halted investment in U.S. shipbuilding, stolen jobs from American mariners and threatened the entire U.S. maritime industry. The Administration must reverse course to protect our maritime workforce in Northwest Washington and across the United States.”

Source: United States House of Representatives – Congressman Rick Larsen (2nd Congressional District Washington)

Today, U.S. Representative Rick Larsen (WA-02), top Democrat on the House Transportation and Infrastructure Committee, released the following statement: 

“People I represent need answers on how the new Alberta to B.C. pipeline at Roberts Bank is going to impact the Salish Sea and local marine habitats. 

“Due to Canada’s plans to ship more oil in the Salish Sea, the Coast Guard’s oil spill prevention and response mission in the Pacific Northwest is even more critical. The Coast Guard must immediately begin prevention planning through the Canada-United States Joint Marine Pollution Contingency Plan. 

“I will do everything I can to protect the Salish Sea and prevent oil spills that would harm sensitive marine habitats in Northwest Washington. I will keep pressing for answers from the Coast Guard and communicating to my Canadian counterparts why people I represent oppose this pipeline.” 

Today, the House Transportation and Infrastructure Committee held a roundtable with officials from the Coast Guard on maritime safety. A video clip of Rep. Larsen asking Coast Guard officials about their awareness of the new Canadian pipeline and how it would implicate existing oil spill prevention plans can be found here, and the recording of the entire roundtable can be found here. 

On July 2, the Government of Alberta announced a proposed new oil pipeline from Alberta to the Pacific Ocean that would transport 1 million barrels per day to an export terminal at Roberts Banks in British Columbia. The new pipeline will increase tanker traffic in Haro Strait and Boundary Bay in the Salish Sea, and with it the risks for catastrophic oil spills impacting sensitive marine environments. 

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Source: United States House of Representatives – Congressman Bob Latta (R-Bowling Green Ohio)

Today, the House Energy and Commerce Committee advanced two bills introduced by Congressman Bob Latta (OH-5) to combat the rising synthetic opioid deaths: The Strengthening Tools to Outlaw Poisonous (STOP) Nitazenes Act and Tyler’s Law. Additionally, the Committee also passed Congressman Latta’s Nonprescription Drug Innovation Act (H.R.9774) as part of the Lower Costs, More Transparency Act (H.R.9393).  

The Strengthening Tools to Outlaw Poisonous (STOP) Nitazenes Act would schedule 2-benzylbenzimidazole opioids, commonly known as nitazenes, as Schedule I controlled substances. Fatal overdoses continue to rise across the United States, and nitazenes, a dangerous class of illicit synthetic opioids, are increasingly contributing to overdose deaths nationwide. Depending on the chemical formulation, some nitazenes can be up to 800 times more potent than morphine and 40 times more potent than fentanyl. Like other illegal street drugs that are often laced with fentanyl, substances may also contain nitazenes without the user’s knowledge. 

Tyler’s Law requires the Department of Health and Human Services (HHS) to complete a study on how frequently hospitals test for fentanyl in patients experiencing an overdose and to use the results of the study to issue guidance to hospitals on implementing fentanyl testing in emergency rules. Congressman Latta is the lead sponsor from the Energy and Commerce Committee and has been working on this legislation since 2023.  

The Nonprescription Drug Innovation Act would establish a new “Priority Nonprescription Drug” designation to help expedite the development and review of certain over-the-counter (OTC) medications to give consumers access to manage their own care in a safe and affordable manner. 

“Today’s advancement of the STOP Nitazenes Act and Tyler’s Law out of committee is an important step forward in our efforts to save lives and confront the devastating impact of synthetic opioids in communities across the country. These bills will help ensure hospitals and health officials have the tools, data, and authorities they need to respond more effectively to overdoses and keep dangerous substances like nitazenes off our streets. I urge the House floor to take up this legislation immediately,” said Latta.  

Congressman Latta has consistently championed legislation to fight against the opioid epidemic. His bill, the HALT Fentanyl Act, permanently classifying fentanyl-related substances (FRS) as a Schedule 1 drug under the Controlled Substances Act, was signed into law by President Trump on July 16, 2025.  

Source: United States House of Representatives – Representative Debbie Wasserman Schultz (FL-23)

“More than three decades after the tragic AMIA Jewish Center bombing, and there’s still no justice for the 85 victims, the hundreds of injured, and countless people who were traumatized by this Iran-backed Hezbollah attack,” said Wasserman Schultz. “With antisemitism skyrocketing around the world, this gruesome attack on Argentina’s thriving Jewish community cannot go unanswered. I’m proud to honor the victims of this attack and keep up the vital pursuit of justice for their loved ones.”

Source: United States House of Representatives – Congressman Donald Norcross (1st District of New Jersey)

WASHINGTON — Congressmen Donald Norcross (NJ-01), Mike Lawler (NY-17), and Paul Tonko (NY-20) today introduced the bipartisan Modernizing Opioid Treatment Access Act 2.0 (MOTAA 2.0). The bill, which has been endorsed by more than 50 healthcare and recovery organizations, would establish a safe process for individuals suffering from opioid use disorder (OUD) to access methadone through their local pharmacy. 

Methadone is one of the two primary OUD treatments recommended by the World Health Organization. It reduces all-cause mortality by over 50 percent and has been effectively prescribed worldwide for roughly 50 years. Yet while pharmacies can easily distribute methadone for pain relief, OUD patients can only access the treatment under direct supervision in an opioid treatment program (OTP) – facilities that are unavailable in approximately 80 percent of counties across the United States. 
 
Notably, nearly one-third of OTPs are owned by private equity firms – a higher percentage than practically any other field of medicine and a share that is still growing. This trend has not increased the supply of methadone and has shown few tangible benefits, and private equity has financed staunch opposition to reforms that would boost treatment access.  

“The fact that only a fraction of people can access the most effective, readily-available treatment for opioid addiction is simply a policy choice. And it’s a bad choice that’s needlessly costing lives,” Norcross said. “It’s beyond time that our rules catch up with the science – and that we put the needs of Americans over the private-equity monopolies who profit from addiction services.” 

“The opioid epidemic has devastated families across New York and our nation, showing the need to make proven, lifesaving treatment more accessible,” Lawler said. “This bipartisan legislation gives qualified addiction specialists the ability to prescribe methadone for opioid addiction through local pharmacies, helping patients access care closer to home safely. Recovery should be within reach for every American who is ready to take that step.”
 
“For decades, methadone has been a safe, proven, and effective treatment that saves lives and helps millions living with the disease of addiction,” Tonko said. “Congress must do all in its power to ensure our communities can access these evidence-based treatments. I’m proud to join my colleagues in this bipartisan bill that will save lives by helping individuals find and follow the path to recovery.” 

In addition to allowing board-certified addiction physicians and psychiatrists to prescribe methadone and pharmacies to dispense it, the MOTAA 2.0 adds new provisions to the legislation that Norcross previously led in 2023. These changes include more safety guardrails and flexibility for the Department of Health and Human Services to authorize future licensed providers without Congress needing to pass a separate law. 

Senators Ed Markey (D-MA) and Rand Paul (R-KY) are leading companion legislation in the Senate. The more than 50 organizations currently endorsing the MOTAA 2.0 include: 

A New PATH (Parents for Addiction Treatment & Healing), AIDS United, American Academy of Family Physicians, American Association of Psychiatric Pharmacists, American College of Academic Addiction Medicine, American College of Emergency Physicians, American College of Medical Toxicology, American College of Osteopathic Emergency Physicians, American Medical Association, American Osteopathic Academy of Addiction Medicine, American Osteopathic Association, American Pharmacists Association, American Psychological Association Services, American Society of Addiction Medicine, American Society of Health-System Pharmacists, Association for Behavioral Health and Wellness, Association for Multidisciplinary Education and Research in Substance Use and Addiction (AMERSA), Big Cities Health Coalition, Boston Medical Center, Broken No More, Center for Addiction Science, Policy, and Research (CASPR), Doctors for Drug Policy Reform, Drug Policy Alliance, Faces & Voices of Recovery, Georgia Council for Recovery, HIV Alliance, Inseparable, International Certification and Reciprocity Consortium (IC&RC), Legal Action Center, Mass General Brigham, Massachusetts Health and Hospital Association (MHA), Massachusetts Society of Addiction Medicine, Mental Health America, Mobilize Recovery, National Association of Addiction Treatment Providers, National Association of Community Health Centers, National Behavioral Health Association of Providers, National Coalition for Homeless Veterans, National Coalition to Liberate Methadone, National Commission on Correctional Health Care, National Community Pharmacists Association, National Rural Health Association, Opioid Task Force of Franklin County and the North Quabbin Region, Overdose Prevention Initiative, Partnership to End Addiction, Penn Medicine’s Center for Addiction Medicine & Policy, Police Assisted Addiction and Recovery Initiative, R Street Institute, Shatterproof, SMART Recovery, Talbott Legacy Centers, The Kennedy Forum, Veterans Inc., WellSpan Health, Yale Program in Addiction Medicine, and Young People in Recovery. 

Full text of the legislation can be found here, and a one-pager by the American Society of Addiction Medicine can be found here. 

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Source: United States House of Representatives – Congressman Steve Scalise (1st District of Louisiana)

WASHINGTON, D.C.—Today, House Majority Leader Steve Scalise (R-La.) joined Speaker Mike Johnson (R-La.), Conference Chairwoman Lisa McClain (R-Mich.), and Rep. Nicole Malliotakis (R-N.Y.) to highlight the growing divide within the Democrat Party as far-left candidates gain momentum while House Republicans continue advancing legislation to strengthen election integrity, support national security, lower costs, and keep the government open.

Click here or the image above to view Leader Scalise’s full remarks.
Highlights from Leader Scalise’s remarks:On the Communist takeover of the Democrat Party:“The Bolshevik takeover of the Democrat Party is in full swing, and communism is on the ballot this November against freedom. Make no mistake about that. The lines have never been more clear in an election. You know, just look right now at the fight between Hakeem Jeffries and Bernie Sanders. They’re in public war with each other right now, and Bernie Sanders is winning. Bernie’s candidates are beating Hakeem’s candidates in Democrat primaries.”Now, in far-left Democrat districts, those communist candidates are gonna likely be elected, but in swing districts, it draws an incredibly sharp contrast between our incumbent Republicans who are working to make life more affordable for working families against these communists who want to literally defund the police. Some are running on platforms, as [Chairwoman] Lisa [McClain] and [Rep.] Nicole [Malliotakis] said, of defunding prisons, defunding the Department of War, taking away private property rights. This isn’t a joke. This is something they actually believe in. And you’re seeing it play out in cities like New York, but it’s coming to a town near you, and it will absolutely be on the ballot this November because the American people do not want America to become a communist nation. But that means Americans have to participate this November to stop it from happening.” On House Democrats’ record of opposing commonsense measures:”And we’re going to see more votes on the House floor. You know, what do they want to do? They want chaos. They want power is ultimately what they want. They can’t articulate a real clear agenda for the American people because they’ve been fighting us on all the things that would actually work to lower costs. Keeping taxes low, keeping regulations low, getting government off the backs of working families, producing more energy in America, which lowers costs. Every Democrat voted against that bill. “So their votes have been very clear on what they want to do. But look at some of their other votes. Last week, we had a vote on the House floor that was brought forward not by leadership, but a vote that would have defunded America’s support of Israel. And the Democrats were literally divided right down the middle. A majority of Democrats voted to defund Israel. All but one Republican voted to support Israel. But if you look at the vote, even their own leadership was split right down the middle. Half of their leadership voted to defund Israel and half of their leadership didn’t. They’re a divided party right now. “Again, where the communist wing of the party is starting to win out on all of these votes. Look at some of these votes. Again, a majority of Democrats voted to block military aid to Israel. A majority of Democrats voted no on denouncing the antisemitic terrorist attacks in Boulder, Colorado. A majority of them voted against denouncing those attacks. A majority of Democrats voted no on expressing support for law enforcement. A majority. That is who the Democrat Party is today. That’s what communism is. They can call themselves whatever they want. Look at their votes. Look at their platform. Look at their actions. And then we’re going to bring more bills.”On Democrats threatening a government shutdown:”We’ve got a bill this week to just fund the government, a continuing resolution that Chairman Cole is bringing forward today to say, look, we don’t want a government shutdown. We don’t want the chaos that comes with it. Republicans are united, by the way, behind that. And what is Hakeem saying? He’s voting to shut the government down today. Let’s watch how all Democrats vote. But the American people are going to be watching that too, because they remember the long lines just a few months ago at every airport. “Democrats will be voting today to have four hour lines at every airport when you’re going and taking your summer vacation this month for a hardworking family. Democrats will be voting today to take away paychecks from our men and women in uniform. That’s what they’ll be voting on today.” On House Republicans’ agenda to strengthen election integrity, ethics, and defense:”Tomorrow we’re bringing up a bill to ban stock trading by members of Congress, something people have been calling for for years. We’re bringing that bill to the floor. Chairman Steil’s committee worked really hard to get a bill brought forward. Now Democrats are talking about voting against that. Bringing the NDAA. Let’s see how that vote goes to just provide the basic layout for how our national defense should be prioritized. These are basic functions of government, basic responsibilities of reforming government. “Bring in the SAVE America Act again. What is the SAVE America Act? Showing picture ID to vote. Not a complicated subject. Again, anybody that gets on an airplane has to show a picture ID to vote. Nowadays, if you want to go to Olive Garden and get unlimited pasta, you got to show a picture ID. This isn’t complicated stuff, yet every Democrat is against these basic things. Why? The only reason you can be against that is if you want voter fraud. It’s the only explanation. And they know that. American people get it. We’ve all seen polling. It crosses every spectrum — Black, white, Republican, Democrat. “Everybody says, of course, ensure the integrity of the vote. One person, one vote. So that, and by the way, in states, and you saw this yesterday in Rules Committee, Chairman Steil did a really good job of explaining it. In the states where they put stronger voter integrity in place, you actually have higher voter participation because voters actually trust the process better. And so we’re going to have these votes this week before we leave for everybody to go back to their districts and work. We’re going to have a lot to talk about during this break because we’re going to be talking about the contrast, the contrast on the ballot this November between communism and freedom. And the American people will absolutely choose freedom and keep this Republican House majority.”

Source: United States House of Representatives – Representative Mike Johnson (LA-04)

WASHINGTON — Today, Speaker Johnson hosted The Right Honorable Sir Lindsay Hoyle, MP, Speaker of the House of Commons, for a bilateral meeting at the U.S. Capitol. Their meeting follows Speaker Johnson’s visit to the House of Commons in January, when he became the first U.S. Speaker to address the British Parliament. Both Speaker Johnson and Speaker Hoyle delivered brief remarks following their meeting.

“Today, here in our nation’s Capitol, we are certainly proud to celebrate America’s unique bond and the enduring friendship that we have with the British people,” Speaker Johnson said. “The United States and the United Kingdom are two of the most exceptional nations the world has ever known, and together, we form the single greatest force for advancing human freedom and preserving the values of western civilization.”

Watch Speaker Johnson’s full remarks here.

Below are Speaker Johnson’s remarks as delivered:

Good afternoon, everyone. It’s a tremendous privilege of mine personally and officially to welcome the Speaker of the U.K. Parliament, The Right Honorable, Sir Lindsay Hoyle. We’ve become friends over these last couple of years and have done many events together. And I’m just delighted to welcome him and his wife, Lady Hoyle, to the United States Capitol.

It’s his first visit here, which I’m surprised by, but we’re certainly delighted to have him. In January, as part of America’s Semiquincentennial celebration, I had the profound honor of visiting and addressing the Parliament in the U.K. I was the first U.S. Speaker of the House ever allowed to do so. And we so enjoyed that.

Speaker Hoyle graciously hosted my wife, Kelly, and me and our team. Today here in our nation’s Capitol, we are certainly proud to celebrate America’s unique bond and the enduring friendship that we have with the British people. The United States and the United Kingdom are two of the most exceptional nations the world has ever known, and together, we form the single greatest force for advancing human freedom and preserving the values of Western civilization.

Speaker Hoyle and I believe wholeheartedly in that special relationship as it is called. We’ll continue to be a beacon for liberty and freedom. That’s the resolve that both nations have just as it has throughout our history. And this visit reaffirms that shared hope and commitment that we have.

Finally, I’d like to address my well wishes to the newly appointed British Prime Minister, Andy Burnham, who just took office yesterday. I’m hopeful this new government can work together with the United States to advance the shared interest and the priorities of our people. We thank you for being here and I will yield the podium to the other Speaker, Sir Lindsay Hoyle.

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Source: United States House of Representatives – Congressman Steve Cohen (TN-09)

WASHINGTON – Congressman Steve Cohen (TN-9) today announced that the Lieutenant Colonel Luke J. Weathers Veterans Administration Medical Center in Memphis will receive $8,302,004 in infrastructure improvements in the third quarter of this fiscal year. 

The funding includes upgrades of X-ray and MRI technologies, improvements to its food service capabilities and new roofs for Buildings 1, 1A, 5 and 7.

Congressman Cohen, who introduced legislation to rename the medical center for the famed Tuskegee Airman in 2022, made the following statement:

“Our veterans deserve the best. These investments in preventive maintenance and high-tech diagnostic equipment will improve the treatment the facility can provide, and I look forward to seeing these improvements implemented later this year.”

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Source: United States House of Representatives – Congressman Emanuel Cleaver II (5th District Missouri)

(Washington, D.C.) – Today, U.S. Representative Emanuel Cleaver, II (D-MO), celebrates the U.S. Economic Development Administration’s (EDA) announcement of approximately $34 million in implementation funding for the Kansas City BioSecure Manufacturing Hub (KC Bio) as part of the federal Tech Hubs Program, along with an additional $38 million for Missouri’s Critical Minerals and Materials for Advanced Energy Tech Hub (CM2AE) based in Rolla. Tech Hubs was authorized by the bipartisan CHIPS and Science Act, a key part of President Biden’s Investing in America agenda, which he signed into law in August 2022. 

The investments are designed to strengthen America’s global competitiveness by accelerating innovation, expanding advanced manufacturing, strengthening domestic supply chains, and positioning regions like Kansas City as national leaders in critical technologies essential to both economic growth and national security. 

“Today’s announcement is a major victory for the region and our nation’s future,” said Congressman Cleaver. “The Kansas City region has long been home to world-class research institutions, pioneering life sciences companies, and an unmatched spirit of collaboration. This investment recognizes what we’ve known for years – that Kansas City is uniquely positioned to lead America in the next generation of biomanufacturing and biotechnology innovation.” 

The Kansas City BioSecure Manufacturing Tech Hub, led by BioNexus KC and supported by a broad coalition of public, private, academic, and nonprofit partners, was designated as a federal Tech Hub to strengthen domestic bio manufacturing capacity and accelerate the commercialization of emerging technologies. 

Rep. Cleaver has supported efforts to establish Kansas City as a national leader in biosciences and advanced manufacturing sectors, recognizing both the economic opportunity and the national security importance of developing resilient domestic supply chains for critical technologies. 

The announcement follows last week’s selection of the University of Missouri-Kansas City to lead a National Science Foundation Innovation Engine, another landmark federal investment that will accelerate research, commercialization, and workforce development across the heartland. Together, the awards reinforce Kansas City’s growing role as a national center for innovation and advanced technology.  

“These investments are about much more than today’s dollars,” said Congressman Cleaver. “They are about creating high-paying jobs, strengthening our regional economy, supporting groundbreaking research, and ensuring America, not our global competitors, leads the industries that will define the future.” 

In addition to the Kansas City Award, the Critical Minerals and Materials for Advanced Energy Tech Hub will receive approximately $38 million to strengthen domestic production of the materials necessary for advanced energy technologies. The initiative includes partnerships with institutions across Missouri, including the University of Missouri-Kansas City, further expanding the economic and research benefits for the Kansas City region.

Emanuel Cleaver, II is the U.S. Representative for Missouri’s Fifth Congressional District, which includes Kansas City, Independence, Lee’s Summit, Raytown, Grandview, Sugar Creek, Greenwood, Blue Springs, North Kansas City, Gladstone, and Claycomo. He is a member of the exclusive House Financial Services Committee and Ranking Member of the House Subcommittee on Housing and Insurance.