Bill Text: HI SB1279 | 2012 | Regular Session | Amended
Bill Title: Insurance
Spectrum: Partisan Bill (Democrat 1-0)
Status: (Engrossed - Dead) 2011-12-01 - Carried over to 2012 Regular Session. [SB1279 Detail]
Download: Hawaii-2012-SB1279-Amended.html
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SENATE |
S.B. NO. |
1279 |
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TWENTY-SIXTH LEGISLATURE, 2011 |
S.D. 1 |
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STATE OF HAWAII |
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A BILL FOR AN ACT
RELATING TO INSURANCE.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:
SECTION 1. The purpose of this act is to amend chapter 431, Hawaii Revised Statutes, to comply with the federal Nonadmitted and Reinsurance Reform Act of 2010 relating to surplus lines insurance and to enable the Insurance Commissioner to participate in a multistate cooperative to collect surplus lines premium taxes and fees and distribute the proper taxes and fees to individual member states.
SECTION 2. Section 431:1-213, Hawaii Revised Statutes, is amended to read as follows:
"§431:1-213 State defined. State means any state of the United States and the governments of Puerto Rico, American Samoa, Guam, Northern Mariana Islands, United States Virgin Islands, and the District of Columbia."
SECTION 3. Section 431:1-214, Hawaii Revised Statutes, is amended to read as follows:
"§431:1-214 United States defined. United States, when used to signify a place, means the states of the United States and the governments of Puerto Rico, American Samoa, Guam, Northern Mariana Islands, United States Virgin Islands, and the District of Columbia."
SECTION 4. Section 431:8-101, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-101 Scope. This article
shall apply to the placement of insurance [on any subject resident, located,
or to be performed in this State,] in insurers not authorized to transact
insurance in [this State.] the state in which the insured is located
or in which the insurance contract will be performed."
SECTION 5. Section 431:8-102, Hawaii Revised Statutes, is amended as follows:
1. By adding ten new definitions to be appropriately inserted and to read:
""Exempt commercial purchaser" means a:
(1) Person that possesses a net worth in excess of $20,000,000;
(2) Person that generates annual revenues in excess of $50,000,000;
(3) Person that employs more than five hundred full‑time or full‑time equivalent employees per individual insured;
(4) Person that is a member of an affiliated group employing more than 1,000 employees in the aggregate;
(5) Not-for-profit organization or public entity that generates annual budgeted expenditures of at least $30,000,000; or
(6) Municipality with a population in excess of 50,000 individuals,
that at the time of a purchase of commercial insurance, employs or retains a qualified risk manager to negotiate insurance coverage and paid aggregate nationwide commercial property and casualty insurance premiums in excess of $100,000 in the twelve months immediately preceding the purchase of commercial insurance; provided that beginning on January 1, 2015, and every five years thereafter, the amount of net worth, annual revenues, and annual budgeted expenditures of the exempt commercial purchaser shall be adjusted to reflect the percentage change for that five-year period in the Consumer Price Index for All Urban Consumers published by the Bureau of Labor Statistics of the federal Department of Labor.
"Home state", with respect to an insured, means the state in which an insured maintains the insured's principal place of business or, in the case of an individual, the state in which the individual maintains the individual's principal residence; provided that if one hundred per cent of the insured risk is located outside of the state where the insured maintains the insured's principal place of business or principal residence, the home state shall be the state where the greatest percentage of the insured's taxable premium for that insurance contract is allocated.
"Home state of affiliated group" means the home state of the member of the affiliated group that has the largest percentage of premium attributed to it under an insurance contract where more than one insured from the affiliated group is listed as a named insured on a single nonadmitted insurance contract.
"Home state of group insurance" means the home state of the group policyholder who pays one hundred per cent of the premium from the policyholder's own funds; provided that if the group policyholder does not pay one hundred per cent of the premium from the policyholder's own funds, the term means the home state of the group member.
"Independently procured insurance" means insurance obtained by an insured directly from an unauthorized insurer as permitted by the laws of the insured's home state.
"Multistate risk" means a risk covered by an unauthorized insurer with insured exposures in more than one state.
"Principal place of business" means:
(1) The state where the insured maintains the insured's headquarters and where the insured's high-level officers direct, control, and coordinate the business activities;
(2) If the insured's high-level officers direct, control, and coordinate the business activities in more than one state, the state in which the greatest percentage of the insured's taxable premium for that insurance contract is allocated; or
(3) If the insured maintains the insured's headquarters or the insured's high-level officers direct, control, and coordinate the business activities of the insured outside of any state, the state in which the greatest percentage of the insured's taxable premium for that insurance contract is allocated.
"Person" means a natural or legal person.
"Principal residence" means:
(1) The state where the individual insured resides for the greatest number of days during a calendar year; or
(2) If the insured's principal residence is located outside of any state, the state in which the greatest percentage of the insured's taxable premium for that insurance contract is allocated.
"Single state risk" means a risk with insured exposures in only one state."
2. By amending the definitions of "authorized insurer", "surplus lines insurance", and "unauthorized insurer" to read:
""Authorized insurer" means an
insurer holding a valid certificate of authority to transact an insurance
business in [this State.] the state in which the insured is located
or in which the insurance contract will be performed.
"Surplus lines insurance" means any property
and casualty insurance on risks [resident, located or to be performed in
this State,] procured from or placed with an unauthorized insurer under
the laws of the insured's home state; provided that surplus lines insurance
when this State is the home state of the insured shall be in accordance
with part III of this article.
"Unauthorized insurer" means an
insurer not holding a valid certificate of authority to transact an insurance
business in [this State.] the state in which the insured is located
or in which the insurance contract will be performed."
SECTION 6. Section 431:8-201, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-201 Transacting insurance
business without certificate of authority prohibited. It shall be unlawful
for any insurer to transact an insurance business in this State, as defined in
section 431:1-215, without a certificate of authority[, except];
provided that this section shall not apply to:
(1) The lawful transaction of surplus lines insurance;
(2) The lawful transaction of reinsurance by insurers;
(3) Transactions in this State involving a policy
lawfully solicited, written, and delivered outside of this State covering only
subjects of insurance not resident, located, or expressly to be performed in
this State at the time of issuance, and which [transactions] are
subsequent to the issuance of [such] the policy;
(4) Attorneys acting in the ordinary relation of attorney and client in the adjustment of claims or losses;
(5) Transactions in this State involving group life
and group accident and health or sickness or blanket accident and health or
sickness insurance or group annuities where the master policy of [such] the
groups was lawfully issued in and delivered [in and] pursuant to
the laws of a state in which the insurer was authorized to do an insurance
business;
(6) Transactions in this State involving any policy
of insurance or annuity contract issued prior to July 1, 1988; [and]
(7) Transactions in this State involving ocean marine
insurance[.]; and
(8) Transactions of contracts of insurance for property and casualty multistate risks; provided that the producer is licensed to sell, solicit, or negotiate that insurance in the home state of the insured."
SECTION 7. Section 431:8-205, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-205 Insurance independently
procured; duty to report and pay tax. (a) Nothing in this part shall
prohibit a person from independently procuring, continuing, or renewing
insurance from an insurer [which] that is not authorized to
transact insurance in this State.
(b) Each insured who in this State procures [or],
continues, or renews [insurance with an unauthorized insurer] surplus
lines insurance on a risk located or to be performed in whole [or in
part] in this State, other than insurance procured through a surplus lines
broker pursuant to part III of this article shall, within sixty days after the date
the insurance was [so] procured, continued, or renewed, file a written
report [of the same] with the commissioner[, upon forms prescribed by
the commissioner, showing:]. Each insured who in this State, after June
30, 2011, procures, continues, or renews surplus lines insurance for which this
State is the home state of the insured, other than lines procured through an
insurance broker pursuant to part III of this article, shall, within forty-five
days after the end of the calendar quarter in which the insurance was procured,
continued, or renewed, file a written report with the commissioner on a form
prescribed by the commissioner that includes:
(1) The name and address of the insured or insureds;
(2) The name and address of the insurer;
(3) The subject of the insurance;
(4) A general description of the coverage;
(5) The itemized amount of [premium] premiums,
taxes, and fees currently charged [therefor; and] for each state;
(6) The policy number, effective date of the policy, and home state of the insurer; and
[(6)] (7) [Such] Other
additional, pertinent information [as is reasonably] requested by
the commissioner.
(c) Gross premiums charged for the surplus
lines insurance[,] allocable to this State, less any return
premiums, are subject to a tax at the rate of 4.68 per cent. At the time of filing
the report required in subsection (b)[,] for insurance procured, continued,
or renewed after June 30, 2011, if this State is the home state of the insured,
the insured shall pay the tax and fees of this State and all other states
to the director of finance, through the commissioner. If this State
is not the home state of the insured, the insured shall pay the tax and fees of
this State to the home state of the insured.
As used in this subsection, "gross
premiums" mean the amount of the policy or coverage premium charged by the
insurer in consideration for the insurance contract[. Any];
provided that charges for policy, survey, inspection, service, or similar
fees or other charges added by the broker shall not be considered part of gross
premiums.
(d) If an independently procured policy covers risks or exposures only partially located or to be performed in this State, the tax payable shall be computed on the portion of the premium properly attributable to the risks or exposures located or to be performed in this State.
(e) Delinquent taxes shall bear interest at the rate of ten per cent per annum.
(f) This section does not abrogate or modify, and shall not be construed or deemed to abrogate or modify, any provision of section 431:8-202 or any other provision of this code.
(g) This section shall not apply to life insurance, accident and health or sickness insurance, or annuities."
SECTION 8. Section 431:8-301, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-301 Insurance placed with
unauthorized insurer permitted. (a) In addition to section
431:8-205, insurance may be procured from an unauthorized insurer;
provided[:] that the:
(1) [The insurance] Insurance is
procured through a [licensed] surplus lines broker[;] licensed
in the insured's home state;
(2) [The full] Full amount or kind of
insurance cannot be obtained from insurers who are authorized to do business in
this State; provided that a diligent search is made among the insurers who are
authorized to transact and are actually writing the particular kind and class
of insurance in this State each time [such] the insurance is
placed or renewed;
(3) [The surplus] Surplus lines
insurance procured is in addition to or in excess of the amount and coverage
which can be procured from the authorized insurers; and
(4) [The insurance] Insurance is not
procured at a rate lower than the lowest rate which is generally acceptable to
authorized insurers transacting that kind of business and providing insurance
affording substantially the same protection.
(b) A surplus lines broker is not required to make a due diligence search to determine whether the full amount or type of insurance can be obtained from authorized insurers when the broker is seeking to procure or place surplus lines insurance for an exempt commercial purchaser; provided that the:
(1) Broker procuring or placing the surplus lines insurance has disclosed to the exempt commercial purchaser that the insurance may or may not be available from the authorized market that may provide greater protection with more regulatory oversight; and
(2) Exempt commercial purchaser has subsequently requested in writing for the broker to procure or place the insurance from an unauthorized insurer."
SECTION 9. Section 431:8-302, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-302 Surplus lines [in
solvent] insurers. (a) No surplus lines broker shall, either
knowingly or without reasonable investigation of the financial condition and
general reputation of the insurer, place insurance with a financially
unsound [insurers] insurer or with [insurers] an
insurer engaging in an unfair [practices.] practice.
[(b) Before placing insurance with any
unauthorized insurer, the broker shall ascertain the financial condition of the
insurer and:
(1) In the case of a foreign insurer, shall
maintain in the broker's office a current certificate, in proper form, from the
regulatory authority in the domicile of the unauthorized insurer, to the effect
that the insurer has capital and surplus, or its equivalent under the laws of
its domiciliary jurisdiction, which equals the minimum capital and surplus
requirements of this State for that kind of insurer as set out in article 3; or
(2) In the case of an alien insurer, shall
maintain in the broker's office evidence of the financial responsibility of the
insurer. Evidence satisfactory to the commissioner that the insurer
maintains in the United States an irrevocable trust fund in either a national
bank or a member of the Federal Reserve System in an amount not less than
$5,400,000 for the protection of all its policyholders in the United States
consisting of cash, securities, letters of credit, or of investments of
substantially the same character and quality as those which are eligible investments
for the capital and statutory reserves of authorized insurers writing like
kinds of insurance in this State, shall constitute prima facie evidence of
responsibility.
Upon request by the commissioner, the broker
shall immediately submit to the commissioner the items described in this
subsection.
(c) The requirements of this section
may be satisfied by an insurer possessing less than the capital and surplus set
forth in subsection (b) upon an affirmative finding of acceptability by the
commissioner. The finding shall be based upon such factors as quality of
management, capital and surplus of parent company, company underwriting profit
and investment income trends, and company record and reputation within the
industry. In no event shall the commissioner make an affirmative finding
of acceptability when the surplus lines insurer's capital and surplus is less
than $500,000.]
(b) A surplus lines broker may place surplus lines insurance only with insurers who are authorized to write that type of insurance in the insurer's domiciliary state.
(c) A surplus lines broker shall not place coverage with an unauthorized insurer unless, at the time of placement, the surplus lines broker has determined that the unauthorized insurer has capital and surplus or its equivalent under the laws of its domiciliary state that equal the greater of:
(1) The minimum capital requirement of this State or $15,000,000; provided that minimum capital requirements may be satisfied by the insurer's possessing less than the minimum capital and surplus upon an affirmative finding of acceptability by the commissioner; provided further that:
(A) A finding of acceptability pursuant to paragraph (1) shall be based upon factors such as quality of management, capital and surplus of any parent company, company underwriting profit and investment income trends, market availability, and company record and reputation within the industry;
(B) The commissioner shall not make an affirmative finding of acceptability pursuant to paragraph (1) if the unauthorized insurer's capital and surplus is less than $4,500,000; or
(2) For an insurer not domiciled in the United States or its territories, the insurer shall be listed on the Quarterly Listing of Alien Insurers maintained by the National Association of Insurance Commissioners International Insurers Department; provided that for an alien insurer that is not in the Quarterly Listing of Alien Insurers, the surplus lines broker shall maintain in the broker's office evidence of the financial responsibility of the insurer; provided further that evidence satisfactory to the commissioner that the insurer maintains in the United States an irrevocable trust fund in either a national bank or a member of the Federal Reserve System in an amount of not less than $5,400,000 consisting of cash, securities, letters of credit, or of investments of substantially the same character and quality as those which are eligible investments for the capital and statutory reserves of authorized insurers writing like kinds of insurance in this State for the protection of all its policyholders in the United States, shall constitute prima facie evidence of responsibility.
(d) The commissioner is authorized to enter into a cooperative agreement or interstate agreement or compact to establish additional and alternative nationwide uniform eligibility requirements that shall be applicable to unauthorized insurers domiciled in another state."
SECTION 10. Section 431:8-305, Hawaii Revised Statutes, is amended by amending subsection (a) to read as follows:
"(a) Upon placing surplus lines insurance, the surplus lines broker shall as soon as reasonably possible deliver to the insured the policy, or if the policy is not available, the surplus lines broker's certificate, cover note, binder or other evidence of insurance. Any confirmation of insurance shall be executed by the surplus lines broker and shall show the following:
(1) The policy number, effective date, home state,
and the description and location of the subject of the insurance[,];
(2) A general description of the coverages, including
any material limitations other than those in standard forms[,];
(3) The premium and rate charged[,] itemized
by state;
(4) The taxes and fees to be collected from
the insured[,] itemized by state;
(5) The name and address of the insured[,];
(6) The name and address of the insurer[,];
(7) If the direct risk is assumed by more than one
insurer, the certificate shall state the name and address and proportion of the
entire direct risk assumed by each insurer[,]; and
(8) The name of the surplus lines broker and such broker's license number."
SECTION 11. Section 431:8-312, Hawaii Revised Statutes, is amended by amending subsection (a) to read as follows:
"(a) Each licensed surplus lines broker shall keep in the broker's office in this State a full and true record of each surplus lines contract placed by the broker including a copy of the policy, certificate, cover note, or other evidence of insurance showing such of the following items as may be applicable:
(1) Amount of the insurance and perils insured;
(2) Brief description of the property insured and its location;
(3) Gross premium, taxes, and fees charged[;]
itemized by each state;
(4) Any return premium, taxes, and fees paid[;]
itemized by each state;
(5) Rate of premium charged upon the several items of property;
(6) Effective date of the contract, and the terms thereof;
(7) Name [and], address, and home
state of the insured;
(8) Name and address of the insurer;
(9) Amount of tax and other sums to be collected from
the insured[;] itemized by each state; and
(10) Any additional information required by the commissioner."
SECTION 12. Section 431:8-313, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-313 Surplus lines broker's [annual
statement.] reports to the commissioner. (a) Each
surplus lines broker shall file with the commissioner on or before March 15 [of
each year], 2011, a verified statement of all surplus lines
insurance transacted during [the preceding calendar year.] 2010.
Each surplus lines broker shall file with the commissioner on or before
September 15, 2011, a verified statement of all surplus lines insurance
transacted after December 31, 2010, and before July 1, 2011. After June 30,
2011, each surplus lines broker shall file with the commissioner within
forty-five days of the end of each calendar quarter a verified statement of all
surplus lines insurance transacted during the calendar quarter as follows:
(1) The statement for the quarter ending March 31 shall be filed on or before May 15;
(2) The statement for the quarter ending June 30 shall be filed on or before August 15;
(3) The statement for the quarter ending September 30 shall be filed on or before November 15; and
(4) The statement for the quarter ending December 31 shall be filed on or before February 15.
(b) The statement shall be on forms as prescribed and furnished by the commissioner and shall show:
(1) Gross amount of premiums for each kind of insurance transacted;
(2) Aggregate gross premiums charged[;] itemized
by each state;
(3) Aggregate of returned premiums paid to insureds[;]
itemized by each state;
(4) Aggregate of net premiums[;] and fees
itemized by each state;
(5) Amount of aggregate [tax] taxes and
fees remitted[;] itemized by each state; and
(6) Additional information as required by the commissioner."
SECTION 13. Section 431:8-315, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-315 Tax on surplus lines. (a)
[On or before March 15 of each year,] On or before March 15, 2011,
each surplus lines broker shall pay to the director of finance, through the
commissioner, a premium tax on surplus lines insurance transacted by [such]
the broker during [the preceding calendar year.] 2010. On or
before September 15, 2011, each surplus lines broker shall pay to the director
of finance, through the commissioner, a premium tax on surplus lines insurance
transacted by the broker after December 31, 2010, and before July 1, 2011.
After June 30, 2011, within forty-five days after the end of each calendar
quarter, each surplus lines broker shall pay to the director of finance,
through the commissioner, a premium tax on surplus lines insurance transacted
by the broker during the calendar quarter for insurance for which this State is
the home state of the insured. The tax rate shall be in the amount
of 4.68 per cent of gross premiums, less return premiums, on [taxable]
surplus lines insurance[.] allocated to this State. The tax rate and
fees of other states shall be applied to the gross premiums, less return premiums,
allocated to those states.
(b) The commissioner shall collect the taxes and fees on independently procured surplus lines insurance and from surplus lines licensees and disburse to the other states the funds allocated to that state; provided that the other state has a reciprocal allocation and disbursement procedure for the benefit of this State. To the extent that other states where portions of the properties, risks, or exposures reside have failed to establish a reciprocal allocation and disbursement procedure with this State, the net premium tax collected shall be retained by this State.
As used in this subsection, "gross premiums" mean the amount of the policy or coverage premium charged by the insurer in consideration for the insurance contract. Any charges for policy, survey, inspection, service, or similar fees or other charges added by the broker shall not be considered part of gross premiums.
[(b)] (c) If a surplus lines
policy covers risks or exposures only partially resident in this State,
the tax so payable shall be computed upon the proportion of the premium which
is properly allocable to the risks or exposures located in this State. The
taxes and fees payable to this State on policies that cover risks and exposures
only partially resident in this State shall be remitted, on the quarterly
schedule, to the home state of the insured for disbursement to this State.
[(c)] (d) The tax on any portion
of the premium unearned at the termination of the insurance contract
shall be returned to the policyholder.
(e) The commissioner may enter into a cooperative agreement, reciprocal agreement, or compact with other states to facilitate and provide for the collection, allocation, and disbursement of premium taxes attributable to the placement of surplus lines insurance; provide for uniform methods of allocation and reporting among surplus lines insurance risk classifications; conform to the requirements of the federal Nonadmitted and Reinsurance Reform Act of 2010; and share information among states relating to surplus lines insurance premium taxes. The commissioner:
(1) May establish a uniform statewide rate of taxation applicable to surplus lines insurance that shall be collected by other states; provided that the rate shall encompass all existing rates of taxation, fees, and assessments imposed by this State and any of its political subdivisions; provided further that the commissioner shall document the method by which the statewide rate is calculated;
(2) May utilize a method adopted in cooperation with other states to allocate risk and compute the tax due on the portion of premium attributable to each risk classification and to each state where properties, risks, or exposures are located;
(3) Shall assess the insured for the cost of the cooperative agreement, reciprocal agreement, or compact to collect and distribute the premium taxes; and
(4) Shall, upon application of the insured, refund the insured for excess payments of taxes received by the State that are the result of the statewide tax rate."
SECTION 14. Section 431:8-316, Hawaii Revised Statutes, is amended to read as follows:
"§431:8-316 Penalty for failure to file statement or remit tax. (a) If any surplus lines broker fails to:
(1) File [an annual statement;] statements
required by section 431:8-313; or
(2) Pay the premium tax required by section 431:8-315 when the tax is due,
the surplus lines broker may be liable for a fine of up to $25 for each day of delinquency.
(b) The commissioner may:
(1) Collect the premium tax required by section 431:8-315 by distraint;
(2) Recover the premium tax required by section 431:8-315 and fine for failure to pay the premium tax by instituting an action in any court of competent jurisdiction; or
(3) Recover the fine for failure to file [the
annual statement] a statement required pursuant to section 431:8-313
by instituting an action in any court of competent jurisdiction."
SECTION 15. Section 431:8-317, Hawaii Revised Statutes, is amended by amending subsection (a) to read as follows:
"(a) The commissioner may suspend, revoke, or refuse to extend any surplus lines broker's license for any cause specified in any other provision of this chapter, or for any of the following causes:
(1) Failure to file [the annual] a
statement required by section 431:8-313 or to pay the tax required by section
431:8-315;
(2) Failure to keep records or to allow the commissioner to examine the surplus lines broker's records as provided in this article;
(3) Removal of office accounts and records from this State during the period in which the accounts are required to be maintained under this article;
(4) Any of the causes for which a producer's license may be suspended or revoked under article 9A;
(5) Any cause for which issuance of the license could have been refused had it then existed and been known to the commissioner;
(6) If the licensee wilfully violates or knowingly participates in the violation of any provision of this code;
(7) If the licensee has obtained or attempted to obtain the license through wilful misrepresentation or fraud, or has failed to pass any examination required by section 431:9A-105;
(8) If the licensee has misappropriated, converted to the licensee's own use, or illegally withheld moneys required to be held in a fiduciary capacity;
(9) If the licensee, with intent to deceive, has
materially misrepresented the terms or effect of any insurance contract[,]
or has engaged or is about to engage in any fraudulent transaction;
(10) If the licensee has been guilty of any unfair practice or fraud as defined in article 13;
(11) If in the conduct of the licensee's affairs under the license, the licensee has been a source of injury and loss to the public;
(12) If the licensee issues or purports to issue any binder as to any insurer named therein as to which the licensee is not then authorized so to bind; or
(13) If the licensee has dealt with[,] or
attempted to deal with[,] insurance or to exercise powers relative to
insurance outside the scope of the licensee's licenses."
SECTION 16. The Insurance Commissioner shall submit recommendations for legislation pertaining to and enabling the Insurance Commissioner to participate fully in the multistate cooperative agreement, interstate agreement, reciprocal agreement, or compact for the collection and distribution of surplus lines premium taxes and fees created pursuant the Nonadmitted and Reinsurance Reform Act of 2010 to the 2012 Legislature for adoption by the Legislature.
SECTION 17. Statutory material to be repealed is bracketed and stricken. New statutory material is underscored.
SECTION 18. This Act shall take effect upon its approval.
Report Title:
Insurance
Description:
Amends the insurance code to comply with the federal Nonadmitted and Reinsurance Reform Act of 2010 and to authorize the Insurance Commissioner to participate in a multistate cooperative to collect surplus lines premium taxes and fees and distribute them to the applicable states. (SD1)
The summary description of legislation appearing on this page is for informational purposes only and is not legislation or evidence of legislative intent.
