and so i want you to know that mr. grimm, mr. richmond, mr. cassidy, mrs. capito, all have worked very hard to make sure that we address the concerns of our constituents. let me tell you, with this bill, we're removing certain rate increase triggers, reinstating of grandfathering, lower rate increases, refund of excess premium charges to homeowners, affordability study and frameworks. adding to that, working with the bill the republicans brought to the floor, democrats added to it, individual property rates increase caps. affordability goals. rate increase protection for newly mapped properties. consumer protection. protection of small businesses, nonprofits, house of worship and residences. mr. speaker and members, again, this is a bill that will address the concerns and the outcry by our constituents, some of whom were experiencing 500% and 600% rate increases. i tried to work with the chearm and was disappointed that mr. hensarling saw differently. he does not support this bill and he said so. mr. neugebauer and mr. hensarling said they had come up with