It is pretty much non-existent in my company unless you are a part of the executive leadership committee (even then I would argue the effort portion is significantly smaller than their reward portion) but its better than where I am. 

The bill goes before the Transportation, Housing and Local Government committee on March 1.

That is when it goes to committee and then the VP or President comes back and says real rate and term is XYZ and buyer has already spent big funds up until that point.

While most commercial lenders will gather a financial statement and two years’ tax returns on each borrower, few Loan Committees spend more than 30 to 45 seconds flipping throughout them."

On the other side of this issue, February 2020 my company engaged Los Angeles on a PPP to build an apartment building on a lot they own that hasn't been used in 47 years, it went to the city council housing committee as they have first right of refusal before it can go the PPP route.

The pain and cost of refinancing disrupts my nap schedule so I usually just reach over and pay them off when they bother me for my financials, adjust my rate, have calls, balloons, committee meetings, or rates are above 6%. 

Volunteer for a committee or run for a Board seat...get involved to make sure the Board is actually fulfilling their fiduciary duty by operating properly and meeting their responsibilities as defined in NJ law and their own By-Laws.

The Feds rate cutting committee, the FOMC, will remain data dependent, track leading indicators, and will err on the side of being late to cut, rather than early.

JP is still fighting inflation and must stay the course to avoid the entire fed committee looking like fools by yoyoing the rate up and down in such a short period of time...

You must learn that the rules of money have changed.On June 5, 1986 H.R.3838 (Tax Reform Act Of 1986) As Reported By The Senate Committee On Finance, was passed into law.