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Voters in six states will consider referenda in November balloting that either directly or indirectly affect the insurance industry.

CALIFORNIA: Campaign funding Proposition 89 proposes changing funding options for state political campaigns for candidates and ballot measures. It proposes allowing campaigners to choose between taking public funding or having lower caps on the amount of political contributions they can accept.

COLORADO: Conduct standards Amendment 41 proposes banning most public officers, members of the General Assembly, local government officials and government employees from soliciting or accepting certain monetary or in-kind gifts. It also proposes prohibiting professional lobbyists from giving anything of value to them or to members of their immediate family.

The amendment proposes a two-year period before a former statewide elected officeholder or member of the General Assembly can represent a person or entity for compensation before any other officeholder.

It also proposes creating a five-member, independent ethics commission that would hear complaints and assess penalties.

FLORIDA: Broader support for constitutional changes

Amendment 3 proposes that any constitutional change be approved by at least 60% of the voters in an election, rather than by a simple majority. Proposed amendments imposing a new state tax or fee would still require approval by at least two-thirds of the voters in an election, however.

MONTANA: Officials

Constitutional Amendment 43 proposes changing the name of the state auditor post to insurance commissioner.

Initiative 153 proposes a two-year period before former state legislators, elected or appointed officials, department directors and their personal staff can be licensed as a lobbyist or engage in related activity.

OREGON: Bans credit scoring Ballot Measure 42 proposes banning life insurance companies from using credit score or "credit worthiness" in calculating rates or premiums.

SOUTH DAKOTA: Create special grand jury Constitutional Amendment E proposes allowing 13 special grand jurors to expose decision makers--including judges as well as members of school boards, city councils and county commissions--to fines and jail for making decisions that break rules that are defined by the grand jurors. The proposed amendment, which would apply retroactively, also would strip decision makers of public insurance coverage and up to one-half of their retirement benefits.