SPEAKER INDEX Segment 1 of 2 Next Segment (2) CONTENTS INSERTS BAKER 51 52 BOEHLERT 15 18 19 22 25 27 28 31 33 34 36 63 65 66 67 68 69 70 71 73 76 77 82 83 84 86 90 91 92 93 94 97 99 101 105 106 108 113 114 115 116 118 122 BORSKI 17 18 94 95 96 97 115 116 117 118 CLARK 108 116 117 118 119 EMERSON 19 23 27 30 31 33 34 41 43 44 46 49 51 53 54 57 59 60 71 73 77 78 79 80 97 EWING 26 FAZIO 22 23 FRAZER 46 49 51 HOFFMAN 106 120 HORN 44 46 118 120 121 122 HUNTER 101 105 HUTCHINSON 42 44 KEATING 97 100 113 114 115 116 120 121 122 KLAGHOLTZ 83 84 91 MCCOLLUM 20 MURPHY 63 66 70 PAULISON 86 91 92 POMEROY 53 55 57 60 QUAKENBUSH 61 65 66 67 68 69 70 71 73 SNYDER 74 76 77 WEBER 78 79 81 82 90 91 92 93 94 95 96 WELDON 37 CONTENTS SPEAKERS INSERTS TESTIMONY OF HON. BILL McCOLLUM, A REPRESENTATIVE IN CONGRESS FROM FLORIDA PAGE 20 TESTIMONY OF HON. VIC FAZIO, A REPRESENTATIVE IN CONGRESS FROM CALIFORNIA PAGE 22 TESTIMONY OF HON. THOMAS W. EWING, A REPRESENTATIVE IN CONGRESS FROM ILLINOIS PAGE 26 TESTIMONY OF HON. BILL EMERSON, A REPRESENTATIVE IN CONGRESS FROM MISSOURI PAGE 30 TESTIMONY OF HON. CURT WELDON, A REPRESENTATIVE IN CONGRESS FROM PENNSYLVANIA PAGE 37 TESTIMONY OF HON. TIM HUTCHINSON, A REPRESENTATIVE IN CONGRESS FROM ARKANSAS PAGE 42 TESTIMONY OF HON. STEVE HORN, A REPRESENTATIVE IN CONGRESS FROM CALIFORNIA PAGE 44 TESTIMONY OF HON. VICTOR O. FRAZER, U.S. DELEGATE FROM THE U.S. VIRGIN ISLANDS PAGE 46 TESTIMONY OF HON. BILL BAKER, A REPRESENTATIVE IN CONGRESS FROM CALIFORNIA PAGE 51 TESTIMONY OF HON. EARL POMEROY, A REPRESENTATIVE IN CONGRESS FROM NORTH DAKOTA PAGE 55 TESTIMONY OF CHUCK QUAKENBUSH, INSURANCE COMMISSIONER, STATE OF CALIFORNIA; AND SUSANNE MURPHY, DEPUTY INSURANCE COMMISSIONER, STATE OF FLORIDA PAGE 61 TESTIMONY OF RICK SNYDER, PRESIDENT-ELECT, CALIFORNIA ASSOCIATION OF REALTORS PAGE 74 TESTIMONY OF JACK WEBER, EXECUTIVE DIRECTOR, NATURAL DISASTER COALITION; JAMES R. KLAGHOLZ, SECRETARY-TREASURER, CLAYTON N. STERLING ASSOCIATES, INC., SEASIDE PARK, NJ, AND CHAIRMAN, GOVERNMENT AFFAIRS COMMITTEE, INDEPENDENT INSURANCE AGENTS OF AMERICA; R.D. PAULISON, FIRST VICE PRESIDENT, INTERNATIONAL ASSOCIATION OF FIRE CHIEFS, AND DIRECTOR, METRO-DADE FIRE RESCUE DEPARTMENT PAGE 77 TESTIMONY OF DAVID L. KEATING, EXECUTIVE VICE PRESIDENT, NATIONAL TAXPAYERS UNION; J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA; SCOTT HOFFMAN, DIRECTOR OF OPERATIONS, AMERICANS FOR TAX REFORM; AND JORDAN CLARK, PRESIDENT, UNITED HOMEOWNERS ASSOCIATION PAGE 97 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING