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