SPEAKER INDEX CONTENTS INSERTS BEREUTER 4 19 20 21 BUPP 56 69 70 BUTLER 24 35 36 37 39 41 42 43 EMERSON 8 11 GRAY 12 13 17 18 19 20 21 22 23 JACKSON 5 11 KLAGHOLZ 60 64 65 66 67 KLEIN 31 37 38 39 LAZIO 1 5 6 7 8 10 11 12 13 17 18 19 21 22 23 24 27 31 35 36 37 38 40 45 50 52 56 60 64 65 66 67 68 69 70 MCCOLLUM 6 7 11 45 46 47 48 49 50 METCALF 21 22 NEY 40 41 42 43 44 45 SUMNER 27 37 39 40 44 45 46 47 48 49 50 THOMAS 52 67 68 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. BILL McCOLLUM, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF FLORIDA PAGE 6 STATEMENT OF HON. JO ANN EMERSON, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MISSOURI PAGE 8 STATEMENT OF DR. WILLIAM M. GRAY, PH.D., PROFESSOR OF ATMOSPHERIC SCIENCE, COLORADO STATE UNIVERSITY PAGE 13 STATEMENT OF MR. GREGORY BUTLER, CHIEF EXECUTIVE OFFICER, CALIFORNIA EARTHQUAKE FUND PAGE 24 STATEMENT OF MR. DANIEL Y. SUMNER, GENERAL COUNSEL, FLORIDA DEPARTMENT OF INSURANCE PAGE 27 STATEMENT OF DR. ROBERT W. KLEIN, PH.D., DIRECTOR, CENTER FOR RISK MANAGEMENT AND INSURANCE RESEARCH, GEORGIA STATE UNIVERSITY PAGE 31 STATEMENT OF MR. JERRY L. THOMAS, CHAIRMAN, QUAKER CITY SAVINGS BANK, WHITTIER CA, ON BEHALF OF THE WESTERN LEAGUE OF SAVINGS INSTITUTIONS PAGE 52 STATEMENT OF MR. STEVEN BUPP, PRESIDENT, CONDOMINIUM VENTURE, INC., GREENBELT MD PAGE 56 STATEMENT OF MR. JAMES R. KLAGHOLZ, INSURANCE AGENT AND SECRETARY-TREASURER, C.N. STERLING ASSOCIATES, INC., SEASIDE PARK NJ PAGE 60 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING