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