SPEAKER INDEX    CONTENTS   INSERTS   
BAINTER         20     23     26     27     30     31  
CHAPLIN         48  
DIAZ-BALART     6     15  
LAZIO            1      5      8     13     14     15     19     20     22  
                26     27     29     31     36     40     44     48     49  
                50     52  
MCCOLLUM         4     13     20     22     23     25     26     29     30  
                31     44     45     46     47     49     52  
NELSON          16     23     24     25     26     28     29     30     31  
NICHOLSON       32     45     46     47     49  
NORCROSS         9  
NUTTER          36     47     50  
ROS-LEHTINEN    14  
SOTO            41     44     45     51  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. BILL McCOLLUM, A REPRESENTATIVE IN CONGRESS FROM THE 8th DISTRICT OF FLORIDA
                                                                 PAGE     4

STATEMENT OF HON. LINCOLN DIAZ-BALART, A REPRESENTATIVE IN CONGRESS FROM THE 21st DISTRICT OF 
FLORIDA
                                                                 PAGE     6

STATEMENT OF BRYAN NORCROSS, DIRECTOR OF METEOROLOGY AND NEWS ANCHOR, WFOR–TV, CHANNEL 4, 
SOUTH FLORIDA
                                                                 PAGE     9

STATEMENT OF HON. ILEANA ROS-LEHTINEN, A REPRESENTATIVE IN CONGRESS FROM THE 18th DISTRICT OF 
FLORIDA
                                                                 PAGE    14

STATEMENT OF HON. BILL NELSON, STATE TREASURER AND INSURANCE COMMISSIONER, STATE OF FLORIDA
                                                                 PAGE    16

STATEMENT OF HON. STAN BAINTER, FLORIDA STATE HOUSE OF REPRESENTATIVES;  MEMBER, COMMITTEE ON 
FINANCIAL SERVICES, ECONOMIC IMPACT COUNCIL; IMMEDIATE PAST PRESIDENT OF THE NATIONAL CONFERENCE 
OF INSURANCE LEGISLATORS
                                                                 PAGE    19

STATEMENT OF DR. JACK NICHOLSON, Ph.D., CHIEF OPERATING OFFICER, FLORIDA HURRICANE CATASTROPHE FUND
                                                                 PAGE    32

STATEMENT OF FRANK NUTTER, PRESIDENT, REINSURANCE ASSOCIATION OF AMERICA
                                                                 PAGE    36

STATEMENT OF ALEX SOTO, PRESIDENT, PENNEKAMP AND SOTO INSURANCE AGENCY, MIAMI, FL, FORMER CHAIRMAN 
OF THE FLORIDA ASSOCIATION OF INSURANCE AGENTS
                                                                 PAGE    40


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING