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, WFORTV, 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