SPEAKER INDEX CONTENTS INSERTS BENTSEN 68 70 71 BOURIAUX 124 153 BROWN 184 191 192 193 208 CAMPION 102 156 157 158 CHRISTIAN-GREEN 25 32 CLARK 187 207 COOK 17 DOWDELL 79 86 87 93 94 95 97 100 EMERSON 18 22 28 31 32 FAZIO 19 30 31 FOLEY 177 FREEDMAN 107 108 110 111 152 HEIMBUCH 164 167 168 209 HILL 63 64 65 66 67 68 HOOLEY 16 HUNTER 177 JOSLIN 119 122 140 141 147 158 KANJORSKI 196 199 202 203 205 206 209 210 211 212 213 KELLY 14 15 55 56 57 58 93 94 95 96 KENNEDY 49 51 52 54 KILPATRICK 17 30 31 32 KNOWLES 82 87 89 90 91 92 94 95 97 98 99 100 LAFALCE 3 28 42 43 LANAUX 161 LAZIO 10 29 46 48 49 89 93 96 97 98 99 100 134 140 144 148 150 151 152 153 154 159 202 203 205 206 207 209 210 211 212 213 214 LEACH 1 5 7 10 13 14 15 16 17 18 22 25 27 28 29 33 34 35 38 42 44 45 46 49 54 55 58 63 68 71 74 77 78 79 82 85 96 100 102 106 107 108 109 110 111 112 116 119 122 124 128 130 160 164 167 168 174 177 183 187 191 196 LEWIS 168 194 195 MALONEY 71 73 MCCOLLUM 5 7 27 39 41 42 85 86 87 88 89 140 141 143 154 155 156 157 158 159 191 192 193 194 195 196 198 199 MUSULIN 116 151 NUTTER 128 143 148 149 152 156 O'HANLON 130 154 PIKE 113 142 146 148 150 158 ROUKEMA 33 ROYBAL-ALLARD 8 SHERMAN 74 77 89 90 91 92 93 144 145 146 147 148 SUMMERS 35 40 42 43 44 45 46 47 48 50 51 52 53 54 55 56 57 58 59 60 62 64 65 66 67 70 71 72 73 76 77 78 VENTO 58 59 61 62 63 89 WATT 13 WEBER 135 140 145 155 WELDON 71 WEYGAND 33 WHATLEY 174 194 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. VIC FAZIO, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF CALIFORNIA PAGE 18 STATEMENT OF HON. JO ANN EMERSON, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MISSOURI PAGE 22 STATEMENT OF HON. DONNA M. CHRISTIAN-GREEN, A DELEGATE IN CONGRESS FROM THE U.S. VIRGIN ISLANDS PAGE 25 STATEMENT OF HON. LAWRENCE H. SUMMERS, DEPUTY SECRETARY, UNITED STATES DEPARTMENT OF THE TREASURY PAGE 34 STATEMENT OF HON. DONALD A. DOWDELL, DEPUTY GENERAL COUNSEL, DEPARTMENT OF INSURANCE, STATE OF FLORIDA PAGE 79 STATEMENT OF HON. DAVID KNOWLES, CHIEF DEPUTY INSURANCE COMMISSIONER, DEPARTMENT OF INSURANCE, STATE OF CALIFORNIA PAGE 82 STATEMENT OF KEVIN T. CAMPION, SENIOR VICE PRESIDENT, PARAGON REINSURANCE RISK MANAGEMENT SERVICES, INC. PAGE 102 STATEMENT OF JOEL FREEDMAN, SENIOR VICE PRESIDENT, THE HARTFORD FINANCIAL SERVICES GROUP PAGE 107 STATEMENT OF ROBERT W. PIKE, SENIOR VICE PRESIDENT, SECRETARY AND GENERAL COUNSEL, ALLSTATE INSURANCE COMPANY PAGE 113 STATEMENT OF RADE T. MUSULIN, VICE PRESIDENT AND ACTUARY, FLORIDA FARM BUREAU INSURANCE COMPANY PAGE 116 STATEMENT OF ROGER JOSLIN, CHAIRMAN OF THE BOARD, STATE FARM FIRE AND CASUALTY COMPANY PAGE 119 STATEMENT OF SYLVIE BOURIAUX, GROUP MANAGER, FINANCIAL PRODUCTS, CHICAGO BOARD OF TRADE PAGE 124 STATEMENT OF FRANKLIN W. NUTTER, PRESIDENT, REINSURANCE ASSOCIATION OF AMERICA PAGE 128 STATEMENT OF ISOLDE G. O'HANLON, MANAGING DIRECTOR, CHASE SECURITIES, INC. PAGE 130 STATEMENT OF JACK F. WEBER, PRESIDENT, HOME INSURANCE FEDERATION OF AMERICA PAGE 134 STATEMENT OF PIERRE B. LANAUX, PRESIDENT, LANAUX CONSTRUCTION, NEW ORLEANS, LA, ON BEHALF OF THE NATIONAL ASSOCIATION OF HOME BUILDERS PAGE 160 STATEMENT OF BABETTE HEIMBUCH, PRESIDENT AND CEO, FIRST FEDERAL BANK OF CALIFORNIA ON BEHALF OF THE WESTERN LEAGUE OF SAVINGS INSTITUTIONS PAGE 164 STATEMENT OF CHRISTOPHER M. LEWIS, SENIOR MANAGER, RISK MANAGEMENT GROUP, PEQA GROUP, ERNST & YOUNG LLP PAGE 168 STATEMENT OF CATHERINE WHATLEY, PRESIDENT, BUCK & BUCK, INC., JACKSONVILLE, FL, ON BEHALF OF THE NATIONAL ASSOCIATION OF REALTORS PAGE 174 STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA (JOINT STATEMENT WITH CONSUMERS UNION) PAGE 177 STATEMENT OF CHARLES T. BROWN, VICE PRESIDENT, BAKER WELMAN BROWN INSURANCE AND FINANCIAL SERVICES, KENNETT, MO., ON BEHALF OF THE INDEPENDENT INSURANCE AGENTS OF AMERICA PAGE 183 STATEMENT OF JORDAN CLARK, PRESIDENT, UNITED HOMEOWNERS' ASSOCIATION PAGE 187 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING