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


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