SPEAKER INDEX Segment 1 of 3 Next Segment (2) CONTENTS INSERTS BAKER 9 44 45 46 47 48 107 108 109 BEARD 88 104 105 106 115 116 121 132 151 152 BENTSEN 60 61 62 63 128 129 130 131 132 133 BIGGERT 142 143 144 CREIGHTON 167 174 178 179 188 FINK 92 116 121 122 148 149 GONZALEZ 151 GREEN 144 145 GREENWOOD 153 175 176 177 178 187 188 192 199 HILL 63 64 65 66 67 123 124 125 126 127 128 182 183 184 185 186 187 189 HUBER 24 30 40 46 47 59 64 65 66 67 72 73 75 INSLEE 69 JONES 69 70 73 80 111 112 114 120 121 129 130 132 137 138 139 140 141 142 147 189 190 191 192 193 194 195 196 197 198 200 201 KANJORSKI 10 44 48 KELLY 57 58 59 60 114 115 116 117 119 KILBRIDE 163 195 196 197 198 199 KOMANSKY 12 29 34 38 42 47 48 52 58 59 61 LAFALCE 2 30 32 33 36 54 73 106 146 147 148 149 150 151 LEACH 1 5 7 9 10 12 15 18 24 28 30 33 37 40 43 44 48 51 53 56 57 60 63 67 69 71 73 75 76 80 83 84 88 92 96 102 105 106 109 113 119 123 128 129 133 137 140 142 144 145 151 152 156 159 163 166 170 174 175 176 179 182 184 189 194 198 200 201 MCCOLLUM 33 34 35 36 MCCOY 18 30 32 33 36 43 46 54 55 56 59 63 68 70 MCQUILLAN 84 108 109 114 119 120 121 122 123 131 136 141 147 148 MENEFEE 171 183 185 186 191 PATTERSON 15 30 35 42 45 53 58 60 62 POPE 156 179 180 181 184 185 187 193 194 RHULEN 160 182 185 188 189 190 192 193 197 201 ROUKEMA 5 40 42 43 ROYCE 51 53 RYAN 72 73 SHERMAN 67 68 SMITH 96 112 116 117 121 122 124 125 126 127 134 135 136 143 144 145 150 151 SWEENEY 133 135 136 137 198 199 200 VENTO 7 37 39 40 109 111 112 113 WATT 53 54 55 56 57 119 120 121 122 123 176 177 178 179 180 181 182 183 184 ZUCKERBERG 76 CONTENTS SPEAKERS INSERTS STATEMENT OF DAVID H. KOMANSKY, CHAIRMAN AND CEO, MERRILL LYNCH & CO., INC. PAGE 12 STATEMENT OF MICHAEL E. PATTERSON, VICE CHAIRMAN, J.P. MORGAN & CO. AND CHAIRMAN, FINANCIAL SERVICES COUNCIL PAGE 15 STATEMENT OF JOHN B. McCOY, PRESIDENT AND CEO, BANK ONE CORPORATION PAGE 18 STATEMENT OF RICHARD L. HUBER, CHAIRMAN, PRESIDENT, AND CEO, AETNA INC. PAGE 24 STATEMENT OF ROY J. ZUCKERBERG, LIMITED PARTNER, GOLDMAN, SACHS & CO., AND CHAIRMAN, SECURITIES INDUSTRY ASSOCIATION PAGE 76 STATEMENT OF R. SCOTT JONES, CHAIRMAN AND CEO, GOODHUE COUNTY NATIONAL BANK, RED WING, MN, AND PRESIDENT, AMERICAN BANKERS ASSOCIATION PAGE 80 STATEMENT OF WILLIAM L. McQUILLAN, CHAIRMAN, PRESIDENT, AND CEO, THE CITY NATIONAL BANK, GREELEY, NE, AND PRESIDENT, INDEPENDENT BANKERS ASSOCIATION OF AMERICA PAGE 84 STATEMENT OF E. LEE BEARD, PRESIDENT AND CEO, FIRST FEDERAL BANK, HAZLETON, PA, AND CHAIR, AMERICA'S COMMUNITY BANKERS PAGE 88 STATEMENT OF MATTHEW P. FINK, PRESIDENT, INVESTMENT COMPANY INSTITUTE PAGE 92 STATEMENT OF MICHAEL P. SMITH, PRESIDENT, NEW YORK BANKERS ASSOCIATION PAGE 96 STATEMENT OF WILLIAM B. GREENWOOD, PRESIDENT, LAWTON INSURANCE, CENTRAL CITY, KY, AND PRESIDENT, INDEPENDENT INSURANCE AGENTS OF AMERICA PAGE 153 STATEMENT OF MARK A. POPE, VICE PRESIDENT AND DIRECTOR OF FEDERAL RELATIONS, LINCOLN NATIONAL CORPORATION, FORT WAYNE, IN, ON BEHALF OF THE AMERICAN COUNCIL OF LIFE INSURANCE PAGE 156 STATEMENT OF HARRY RHULEN, CHAIRMAN, PRESIDENT AND CEO, FRONTIER INSURANCE GROUP INC., ROCK HILL, NY, ON BEHALF OF THE AMERICAN INSURANCE ASSOCIATION PAGE 159 STATEMENT OF JAMES J. KILBRIDE, CHAIRMAN AND CEO, MORSE, PAYSON & NOYES INSURANCE, PORTLAND, ME, AND CHAIRMAN, COUNCIL OF INSURANCE AGENTS AND BROKERS PAGE 163 STATEMENT OF DAVID O. CREIGHTON, SR., PRESIDENT, BRYTON COMPANIES, WEST DES MOINES, IA, ON BEHALF OF THE NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS PAGE 166 STATEMENT OF W. NEAL MENEFEE, PRESIDENT AND CEO, ROCKINGHAM MUTUAL INSURANCE GROUP, ON BEHALF OF THE NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES PAGE 170 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING