SPEAKER INDEX    CONTENTS   INSERTS   
ANDERS          13     33     34     37     38     39     52  
BAKER            6  
FRANK            4      7     23     30     32     34     35     36     37  
                53  
GOODE           51     52     53  
GRAY             9     12     26     27     44     45     48     49     56  
HILL             8     41     42     43     44     45  
HOOLEY          40     41  
KELLY            7     48     49     50     51  
LAZIO            1      6      7      8     12     13     18     22     26  
                27     30     32     37     40     41     45     48     51  
                54     57  
NEY             37     38     40  
SHERMAN         45     46     47     48  
SINGER          19     29     30     32     34     35     36     37     38  
                40     41     43     44     46     47     49     50     51  
                52     54     55  
STERBCOW        23     42     51     57  
SWEENEY         54     55     56     57  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DR. WILLIAM M. GRAY, PH.D., PROFESSOR OF ATMOSPHERIC SCIENCE, COLORADO STATE 
UNIVERSITY, FORT COLLINS, CO 
                                                                 PAGE     9

STATEMENT OF W. CLOYCE ANDERS, PRESIDENT AND REGIONAL DIRECTOR, VOLUNTEER FIREMEN'S INSURANCE 
SERVICE OF NORTH CAROLINA, RALEIGH, NC, ON BEHALF OF THE INDEPENDENT INSURANCE AGENTS OF AMERICA 
                                                                 PAGE    13

STATEMENT OF ROGER M. SINGER, SENIOR VICE PRESIDENT AND GENERAL COUNSEL, CGU INSURANCE COMPANIES, 
BOSTON, MA 
                                                                 PAGE    18

STATEMENT OF ARTHUR STERBCOW, PRESIDENT, LATTER AND BLUM, NEW ORLEANS, LA, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF REALTORS 
                                                                 PAGE    23


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING