SPEAKER INDEX    CONTENTS   INSERTS   
DUNCAN          43     44     58  
GISPERT         47     48     53     54     56     57     63     64  
LAZIO            1      8      9     10     11     16     20     23     24  
                25     26     32     36     38     43     47     53     54  
                55     57     62     63     64  
MCCOLLUM         4      9     10     11     27     28     29     30     31  
                32     36     37     38     57     58     59     60     61  
                62     63     64  
MURPHY          10     16     20     24     25     31  
MUSULIN         33     37     38  
NICHOLSON       39     54     55     57     59     60     61     62     63  
NORMAN          11     20     21     26     27     28     29     30  
WATERS          12     28     29     32  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. LESLIE WATERS, REPRESENTATIVE, FLORIDA HOUSE OF REPRESENTATIVES
                                                                 PAGE    11

STATEMENT OF SUSANNE MURPHY, DEPUTY INSURANCE COMMISSIONER, STATE OF FLORIDA 
                                                                 PAGE    16

STATEMENT OF JIM NORMAN, HILLSBOROUGH COUNTY COMMISSIONER 
                                                                 PAGE    20

STATEMENT OF RADE T. MUSULIN, VICE PRESIDENT AND ACTUARY, FLORIDA FARM BUREAU INSURANCE COMPANIES
                                                                 PAGE    33

STATEMENT OF DR. JACK E. NICHOLSON, CHIEF OPERATING OFFICER, FLORIDA HURRICANE CATASTROPHE FUND
                                                                 PAGE    39

STATEMENT OF PAMELA DUNCAN, DIRECTOR, OFFICE OF LEGISLATIVE AFFAIRS, DEPARTMENT OF COMMUNITY 
AFFAIRS, STATE OF FLORIDA 
                                                                 PAGE    43

STATEMENT OF LARRY GISPERT, DIRECTOR OF EMERGENCY MANAGEMENT, HILLSBOROUGH COUNTY, FLORIDA 
                                                                 PAGE    47


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING