SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS          14  
BAKER           14  
BEERY           75     91     92  
BEREUTER        44     46     47  
CONNERY        114    136  
COOK            12     17  
EIZENSTAT       10     21     28     29     30     31     32     34     35  
                36     37     38     40     41     42     43     44     46  
                48     49     54     55     56     59     60     62  
GILLIAM        117    121    122    123    133    134    137  
HANNA           67  
HANSEN         109    124    127    128    130    131    132    133    135  
HILL            18     57     59     97     98     99    100    101    102  
               103    129    131    132    133    136    137    138    139  
JOSLIN          64     90     91     92     98     99    102    103  
KANJORSKI       50     55     56  
KELLY           16     17  
LAFALCE          2     29     30     31     32  
LAZIO            6     42     43     47     61     91     92     93  
LEACH            1      6      9     11     12     13     14     16     17  
                18     21     27     28     29     33     36     40     41  
                42     43    100    102    103    104    107    108    111  
               114    117    121    123    124    126    127    128    129  
               130    136    138    139  
MCCOLLUM        11     33     34     35     36     43     47     50     54  
                57     60     64     67     71     74     78     81     84  
                88     89     90     91     94     97     99    100  
MILLER         111    126    127    135    137  
MYERS           78  
NUTTER          71     88     89     93     94     95     96    100    101  
               102  
PIKE           104    107    108  
PLUNKETT        81  
ROYCE           14     15     64     94     95     96     97  
RYAN            17     18  
SHERMAN         13  
VENTO           10     36     37     38     39     40  
WEBER           84     97     98    102  
WELDON          47     49     50     54  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. STUART E. EIZENSTAT, DEPUTY SECRETARY, DEPARTMENT OF THE TREASURY
                                                                 PAGE    21

STATEMENT OF ROGER JOSLIN, CHAIRMAN OF THE BOARD, STATE FARM FIRE AND CASUALTY CO.
                                                                 PAGE    64

STATEMENT OF RONALD E. HANNA, DEPUTY INSURANCE COMMISSIONER, STATE OF MISSISSIPPI
                                                                 PAGE    67

STATEMENT OF FRANKLIN W. NUTTER, PRESIDENT, REINSURANCE ASSOCIATION OF AMERICA 
                                                                 PAGE    71

STATEMENT OF DONALD E. BEERY, VICE PRESIDENT, EUSTIS INSURANCE INC., ON BEHALF OF THE INDEPENDENT 
INSURANCE AGENTS OF AMERICA
                                                                 PAGE    74

STATEMENT OF MARY FRAN MYERS, CO-DIRECTOR, NATURAL HAZARDS RESEARCH AND APPLICATIONS INFORMATION 
CENTER, UNIVERSITY OF COLORADO
                                                                 PAGE    78

STATEMENT OF TRAVIS PLUNKETT, LEGISLATIVE DIRECTOR, CONSUMER FEDERATION OF AMERICA, ON BEHALF OF 
J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    81

STATEMENT OF JACK F. WEBER, PRESIDENT, HOME INSURANCE FEDERATION OF AMERICA
                                                                 PAGE    84

STATEMENT OF ROBERT W. PIKE, EXECUTIVE VICE PRESIDENT, ADMINISTRATION, ALLSTATE INSURANCE COMPANY
                                                                 PAGE   104

STATEMENT OF DARRYL D. HANSEN, CHAIRMAN, PRESIDENT AND CEO, GUIDEONE INSURANCE GROUP, ON BEHALF OF 
THE NATIONAL ASSOCIATION OF INDEPENDENT INSURERS
                                                                 PAGE   109

STATEMENT OF THOMAS MILLER, DIRECTOR OF ECONOMIC POLICY STUDIES, COMPETITIVE ENTERPRISE INSTITUTE
                                                                 PAGE   111

STATEMENT OF BARBARA CONNERY, DIRECTOR, NORTH CAROLINA ASSOCIATION OF REALTORS, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF REALTORS
                                                                 PAGE   114

STATEMENT OF SCOTT A. GILLIAM, ASSISTANT SECRETARY, DIRECTOR OF GOVERNMENT RELATIONS, THE 
CINCINNATI INSURANCE COMPANIES
                                                                 PAGE   117


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING