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