SPEAKER INDEX CONTENTS INSERTS BAKER 1 4 7 8 9 11 12 13 16 19 22 23 24 25 29 32 33 37 41 42 46 47 49 53 BARR 33 34 35 36 37 BIGGERT 4 11 COUNSELMAN 16 24 28 38 39 40 41 43 44 45 46 52 INSLEE 12 ISRAEL 11 32 33 JONES 37 38 39 40 41 42 KANJORSKI 2 9 10 25 26 27 28 29 KELLY 5 8 9 10 11 12 29 30 31 32 53 KIRVEN 13 22 25 26 27 29 30 31 35 36 39 41 42 48 49 MEEKS 48 49 MILLER 43 44 45 46 47 SMITH 19 27 32 33 34 35 36 37 38 40 41 47 50 51 52 WELDON 50 51 52 53 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. SUE W. KELLY, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NEW YORK PAGE 5 STATEMENT OF HON. WILLIAM J. KIRVEN III, COMMISSIONER OF INSURANCE, STATE OF COLORADO; CHAIR, WESTERN ZONE, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS; CO-CHAIR, NAIC'S FINANCIAL SERVICES MODERNIZATION WORKING GROUP ON NARAB; ON BEHALF OF THE NAIC PAGE 12 STATEMENT OF ALBERT R. COUNSELMAN, PRESIDENT, RIGGS, COUNSELMAN, MICHAELS & DOWNES, BALTIMORE, MD; PAST CHAIRMAN, COUNCIL OF INSURANCE AGENTS AND BROKERS PAGE 16 STATEMENT OF RONALD A. SMITH, PRESIDENT, SMITH, SAWYER & SMITH, INC., ROCHESTER, IN; STATE GOVERNMENT AFFAIRS CHAIRMAN AND PAST PRESIDENT, INDEPENDENT INSURANCE AGENTS OF AMERICA; ON BEHALF OF THE IIAA, NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS, AND THE NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS PAGE 19 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING