SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      8     10     11     13     14     16     18     20  
                25     26     30     31     33     34     38     39     44  
                48     53     56     57     60     65     66     70     75  
                79     80     83     84     85     90     93     97    101  
               104    108    113  
BENTSEN         10     44     45  
BIGGERT         11     49     50     51     52     53    108    110    111  
               112    113  
BLUM            90  
COVINGTON       18     40     42     56     61     62     73     74     76  
                77  
FISHER          26     45     47     51     59     63     69     70     71  
                72     73     74     78  
FITZGERALD      15     16     33     34     35     38     41     43     47  
                55     67     78  
GOWDY           80     83     84    107    108    112    113  
HART            66     69  
HUNTER          94    104  
JONES           70     71     72     73     74     75    104    105    106  
               107    108  
KANJORSKI        5     34     35     36     39  
MEEKS           75     76     78  
NOWAK          111    112  
O'CONNOR        98    106    107    109  
OXLEY            8     39     40     41     42  
PARKE           21     30     32     38     41     46     49     50     52  
                57     64     68  
ROGERS          14  
SHAYS           13  
SHERMAN         61     62     63     64     65     66  
ZEMAN           85    105    106  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. FRANK M. FITZGERALD, COMMISSIONER, MICHIGAN INSURANCE BUREAU, OFFICE OF 
FINANCIAL AND INSURANCE SERVICES; CHAIR, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS FINANCIAL 
SERVICES MODERNIZATION TASK FORCE
                                                                 PAGE    15

STATEMENT OF HON. LEE COVINGTON II, DIRECTOR, OHIO DEPARTMENT OF INSURANCE; ON BEHALF OF THE 
NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS
                                                                 PAGE    18

STATEMENT OF HON. TERRY PARKE, ILLINOIS STATE REPRESENTATIVE; PRESIDENT, NATIONAL CONFERENCE OF 
INSURANCE LEGISLATORS, ON BEHALF OF THE NATIONAL CONFERENCE OF INSURANCE LEGISLATORS
                                                                 PAGE    21

STATEMENT OF WILLIAM B. FISHER, VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL, MASSACHUSETTS MUTUAL 
LIFE INSURANCE COMPANY, ON BEHALF OF THE AMERICAN COUNCIL OF LIFE INSURERS
                                                                 PAGE    26

STATEMENT OF ROBERT C. GOWDY, PRESIDENT, ONEBEACON INSURANCE GROUP;  CHAIRMAN, AMERICAN INSURANCE 
ASSOCIATION, ON BEHALF OF THE AMERICAN INSURANCE ASSOCIATION.
                                                                 PAGE    80

STATEMENT OF ROBERT L. ZEMAN, VICE PRESIDENT AND ASSISTANT GENERAL COUNSEL, NATIONAL ASSOCIATION 
OF INDEPENDENT INSURERS, ON BEHALF OF THE NATIONAL ASSOCIATION OF INDEPENDENT INSURERS AND THE 
ALLIANCE OF AMERICAN INSURERS, ACCOMPANIED BY MS. RITA NOWAK, ASSISTANT VICE PRESIDENT, ALLIANCE 
OF AMERICAN INSURERS
                                                                 PAGE    85

STATEMENT OF JAMES A. BLUM, CPCU, CHAIRMAN AND PRESIDENT, BROTHERHOOD MUTUAL INSURANCE COMPANY; 
CHAIRMAN, NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES, ON BEHALF OF THE NATIONAL 
ASSOCIATION OF MUTUAL INSURANCE COMPANIES
                                                                 PAGE    90

STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    94

STATEMENT OF PHILIP R. O'CONNOR, Ph.D., PRESIDENT, PROACTIVE STRATEGIES, INC,. FORMER DIRECTOR OF 
INSURANCE, ILLINOIS DEPARTMENT OF INSURANCE
                                                                 PAGE    97


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING