SPEAKER INDEX CONTENTS INSERTS AHART 12 13 45 CAPUANO 49 50 51 52 CLAY 28 29 30 31 32 33 34 FERGUSON 4 HUNTER 16 25 27 33 38 39 46 47 KELLY 1 4 6 9 12 13 16 19 23 24 25 26 27 28 34 35 39 43 44 49 52 LITAN 7 24 31 46 47 50 MOORE 39 40 41 42 43 44 SCHAKOWSKY 35 36 37 38 SNYDER 10 26 28 29 30 31 36 40 41 47 TIBERI 44 45 46 47 ZEMAN 20 25 27 28 32 34 37 41 42 43 47 CONTENTS SPEAKERS INSERTS STATEMENT OF ROBERT E. LITAN, VICE PRESIDENT AND DIRECTOR, ECONOMIC STUDIES, BROOKINGS INSTITUTION PAGE 7 STATEMENT OF DAVID F. SNYDER, ASSISTANT GENERAL COUNSEL, AMERICAN INSURANCE ASSOCIATION PAGE 10 STATEMENT OF THOMAS B. AHART, CPCU, AAI, PRESIDENT, AHART, FRINZI & SMITH INSURANCE, ON BEHALF OF THE INDEPENDENT INSURANCE AGENTS OF AMERICA PAGE 12 STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA PAGE 16 STATEMENT OF ROBERT L. ZEMAN, VICE PRESIDENT AND ASSISTANT GENERAL COUNSEL, NATIONAL ASSOCIATION OF INDEPENDENT INSURERS PAGE 19 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING