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