SPEAKER INDEX CONTENTS INSERTS BACHUS 34 35 36 90 92 93 94 95 96 97 101 104 106 110 114 116 117 118 BAKER 7 24 25 26 BENMOSCHE 66 67 83 89 105 107 BENTSEN 36 37 38 106 107 109 110 BIGGERT 44 CARSON 50 FERGUSON 49 75 85 86 96 97 102 103 109 110 111 113 GRUCCI 45 HINOJOSA 46 47 HOOLEY 41 KANJORSKI 10 26 27 28 97 98 100 KELLY 41 42 LAFALCE 4 21 22 23 24 54 59 66 67 73 87 90 91 92 93 LUCAS 46 114 MALONEY 31 51 104 105 106 MOORE 45 52 MOSHER 73 85 104 O'HARE 70 84 95 97 98 100 103 107 108 110 112 113 115 116 117 OSE 48 OXLEY 1 7 10 13 15 19 20 21 24 26 29 31 33 35 36 39 41 42 44 45 46 47 48 49 50 51 52 53 56 59 66 70 73 75 79 82 83 84 85 86 87 PITT 13 15 19 20 21 22 23 24 25 26 27 28 29 30 31 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 ROUKEMA 29 30 31 ROYCE 39 SANDLIN 43 SEBELIUS 60 82 90 91 92 95 115 SERIO 56 80 89 90 94 118 SHAYS 110 111 112 113 114 115 116 STERNBERG 53 54 83 105 WATERS 48 WELDON 46 101 102 103 104 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. HARVEY L. PITT, CHAIRMAN, SECURITIES AND EXCHANGE COMMISSION PAGE 13 STATEMENT OF SY STERNBERG, CHAIRMAN, PRESIDENT AND CEO, NEW YORK LIFE INSURANCE COMPANY PAGE 53 STATEMENT OF HON. GREGORY V. SERIO, SUPERINTENDENT, NEW YORK INSURANCE DEPARTMENT PAGE 56 STATEMENT OF HON. KATHLEEN SEBELIUS, COMMISSIONER, KANSAS DEPARTMENT OF INSURANCE; PRESIDENT, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS, ON BEHALF OF THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS PAGE 59 STATEMENT OF ROBERT H. BENMOSCHE, CHAIRMAN AND CEO, METLIFE, INC. PAGE 66 STATEMENT OF DEAN R. O'HARE, CHAIRMAN AND CEO, THE CHUBB CORPORATION PAGE 70 STATEMENT OF MATTHEW C. MOSHER, GROUP VICE PRESIDENT, PROPERTY-CASUALTY RATINGS, A.M. BEST COMPANY PAGE 73 STATEMENT OF RONALD E. FERGUSON, CHAIRMAN AND CEO, GENERAL REINSURANCE CORPORATION PAGE 75 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING