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