SPEAKER INDEX CONTENTS INSERTS BACHUS 28 29 30 31 32 69 76 77 78 79 80 81 82 96 103 104 118 119 120 127 128 129 131 132 133 134 135 136 137 138 BAIR 24 25 46 60 67 68 77 80 81 77 BAKER 1 4 5 6 8 9 14 19 21 24 27 28 32 35 38 41 43 46 48 53 56 58 61 63 67 68 69 70 71 72 75 76 85 87 88 90 93 95 101 104 105 107 111 113 114 115 116 118 119 122 123 125 126 128 130 131 133 135 136 138 BENTSEN 43 45 46 BIGGERT 36 37 38 CAPUANO 38 40 CLUFF 125 126 CUMMINGS 120 CUMMINS 93 95 96 HARRINGTON 90 120 121 124 128 HART 61 62 HILLMAN 112 125 HUBBARD 48 54 55 56 57 59 60 61 62 63 64 65 66 67 68 70 72 73 76 77 78 79 80 82 INSLEE 33 34 35 IORDANOU 87 88 104 115 116 117 118 120 121 122 123 124 125 126 127 130 132 133 135 136 137 138 JONES 63 64 65 66 67 68 JONES OF OHIO 63 KANJORSKI 3 17 18 19 20 23 27 64 65 73 75 KEATING 97 122 123 124 126 136 LAFALCE 6 18 24 25 26 27 MALONEY 54 55 56 58 59 60 MATHIS 83 86 113 114 118 120 126 129 130 131 132 133 NEY 8 46 47 48 NORDLINGER 108 O'NEILL 8 9 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 41 42 43 44 45 46 47 48 OSE 68 69 75 OXLEY 5 8 21 22 114 115 116 123 125 SHAYS 41 42 43 SINNOTT 101 103 115 116 117 119 123 124 125 126 127 128 129 131 133 134 135 137 138 SPEAKER 9 UNIDENTIFIED SPEAKER 28 WELDON 56 57 WILLIAMS 105 138 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. PAUL H. O'NEILL, SECRETARY, U.S. DEPARTMENT OF THE TREASURY; ACCOMPANIED BY SHEILA BAIR, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS PAGE 8 STATEMENT OF R. GLENN HUBBARD, CHAIRMAN, COUNCIL OF ECONOMIC ADVISORS PAGE 48 STATEMENT OF DAVID B. MATHIS, CHAIRMAN AND CEO, KEMPER INSURANCE COMPANIES PAGE 83 STATEMENT OF CONSTANTINOS IORDANOU, SENIOR EXECUTIVE VICE PRESIDENT, GROUP OPERATIONS AND BUSINESS DEVELOPMENT, ZURICH FINANCIAL SERVICES GROUP PAGE 87 STATEMENT OF SCOTT E. HARRINGTON, PROFESSOR OF INSURANCE AND FINANCE, MOORE SCHOOL OF BUSINESS, UNIVERSITY OF SOUTH CAROLINA PAGE 90 STATEMENT OF J. DAVID CUMMINS, HARRY J. LOMAN PROFESSOR OF INSURANCE AND RISK MANAGEMENT, THE WHARTON SCHOOL, UNIVERSITY OF PENNSYLVANIA PAGE 93 STATEMENT OF DAVID L. KEATING, SENIOR COUNSELOR, NATIONAL TAXPAYERS UNION PAGE 97 STATEMENT OF JOHN T. SINNOTT, CHAIRMAN AND CEO, MARSH, INC. PAGE 101 STATEMENT OF ROY A. WILLIAMS, DIRECTOR OF AVIATION, LEWIS ARMSTRONG NEW ORLEANS INTERNATIONAL AIRPORT PAGE 105 STATEMENT OF MARJORIE S. NORDLINGER, SENIOR ATTORNEY, OFFICE OF THE GENERAL COUNSEL, U.S. NUCLEAR REGULATORY COMMISSION PAGE 108 STATEMENT OF RICHARD J. HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, U.S. GENERAL ACCOUNTING OFFICE PAGE 112 INSERTS SPEAKERS CONTENTS