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