SPEAKER INDEX    CONTENTS   INSERTS   
BECK            50     75     76     81     83     89  
BIGGERT          6  
GUTIERREZ       30  
HILLMAN         15     34     37     39     40     41  
HUNTER          62     63     76     78     79     81     82     86  
KELLY            1      6      9     15     20     21     26     27     29  
                30     31     37     38     39     40     41     42     43  
                49     54     57     62     63     67     72     73     74  
                75     76     77     78     86     88     89     90  
KRAMER          54     79     80     81     87     88  
MAIR            43     45     72     73     84  
QUINN           58     88     89  
SCHROEDER       68     74     77     83     85     86  
SERIO           21     28     29     35     36     37     40     41  
TIBERI           6  
WARSHAWSKY      11     26     27     32     33     37     40     41  
WELDON           9     32     33     34     35     36     37     42     78  
                79     80     81     82     85     86  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF MARK J. WARSHAWSKY, DEPUTY ASSISTANT SECRETARY FOR ECONOMIC POLICY, U.S. DEPARTMENT 
OF THE TREASURY
                                                                 PAGE    10

STATEMENT OF RICHARD J. HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENTS, U.S. 
GENERAL ACCOUNTING OFFICE
                                                                 PAGE    15

STATEMENT OF HON. GREGORY V. SERIO, SUPERINTENDENT, NEW YORK STATE INSURANCE DEPARTMENT.
                                                                 PAGE    21

STATEMENT OF DAVID I. MAIR, PRESIDENT, RISK AND INSURANCE MANAGEMENT SOCIETY, ASSOCIATE DIRECTOR 
FOR RISK MANAGEMENT, U.S. OLYMPIC COMMITTEE
                                                                 PAGE    44

STATEMENT OF DEBORAH B. BECK, EXECUTIVE VICE PRESIDENT, REAL ESTATE BOARD OF NEW YORK
                                                                 PAGE    50

STATEMENT OF LISA KRAMER, PRESIDENT AND CEO, FEDERATION OF JEWISH PHILANTHROPIES SERVICE 
CORPORATION
                                                                 PAGE    54

STATEMENT OF KIERAN P. QUINN, PRESIDENT AND CEO, COLUMN FINANCIAL, INC., A SUBSIDIARY OF CREDIT 
SUISSE FIRST BOSTON
                                                                 PAGE    58

STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    62

STATEMENT OF ALICE D. SCHROEDER, SENIOR U.S. NONLIFE EQUITY INSURANCE ANALYST, MORGAN STANLEY.
                                                                 PAGE    67


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING