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