SPEAKER INDEX Segment 1 of 3 Next Segment (2) CONTENTS INSERTS BAKER 1 2 4 5 6 7 9 13 15 16 17 18 22 25 27 28 29 32 33 36 38 39 40 44 47 50 51 52 53 56 59 61 62 63 BARTLETT 10 20 21 22 24 25 27 28 31 32 33 34 35 38 39 BENTSEN 6 36 38 39 40 59 62 BIGGERT 4 22 23 24 25 HART 25 27 HARTER 47 51 55 56 58 61 KANJORSKI 2 18 19 20 21 22 53 54 55 56 NEY 29 30 32 OSE 27 28 29 PHILLIPUS 44 52 57 61 SHAYS 32 33 34 35 36 56 58 SPRAGENS 13 15 16 17 23 26 30 34 35 36 37 39 WHITE 7 17 18 19 23 32 34 38 39 YOUNG 40 51 53 54 55 57 62 CONTENTS SPEAKERS INSERTS STATEMENT OF WAYNE WHITE, PRESIDENT AND CHAIRMAN, HOME MUTUAL FIRE INSURANCE COMPANY, ON BEHALF OF THE NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES PAGE 7 STATEMENT OF STEVE BARTLETT, PRESIDENT, FINANCIAL SERVICES ROUNDTABLE PAGE 10 STATEMENT OF ANN W. SPRAGENS, SENIOR VICE PRESIDENT AND GENERAL COUNSEL, ALLIANCE OF AMERICAN INSURERS PAGE 13 STATEMENT OF HON. MARK YOUNG, VERMONT STATE REPRESENTATIVE, ON BEHALF OF THE NATIONAL CONFERENCE OF INSURANCE REGULATORS PAGE 40 STATEMENT OF MICHAEL D. PHILLIPUS, VICE PRESIDENT OF COMMUNICATIONS AND EXTERNAL AFFAIRS, RISK AND INSURANCE MANAGEMENT SOCIETY PAGE 44 STATEMENT OF STEVEN J. HARTER, PRESIDENT, NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS PAGE 47 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING