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