SPEAKER INDEX CONTENTS INSERTS BACA 6 BAKER 1 4 6 7 8 9 11 15 19 23 27 30 33 39 41 43 45 50 51 52 55 59 60 62 69 BIGGERT 8 BRAD MILLER OF NORTH CAROLINA 50 51 52 CLAY 55 56 57 58 CSISZAR 19 31 33 34 38 39 40 43 47 49 50 51 53 58 60 68 69 GARRETT 10 52 54 GARY MILLER OF CALIFORNIA 6 46 47 48 49 50 HARTWIG 12 56 63 66 INSLEE 7 JUNEAU 15 35 44 45 51 52 57 KANJORSKI 2 33 34 35 36 37 38 39 62 63 66 67 68 69 KELLY 4 39 40 41 MARCHIONI 24 36 37 54 67 SCOTT 41 42 43 45 SHAPO 27 37 39 40 41 46 48 49 55 61 66 67 CONTENTS SPEAKERS INSERTS STATEMENT OF ROBERT P. HARTWIG, SENIOR VICE PRESIDENT & CHIEF ECONOMIST, INSURANCE INFORMATION INSTITUTE PAGE 12 STATEMENT OF DAN JUNEAU, PRESIDENT, LOUISIANA ASSOCIATION OF BUSINESS & INDUSTRY PAGE 15 STATEMENT OF HON. ERNST CSISZAR, DIRECTOR, SOUTH CAROLINA DEPARTMENT OF INSURANCE PAGE 19 STATEMENT OF JOHN MARCHIONI, VICE CHAIRMAN, NEW JERSEY COALITION FOR AUTO INSURANCE COMPETITION PAGE 24 STATEMENT OF NATHANIEL SHAPO, PARTNER, SONNENSCHEIN NATH & ROSENTHAL, FORMER DIRECTOR, ILLINOIS DEPARTMENT OF INSURANCE PAGE 27 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING