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