SPEAKER INDEX CONTENTS INSERTS BACA 8 BAKER 1 4 5 7 8 9 10 12 14 16 19 20 22 23 24 25 28 31 35 38 39 41 43 DESALLES 14 34 36 37 39 GALLAGHER 20 27 28 29 30 31 37 38 42 43 GINNY BROWN-WAITE OF FLORIDA 41 42 43 HARRIS 7 19 35 36 37 38 HOUNSELL 16 25 34 KANJORSKI 2 25 27 28 KEATING 10 23 24 32 39 40 41 KELLY 4 28 29 30 31 LUCAS OF KENTUCKY 9 38 39 LUCAS OF OKLAHOMA 9 SCOTT 5 31 33 35 TIBERI 39 40 41 WOODS 12 23 24 28 29 35 38 39 CONTENTS SPEAKERS INSERTS STATEMENT OF GOVERNOR FRANK KEATING, PRESIDENT AND CEO, AMERICAN COUNCIL OF LIFE INSURERS PAGE 10 STATEMENT OF DAVID F. WOODS, CEO, NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS, PRESIDENT, LIFE AND HEALTH INSURANCE PAGE 12 STATEMENT OF LAVADA DESALLES, MEMBER, BOARD OF DIRECTORS, AARP PAGE 14 STATEMENT OF M. CINDY HOUNSELL, EXECUTIVE DIRECTOR, WOMEN'S INSTITUTE FOR A SECURE RETIREMENT PAGE 16 STATEMENT OF HON. TOM GALLAGHER, CFO, FLORIDA DEPARTMENT OF FINANCIAL SERVICES ON BEHALF OF THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS PAGE 20 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING