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