SPEAKER INDEX    CONTENTS   INSERTS   
ARIO            10     27     28     29     31     32     33     35     41  
ATCHINSON       17     38     41  
DAVIS OF ALABAMA     5     34     35     36  
GARRETT         36     37     38     39     40  
HILLMAN         14     28  
HUNTER          20     30     33     34     35  
KELLY            1      4      5      6      9     10     14     16     19  
                22     25     26     27     30     31     34     36     39  
                40     41     42  
MALONEY          3     27     28     29     30  
MAREMA          22     39  
PARKE            6      9     10     25     26     31     33     37     38  
                40     41  
RENZI            5     30     31     32     33  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. TERRY PARKE, ILLINOIS STATE REPRESENTATIVE, PAST PRESIDENT, THE NATIONAL 
CONFERENCE OF INSURANCE LEGISLATORS, ACCOMPANIED BY ROBERT W. KLEIN, PH.D., ASSOCIATE PROFESSOR & 
DIRECTOR, CENTER FOR RISK MANAGEMENT AND INSURANCE RESEARCH, GEORGIA STATE UNIVERSITY
                                                                 PAGE     6

STATEMENT OF HON. JOEL S. ARIO, INSURANCE ADMINISTRATOR, OREGON INSURANCE DIVISION, 
SECRETARY-TREASURER, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS
                                                                 PAGE    10

STATEMENT OF RICHARD J. HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, U.S. 
GENERAL ACCOUNTING OFFICE
                                                                 PAGE    14

STATEMENT OF BRIAN K. ATCHINSON, EXECUTIVE DIRECTOR, INSURANCE MARKETPLACE STANDARDS ASSOCIATION
                                                                 PAGE    16

STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    19

STATEMENT OF LENORE S. MAREMA, VICE PRESIDENT, LEGAL AND REGULATORY AFFAIRS, ALLIANCE OF AMERICAN 
INSURERS
                                                                 PAGE    22


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING