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