SPEAKER INDEX CONTENTS INSERTS BACHUS 1 6 8 9 12 16 18 21 24 27 28 29 30 35 CROWLEY 35 36 37 62 63 64 65 75 76 77 EMANUEL 65 67 68 69 KELLY 53 54 55 56 57 LATOURETTE 60 61 62 LUCAS OF KENTUCKY 57 58 59 60 MALONEY 69 70 71 72 MALTBY 19 29 30 32 38 39 MCCLAIN 12 24 28 29 34 36 37 MEYER 42 45 59 60 63 64 67 76 77 MORGAN 16 28 35 38 OXLEY 6 PETERSEN 40 54 55 60 63 67 70 71 76 PLUMMER 22 27 32 39 PRITTS 48 55 56 62 68 76 REYNOLDS 12 13 27 28 31 33 ROTENBERG 45 58 61 66 69 70 71 72 SANDERS 3 SESSIONS 9 TIBERI 37 39 42 45 48 51 53 57 60 62 65 68 69 72 73 74 75 77 VELAZQUEZ 37 38 39 WATT 8 30 31 32 33 34 35 YINGLING 51 53 57 58 65 68 71 72 73 74 75 CONTENTS SPEAKERS INSERTS STATEMENT OF CHRISTOPHER P. REYNOLDS, PARTNER, MORGAN, LEWIS AND BOCKIUS, LLP ON BEHALF OF THE U.S. CHAMBER OF COMMERCE PAGE 13 STATEMENT OF HAROLD MORGAN, SENIOR VICE PRESIDENT, HUMAN RESOURCES, BALLY TOTAL FITNESS CORPORATION, ON BEHALF OF THE LABOR POLICY ASSOCIATION PAGE 16 STATEMENT OF LEWIS MALTBY, PRESIDENT, NATIONAL WORKRIGHTS INSTITUTE PAGE 19 STATEMENT OF MARGARET PLUMMER, DIRECTOR OF OPERATIONS, BASHEN CONSULTING PAGE 21 STATEMENT OF EDDY MCCLAIN, CHAIRMAN, KROUT & SCHNEIDER, INC., ON BEHALF OF THE NATIONAL COUNCIL OF INVESTIGATION AND SECURITY SERVICES PAGE 24 STATEMENT OF L. CHRIS PETERSEN, ATTORNEY, MORRIS, MANNING & MARTIN, LLP, ON BEHALF OF THE HEALTH INSURANCE ASSOCIATION OF AMERICA PAGE 40 STATEMENT OF ROBERTA MEYER, SENIOR COUNSEL, AMERICAN COUNCIL OF LIFE INSURERS PAGE 42 STATEMENT OF MARC ROTENBERG, EXECUTIVE DIRECTOR, ELECTRONIC PRIVACY INFORMATION CENTER PAGE 45 STATEMENT OF JOY PRITTS, ASSISTANT RESEARCH PROFESSOR, HEALTH POLICY INSTITUTE, GEORGETOWN UNIVERSITY PAGE 48 STATEMENT OF EDWARD YINGLING, EXECUTIVE VICE PRESIDENT, AMERICAN BANKERS ASSOCIATION PAGE 51 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING