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