SPEAKER INDEX CONTENTS INSERTS AHART 67 76 82 83 BACHUS 9 40 42 43 BAKER 1 3 4 5 6 7 9 10 11 14 18 21 22 23 24 28 29 31 32 34 35 38 40 43 46 47 49 50 51 52 70 72 83 BRESLIN 14 21 40 43 44 EMANUEL 38 39 40 FISHER 66 78 82 83 FITTS 61 79 HANNON 18 24 25 35 51 59 INSLEE 55 57 58 ISRAEL 3 KANJORSKI 7 24 25 26 27 28 KELLY 6 29 31 LUCAS 9 80 LUCAS OF KENTUCKY 32 34 35 50 MCKNIGHT 72 77 81 MCNULTY 5 MILLER 50 MILLER OF CALIFORNIA 47 49 51 OSE 53 55 58 60 61 63 65 67 70 72 75 76 77 78 79 80 81 PICKENS 11 22 23 28 31 32 34 36 39 40 41 42 45 46 47 53 54 55 58 59 ROSS 4 ROYCE 58 59 61 SCOTT 10 43 45 46 47 SERIO 25 26 29 33 37 47 56 57 59 SHAYS 36 37 38 81 82 83 SHERMAN 51 52 53 54 55 WHITE 63 79 WOLIN 70 76 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. MIKE PICKENS, COMMISSIONER OF INSURANCE, ARKANSAS, AND PRESIDENT, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS; ACCOMPANIED BY HON. GREGORY SERIO, SUPERINTENDENT OF INSURANCE, NEW YORK PAGE 11 STATEMENT OF HON. NEIL BRESLIN, SENATOR, NEW YORK STATE, ON BEHALF OF THE NATIONAL CONFERENCE OF INSURANCE LEGISLATORS PAGE 14 STATEMENT OF HON. KEMP HANNON, SENATOR, NEW YORK STATE, ON BEHALF OF THE NATIONAL CONFERENCE OF STATE LEGISLATURES PAGE 18 STATEMENT OF JON T. FITTS, DEPUTY GENERAL COUNSEL, PROGRESSIVE INSURANCE COMPANY PAGE 61 STATEMENT OF JAXON A. WHITE, CHAIRMAN AND CEO, MEDMARC INSURANCE GROUP PAGE 63 STATEMENT OF WILLIAM B. FISHER, VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL, MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY PAGE 65 STATEMENT OF TOM AHART, PRESIDENT, AHART, FRINZI AND SMITH INSURANCE AGENCY PAGE 67 STATEMENT OF NEAL S. WOLIN, EXECUTIVE VICE PRESIDENT AND GENERAL COUNSEL, THE HARTFORD PAGE 70 STATEMENT OF MARKHAM McKNIGHT, PRESIDENT, WRIGHT AND PERCY INSURANCE PAGE 72 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING