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