SPEAKER INDEX CONTENTS INSERTS AHART 64 98 100 106 BACHUS 14 15 49 50 51 53 99 100 101 102 103 104 BAKER 1 5 8 9 10 11 12 14 15 16 18 20 21 22 27 30 32 34 35 63 67 72 75 78 82 86 90 91 92 93 94 99 100 105 113 BIGGERT 16 CASTLE 15 COUNSELMAN 72 93 97 101 107 111 CSISZAR 22 32 34 35 36 37 38 39 40 41 42 43 44 45 52 61 DICKSON 75 94 103 108 EMANUEL 14 FRANK 105 106 107 108 109 111 112 113 HENSARLING 18 HUNTER 78 91 92 94 95 97 103 104 105 109 INSLEE 16 53 54 55 KANJORSKI 3 20 35 36 37 38 94 95 96 97 98 99 KELLY 10 21 45 46 48 KREIDLER 27 51 54 56 57 58 59 62 KRIEDLER 56 LUCAS 48 LUCAS OF KENTUCKY 10 MALONEY 58 59 MCCARTHY OF NEW YORK 15 MILLER OF CALIFORNIA 55 56 57 58 O'CONNOR 86 91 OCHENKOWSKI 82 83 OSE 39 41 45 48 49 53 55 58 61 63 OXLEY 5 POMEROY 18 59 61 62 63 ROYCE 12 SCOTT 8 41 42 43 44 45 SERIO 30 46 49 50 62 SHAYS 9 39 40 41 SHERMAN 11 SINGER 67 93 102 103 111 112 113 CONTENTS SPEAKERS INSERTS STATEMENT OF ERNST CSISZAR, DIRECTOR, SOUTH CAROLINA DEPARTMENT OF INSURANCE, ON BEHALF OF THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS PAGE 22 STATEMENT OF MIKE KREIDLER, WASHINGTON STATE INSURANCE COMMISSIONER PAGE 27 STATEMENT OF GREGORY SERIO, SUPERINTENDENT, NEW YORK STATE INSURANCE DEPARTMENT PAGE 30 STATEMENT OF THOMAS AHART, AHART, FRINZI AND SMITH AGENCY, ON BEHALF OF THE INDEPENDENT INSURANCE AGENTS AND BROKERS OF AMERICA PAGE 64 STATEMENT OF ROGER SINGER, SENIOR VICE PRESIDENT AND GENERAL COUNSEL, ONEBEACON, ON BEHALF OF AMERICAN INSURANCE ASSOCIATION PAGE 67 STATEMENT OF ALBERT COUNSELMAN, PRESIDENT AND CEO, RIGGS, COUNSELMAN, MICHAELS AND DOWNS, INC., ON BEHALF OF THE COUNSEL OF INSURANCE AGENTS AND BROKERS PAGE 72 STATEMENT OF ANTHONY DICKSON, PRESIDENT, NJM INSURANCE GROUP, ON BEHALF OF PROPERTY CASUALTY INSURERS ASSOCIATION OF AMERICA PAGE 75 STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA PAGE 78 STATEMENT OF JANICE OCHENKOWSKI, VICE PRESIDENT EXTERNAL AFFAIRS, RISK AND INSURANCE MANAGEMENT SOCIETY, INC. PAGE 82 STATEMENT OF PHILLIP O'CONNOR, CONSTELLATION NEW ENERGY, INC. PAGE 86 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING