SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS          15  
BAKER            5      7      8      9     11     13     15     16     18  
                19     20     22     23     24     25     26     28     32  
                37     40     44     45     46     47     51     52     55  
                56     60     64     69     73     76     79     80     81  
                83     84     85     86     88     95     97     99    100  
BALLARD         51  
BIGGERT         23  
BROWN-WAITE    18  
BULLARD         32     48     57     67     68  
BURNS           25     64     65     66     67     68     88     89     90  
                91     92     93     94     95     97     98     99  
CONGER          26     45     54     64     65     68     69  
DUNLAP          73     78     79     80     81     88     89     90     91  
                93     94     99    100  
EMANUEL          9     60     63     64     81     85     86     87     88  
                95     96  
HINOJOSA         7     13  
ISRAEL           7  
JETTON          28     45     46     49     50     65     66  
KANJORSKI        3     47     50  
KEATING         41     50     51     52     54     57     58     60     62  
                64  
KELLY           20     22  
LUCAS OF OKLAHOMA    52     53     54  
MOORE           19  
NEY              8  
OXLEY            1     25  
ROSS            22  
RYUN            11  
SCOTT           17     18     55     56     57     58     59     60  
SMITH           70     82     83     84     85     86     87     91     92  
                93     95     96     97     98  
WOODS           37  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF SPECIALIST BRANDON CONGER, UNITED STATES ARMY
                                                                 PAGE    26

STATEMENT OF ELIZABETH W. JETTON, PRINCIPAL, THE FINANCIAL PLANNING ASSOCIATION
                                                                 PAGE    28

STATEMENT OF MERCER BULLARD, PRESIDENT AND FOUNDER AND CHIEF EXECUTIVE OFFICER, FUND DEMOCRACY, 
INC.
                                                                 PAGE    32

STATEMENT OF DAVID WOODS, CHIEF EXECUTIVE OFFICER, NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL 
AGENTS
                                                                 PAGE    37

STATEMENT OF FRANK KEATING, PRESIDENT, THE AMERICAN COUNCIL OF LIFE INSURERS
                                                                 PAGE    41

STATEMENT OF LAMAR C. SMITH, CHAIRMAN AND CHIEF EXECUTIVE OFFICE, FIRST COMMAND FINANCIAL 
PLANNING, INC.
                                                                 PAGE    70

STATEMENT OF JOE W. DUNLAP, EXECUTIVE VICE PRESIDENT, OPERATIONS, AMERICAN AMICABLE LIFE INSURANCE 
COMPANY OF TEXAS
                                                                 PAGE    73


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING