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