SPEAKER INDEX    CONTENTS   INSERTS   
BANTLE          35     99  
BARR           102    103    104  
CONYERS          7     59     99    100    101    102  
DEAR CHAIRMAN HYDE   119  
DEAR MR. CHAIRMAN   116  
DEAR REPRESENTATIVE ROGAN   117  
DINGER          13    102    105    106    107  
ESTES           80    112    113    114  
FAULKNER        27    101    102    107    108  
GEIGER          90  
HARKER          20    103  
HENRY J. HYDE   116    119  
HYDE             7      9     11     20     26     35     47     57     59  
                62     80     90     99    102    105    108    111    115  
JAMES ROGAN   117  
JENKINS        105    106    107  
JULIAN EPSTEIN     3  
KEELEY          48  
MIDDLETON       57     59     62    100    101    104    108    109    110  
               111    114    115  
ROGAN            9    111    112    113    114    115  
SCOTT          108    109    110  
THOMAS E. MOONEY, SR     3  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF CHAIRMAN HYDE
                                                                 PAGE     6

STATEMENT OF RICHARD E. DINGER, PRESIDENT, CRESCENTA VALLEY INSURANCE, ON BEHALF OF THE 
INDEPENDENT INSURANCE AGENTS OF AMERICA
                                                                 PAGE    12

STATEMENT OF DAVID HARKER, PRESIDENT AND CEO, EXCALIBUR EXPLORATION, INC.
                                                                 PAGE    20

STATEMENT OF SHARON FAULKNER, REGIONAL MANAGER, PREMIER RENTAL CAR
                                                                 PAGE    26

STATEMENT OF TOM BANTLE, LEGISLATIVE COUNSEL, PUBLIC CITIZEN
                                                                 PAGE    35

STATEMENT OF GEORGE KEELEY, ESQ., KEELEY, KUENN & REID, ON BEHALF OF THE ASSOCIATION OF 
WHOLESALER-DISTRIBUTORS
                                                                 PAGE    47

STATEMENT OF RICHARD MIDDLETON, JR., PRESIDENT, ASSOCIATION OF TRIAL LAWYERS OF AMERICA
                                                                 PAGE    57

STATEMENT OF RALPH ESTES, PROFESSOR EMERITUS, AMERICAN UNIVERSITY BUSINESS SCHOOL
                                                                 PAGE    80

STATEMENT OF ROGER R. GEIGER, STATE EXECUTIVE DIRECTOR, NATIONAL FEDERATION OF INDEPENDENT 
BUSINESS/OHIO
                                                                 PAGE    90


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING