SPEAKER INDEX CONTENTS INSERTS CANNON 100 102 103 CARTER 92 93 94 95 96 CHABOT 70 71 72 73 COBLE 64 CONYERS 10 60 61 62 63 64 DELAHUNT 89 90 91 EISENBERG 37 66 71 82 86 90 95 96 102 105 106 107 FORBES 85 87 HARNED 21 58 60 73 74 88 89 HOWARD 13 57 61 63 64 66 67 68 81 83 84 88 102 JACKSON LEE OF TEXAS 103 105 106 107 KELLER 78 80 PERRY H. APELBAUM 3 PHILIP G. KIKO 3 SCHWARTZ 43 45 59 61 62 68 69 70 71 72 74 75 76 77 79 80 87 91 93 94 97 98 99 100 SCOTT 65 66 67 68 69 SMITH 6 11 13 20 37 42 45 56 58 59 61 64 65 69 70 73 77 80 84 88 89 92 96 97 100 103 107 108 WATERS 81 82 83 84 108 WATT 73 74 75 76 77 WEXLER 97 98 99 100 CONTENTS SPEAKERS INSERTS TESTIMONY OF PHILIP K. HOWARD, CHAIR, COMMON GOOD PAGE 13 TESTIMONY OF KAREN R. HARNED, EXECUTIVE DIRECTOR, NATIONAL FEDERATION OF INDEPENDENT BUSINESS LEGAL FOUNDATION PAGE 21 TESTIMONY OF THEODORE EISENBERG, HENRY ALLEN MARK PROFESSOR OF LAW, CORNELL LAW SCHOOL PAGE 37 TESTIMONY OF VICTOR E. SCHWARTZ, GENERAL COUNSEL, AMERICAN TORT REFORM ASSOCIATION PAGE 43 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING