SPEAKER INDEX    CONTENTS   INSERTS   
APPENDIX         4  
BUYER            7     10     13     16     17     18     20     22     23  
                24     26     28     29     30     31     32     34     35  
                36     37     38     39     40     41     43     46     47  
                48     49     50     51     52     59     60     61     62  
                65     66     67     68     69     71     72     73     74  
CURL            17     18     31  
DOCUMENTS SUBMITTED FOR THE RECORD     6  
DRUDGE          22     23     24     25     26     28     29     31     39  
HEARING          4  
HOSTETLER        9     25     26     31     32     53     54     55     56  
                57     58     59     67     69     70     71     75  
HUFF            20     29     30     33     37  
KELLEY          41     48     49     50     51     54     57     58     59  
                62     63     65     66     67     68     69     71  
MOUSE           43     47     48     50     51     52     55     56     60  
                61     62     63     66     68     69     70     71     72  
                74     75  
PREPARED STATEMENTS     5  
QUESTIONS AND ANSWERS SUBMITTED FOR THE RECORD     6  
RYAN            11     13     16     17     33     34     35     36     37  
                38  
RYUN            10     32     33     34     36     37     38     59     60  
                61     62     63     71     73  
STIERS          26  
WINN            68  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF HON. STEVE BUYER, A REPRESENTATIVE FROM INDIANA, CHAIRMAN, MILITARY PERSONNEL 
SUBCOMMITTEE
                                                                 PAGE     7

STATEMENT OF COL. JOSEPH RYAN, U.S. ARMY, (RET.)
                                                                 PAGE    11

STATEMENT OF SENIOR MSGT. DAVID CURL, U.S. AIR FORCE, (RET.)
                                                                 PAGE    17

STATEMENT OF MSGT. TED HUFF, U.S. AIR FORCE, (RET.)
                                                                 PAGE    20

STATEMENT OF SGT. FIRST CLASS DENNIS DRUDGE, ARMY NATIONAL GUARD
                                                                 PAGE    22

STATEMENT OF TECHNICAL SGT. KATHLEEN E. STIERS, U.S. AIR FORCE RESERVE TECHNICIAN
                                                                 PAGE    26

STATEMENT OF BRIG. GEN. JOSEPH E. KELLEY, U.S. AIR FORCE, LEAD AGENT, REGION FIVE, TRICARE
                                                                 PAGE    41

STATEMENT OF MR. RAYMOND L. MOUSE, REGIONAL VICE PRESIDENT ANTHEM ALLIANCE HEALTH INSURANCE COMPANY
                                                                 PAGE    43


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING