SPEAKER INDEX CONTENTS INSERTS BAKER 25 28 CLEMENT 10 12 18 19 20 21 55 56 57 58 COBLE 9 10 13 16 18 21 22 23 24 25 26 28 35 38 39 42 47 51 52 53 54 55 58 59 60 61 62 FOWLER 16 17 GALLAGHER 35 54 56 HOBBIE 39 56 58 HORROCKS 43 53 57 59 60 61 RINGBAKKEN 47 57 58 61 SHEEHAN 14 18 19 20 21 22 23 24 26 27 28 TAYLOR 25 26 27 28 WYMAN 29 51 52 55 CONTENTS SPEAKERS INSERTS TESTIMONY OF DANIEL F. SHEEHAN, DIRECTOR, NATIONAL POLLUTION FUNDS CENTER, U.S. COAST GUARD PAGE 14 TESTIMONY OF RICHARD H. HOBBIE, III, PRESIDENT, WATER QUALITY INSURANCE SYNDICATE, ALSO REPRESENTING THE AMERICAN INSTITUTE OF MARINE UNDERWRITERS (AIMU); CHRIS HORROCKS, SECRETARY GENERAL, THE INTERNATIONAL CHAMBER OF SHIPPING; JOHN J. GALLAGHER, CHAIRMAN OF THE BOARD, GALLAGHER MARINE SYSTEMS, INC.; SVEIN RINGBAKKEN, CHIEF COUNSEL, INTERNATIONAL ASSOCIATION OF INDEPENDENT TANKER OWNERS (INTERTANKO); AND WINTHROP WYMAN, VICE CHAIRMAN, OMI PETROLINK CORPORATION PAGE 29 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING