SPEAKER INDEX    Segment 2 of 3   Previous Segment (1)    Next Segment (3)
CONTENTS   INSERTS   
BACHUS          91     92     93    116    117    118    119    120    121  
               126    127    128    129  
BAKER           64     65     66     67     68     69     72     75     77  
                78     79     80     83     86     88     91     93     94  
                95     97    100    101    103    106    107    108    109  
               113    116    121    126    128    129     89    107    110  
BENTSEN         89     90     91  
CHAIRMAN        67  
GASPER          70     79     80     83     84     85     86     87     88  
                89     90     91     92     93     94     95     96  
KANJORSKI       67     80     81     82     83    110    111    112    113  
               127    113  
LUCAS OF KENTUCKY    93     94  
MATTERA        101    106    107    108    109    111    112    113    115  
               118    124    125    126  
MOORE           86     87     88  
NEY             83     84     85     86    113    114    115    116  
NICELY          72     77     78     80     81     82     85     87     90  
                92     97  
NUTTER         114    115    122    123    128    129    103  
OXLEY           65  
RESTREPO        98    107    108    110    113    114    116    117    118  
               119    120    121    123    124    126    127  
ROGERS          67  
ROYCE           88     89  
TIBERI          68     95     96     97  
WELDON         121    122    123    124    125    126  
YOUNG           75     87  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF JOSEPH J. GASPER, PRESIDENT AND CHIEF OPERATING OFFICER, NATIONWIDE FINANCIAL 
SERVICES, CHAIRMAN, AMERICAN COUNCIL OF LIFE INSURERS
                                                                 PAGE    69

STATEMENT OF TONY NICELY, CHAIRMAN, PRESIDENT AND CEO, GEICO INSURANCE COMPANIES, CHAIRMAN, 
NATIONAL ASSOCIATION OF INDEPENDENT INSURERS
                                                                 PAGE    72

STATEMENT OF DONALD A. YOUNG, M.D., PRESIDENT, HEALTH INSURANCE ASSOCIATION OF AMERICA
                                                                 PAGE    75

STATEMENT OF ROBERT P. RESTREPO, JR., PRESIDENT AND CEO, ALLMERICA PROPERTY & CASUALTY COMPANIES, 
INC., CHAIRMAN-ELECT, AMERICAN INSURANCE ASSOCIATION
                                                                 PAGE    97

STATEMENT OF PAUL MATTERA, SENIOR VICE PRESIDENT AND CHIEF PUBLIC AFFAIRS OFFICER, LIBERTY MUTUAL 
GROUP, ON BEHALF OF LIBERTY INTERNATIONAL
                                                                 PAGE   101

STATEMENT OF FRANKLIN W. NUTTER, PRESIDENT, REINSURANCE ASSOCIATION OF AMERICA
                                                                 PAGE   103


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING