SPEAKER INDEX    CONTENTS   INSERTS   
AHART           64     98    100    106  
BACHUS          14     15     49     50     51     53     99    100    101  
               102    103    104  
BAKER            1      5      8      9     10     11     12     14     15  
                16     18     20     21     22     27     30     32     34  
                35     63     67     72     75     78     82     86     90  
                91     92     93     94     99    100    105    113  
BIGGERT         16  
CASTLE          15  
COUNSELMAN      72     93     97    101    107    111  
CSISZAR         22     32     34     35     36     37     38     39     40  
                41     42     43     44     45     52     61  
DICKSON         75     94    103    108  
EMANUEL         14  
FRANK          105    106    107    108    109    111    112    113  
HENSARLING      18  
HUNTER          78     91     92     94     95     97    103    104    105  
               109  
INSLEE          16     53     54     55  
KANJORSKI        3     20     35     36     37     38     94     95     96  
                97     98     99  
KELLY           10     21     45     46     48  
KREIDLER        27     51     54     56     57     58     59     62  
KRIEDLER        56  
LUCAS           48  
LUCAS OF KENTUCKY    10  
MALONEY         58     59  
MCCARTHY OF NEW YORK    15  
MILLER OF CALIFORNIA    55     56     57     58  
O'CONNOR        86     91  
OCHENKOWSKI    82     83  
OSE             39     41     45     48     49     53     55     58     61  
                63  
OXLEY            5  
POMEROY         18     59     61     62     63  
ROYCE           12  
SCOTT            8     41     42     43     44     45  
SERIO           30     46     49     50     62  
SHAYS            9     39     40     41  
SHERMAN         11  
SINGER          67     93    102    103    111    112    113  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF ERNST CSISZAR, DIRECTOR, SOUTH CAROLINA DEPARTMENT OF INSURANCE, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS
                                                                 PAGE    22

STATEMENT OF MIKE KREIDLER, WASHINGTON STATE INSURANCE COMMISSIONER
                                                                 PAGE    27

STATEMENT OF GREGORY SERIO, SUPERINTENDENT, NEW YORK STATE INSURANCE DEPARTMENT
                                                                 PAGE    30

STATEMENT OF THOMAS AHART, AHART, FRINZI AND SMITH AGENCY, ON BEHALF OF THE INDEPENDENT INSURANCE 
AGENTS AND BROKERS OF AMERICA
                                                                 PAGE    64

STATEMENT OF ROGER SINGER, SENIOR VICE PRESIDENT AND GENERAL COUNSEL, ONEBEACON, ON BEHALF OF 
AMERICAN INSURANCE ASSOCIATION
                                                                 PAGE    67

STATEMENT OF ALBERT COUNSELMAN, PRESIDENT AND CEO, RIGGS, COUNSELMAN, MICHAELS AND DOWNS, INC., ON 
BEHALF OF THE COUNSEL OF INSURANCE AGENTS AND BROKERS
                                                                 PAGE    72

STATEMENT OF ANTHONY DICKSON, PRESIDENT, NJM INSURANCE GROUP, ON BEHALF OF PROPERTY CASUALTY 
INSURERS ASSOCIATION OF AMERICA
                                                                 PAGE    75

STATEMENT OF J. ROBERT HUNTER, DIRECTOR OF INSURANCE, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    78

STATEMENT OF JANICE OCHENKOWSKI, VICE PRESIDENT EXTERNAL AFFAIRS, RISK AND INSURANCE MANAGEMENT 
SOCIETY, INC.
                                                                 PAGE    82

STATEMENT OF PHILLIP O'CONNOR, CONSTELLATION NEW ENERGY, INC.
                                                                 PAGE    86


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING