SPEAKER INDEX CONTENTS INSERTS ALLISON BEACH 4 ART ARTHUR 4 BERMAN 60 62 63 CINDY BLACKSTON 4 DOW 35 43 48 52 72 73 80 81 FLAKE 49 50 51 52 53 GEORGE FISHMAN 4 HARRIS 18 39 40 64 65 69 71 74 77 HOSTETTLER 7 12 18 22 34 38 39 40 41 42 43 44 48 52 53 54 58 60 63 65 67 68 71 77 78 81 JACKSON LEE 43 44 47 48 67 68 71 79 80 81 KEPHART 14 38 39 66 LUNGREN 72 73 74 76 NOLAN RAPPAPORT 5 PERRY H. APELBAUM 3 PHILIP G. KIKO 3 ROSENZWEIG 22 40 41 42 46 47 49 50 51 53 55 56 57 58 59 60 61 62 63 75 80 WATERS 54 55 56 57 58 59 60 CONTENTS SPEAKERS INSERTS TESTIMONY OF JANICE L. KEPHART, PRINCIPAL AND MANAGING MEMBER, 9/11 SECURITY SOLUTIONS, LLC PAGE 14 TESTIMONY OF DAVID HARRIS, DIRECTOR, INSIGNIS STRATEGIC RESEARCH, INC. PAGE 18 TESTIMONY OF PAUL ROSENZWEIG, ACTING ASSISTANT SECRETARY FOR POLICY DEVELOPMENT, U.S. DEPARTMENT OF HOMELAND SECURITY PAGE 22 TESTIMONY OF ROGER DOW, PRESIDENT AND CHIEF EXECUTIVE OFFICER, TRAVEL INDUSTRY ASSOCIATION OF AMERICA PAGE 35 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING