SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS          96     97    109    110    111    112    113    114    115  
BRADLEY S. CLANTON     4  
CHABOT           7      9     10     11     12     13     25     36     58  
                83     85     87     88     89     90     95     96     97  
               100    105    108    114    115  
CRYSTAL M. ROBERTS     4  
DAVID LACHMANN     4  
EMPLOYERS       42  
FORBES         105  
HEALTH PLANS AND INSURERS    41  
HUSTEAD         11     37     87     91     92     98    103    104    105  
JR., WISCONSIN     2  
KRISTEN SCHULTZ     4  
MILLER          10     13     88    100    103  
MORELLA         97     98     99    105    106    107    108    109  
NADLER          83     90     91     92     93     94     95  
PAUL B. TAYLOR     4  
PEEL            59     86    102    106    107  
PERRY H. APELBAUM     3  
PHILIP G. KIKO     3  
ROWE            25     90     93     94     95     99    101    108    109  
               110    111    112    113    114  
SCOTT            9     12     96    100    101    102    104  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF TOM MILLER, J.D., DIRECTOR OF HEALTH STUDIES, CATO INSTITUTE
                                                                 PAGE    13

STATEMENT OF JOHN W. ROWE, M.D., CHAIRMAN AND CEO, AETNA, INC.
                                                                 PAGE    25

STATEMENT OF JOANNE L. HUSTEAD, J.D., SENIOR COUNSEL, HEALTH PRIVACY PROJECT, AND ASSISTANT 
RESEARCH PROFESSOR, INSTITUTE FOR HEALTH CARE RESEARCH, GEORGETOWN UNIVERSITY
                                                                 PAGE    37

STATEMENT OF DEBORAH PEEL, M.D., PRESIDENT,
                                                                 PAGE    59


INSERTS    SPEAKERS   CONTENTS