SPEAKER INDEX CONTENTS INSERTS BACHUS 68 69 70 71 72 73 74 CAMPBELL 30 CHABOT 6 13 14 17 19 23 41 42 45 54 55 57 58 62 63 67 69 71 73 74 79 84 86 CONYERS 79 80 81 CRYSTAL M. ROBERTS 4 DAVID LACHMANN 4 FEENEY 74 77 KING 64 65 66 67 MINDY BARRY 4 NADLER 10 20 56 58 59 60 61 62 63 69 70 81 82 83 84 86 OWEN 14 54 59 60 61 62 70 73 PAUL B. TAYLOR 4 PECK 19 20 55 56 58 59 62 63 65 68 69 70 71 73 77 81 85 PERRY H. APELBAUM 3 PHILIP G. KIKO 3 SCHWARTZ 41 42 57 64 66 67 68 71 72 76 77 80 81 82 83 STATE FARM 30 CONTENTS SPEAKERS INSERTS STATEMENT OF DAVID OWEN, CAROLINA DISTINGUISHED PROFESSOR OF LAW AND DIRECTOR OF THE OFFICE OF TORT LAW STUDIES AT THE UNIVERSITY OF SOUTH CAROLINA PAGE 14 STATEMENT OF ROBERT PECK PAGE 19 STATEMENT OF VICTOR SCHWARTZ PAGE 41 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING