Witnesses: J. David Cummins, Harry Loman Prof. of Insurance & Risk Mgmt., the Wharton School, Univ. of PA; Scott Harrington, Prof. of Insur. & Finance, Moore School of Bus., Univ. of South Carolina; Richard Hillman, Dir., Financial Markets & Community Invest., GAO; R. Glenn Hubbard, Council of Econ. Advisers; Constantinos Iordanou, Sr. Exec. V.P. of Group Oper. & Bus. Dev't., Zurich Fin'l. Serv. Group; David Keating, Nat. Taxpayers Union; David Mathis, Kemper Insur. Co.; Marjorie Nordlinger, Sr. Office of the General Counsel, NRC; Paul O'Neill, Sec., Dept. of the Treasury, accomp. by Sheila Bair, Assist. Sec. for Financial Institutions; John Sinnott, Marsh, Inc.; & Roy Williams, Dir. of Aviation, Louis Armstrong New Orleans International Airport.Baker, Richard H. is the author of 'Protecting Policyholders from Terrorism Private Sector Solutions Hearing Before the Committee on Financial Services, U.S. House of Representatives' with ISBN 9780756730420 and ISBN 0756730422.