I am intrigued by the notion, and I am a person who likes to figure out what works to solve our problems and not be doctrinaire about it.

I would be doing better if this mike would stay put.

I think one of the reasons why welfare reform has been, by most people's judgment, a terrific success--not for everybody, but for most people--is that case rolls are down by half, and people who have gone to work are better off.

Ohio is fortunate to have a high-quality bioterrorism preparedness training program at the University of Findlay.

As a member of the Senate Appropriations Committee, I worked to ensure that the University of Findlay's antiterrorism program received careful attention during the appropriations process.

Ohio is fortunate to have a high-quality bioterrorism preparedness training program at the University of Findlay.

As a member of the Senate Appropriations Committee, I worked to ensure that the University of Findlay's antiterrorism program received careful attention during the appropriations process.

That does not make sense to me.

Even by that analysis, it is a very substantial amount.

We need a long-term solution that is not just completely dependent on the marketplace making a decision.

I think that is the point, when we talk about how healthy the industry is with regard to surplus.

I am troubled by this context because if we think that this program is necessary to deal with a short-run problem by the industry and its inability to price this risk...

I appreciate the thoughtfulness of your presentation, even though I might not totally agree on all aspects.

I wonder if you have done any economic analysis if we do not act with regard to this.

I do not think that the insurance companies are going to develop a book that allows them to be able to do that in that timeframe...

I also would like to know if your intent with regard to the legal recommendations that you are making are designed only to fit to the bridge proposal you have here, or are they intended to be long-term recommendations with regard to…

Nobody is going to write a prospectus now without the question of terrorism being one of the risk characteristics that you have to address.

I too would like to give my congratulations and laud you for how the industry has reacted in the post-September 11 time.