GARY G. MILLER: “If we had done that, we wouldn't be where we are today.”

I enjoyed your opening statement. You talked about empowering consumers, fair, transparent, and competitive marketplaces, and dealing with bad actors.

It is essential that Congress fully understand the impact international regulatory standards will have on the competitiveness of U.S. insurers.

While I strongly believe in coordination among international regulators, we must resist the tendency of pursuing a one-size-fits-all approach.

We are starting to see a rebound in the housing market, and that is really important to the economic recovery of this country and for job creation.