WITNESS LIST Business & Commerce Committee October 25, 2004 -10:00A Credit Scoring Models ON: Higgins, Jr., Hugh (Self), Austin, TX Insurance ON: Bordelon, Rod Public Insurance Counsel (Office of Public Insurance Counsel), Austin, TX Floyd, Beaman Lobbyist (Texas Coalition for Affordable Insurance Solutions), Austin, TX Kelemen, George Director (AARP), Austin, TX Montemayor, Jose Commissioner (Texas Department of Insurance), Austin, TX Shelley, Bonnie (AARP), Austin, TX Wendell, Ware Policy Director (Texas Watch), Austin, TX