The U.S. Chamber of Commerce is pleased to sponsor this conference as a means of providing information to our members and giving them an opportunity to learn more about regulatory frameworks in the transatlantic insurance market.  We organize and sponsor conferences regularly to keep our members informed about developments affecting the business community both within the United States and internationally.  We are fortunate to have a number of distinguished speakers participating both from government agencies and the private sector.  As always, it should be understood that the remarks of speakers at the conference represent their views or those of their respective institutions and not necessarily those of the U.S. Chamber of Commerce.