"How The Insurance Commissioner Views The No-Fault Bill,"  in Georgia Trial Lawyers Association, Life After No-Fault  (Atlanta, GA: Continuing Legal Education Series, October 4, 1991), pp. 49-63

The Death Spiral : It's Time to Kill It.  RHA Review, Dallas, TX, (Vol. 4, No.1, 1997)

Why Choice No-Fault Fails.  Law Reporter: Journal of the Consumer Lawyers of Hawaii, (July, 1997) 

National No-Fault Insurance - No Bargain For U.S. Drivers  BridgeNews Forum: A Series of Viewpoints on Government Regulation, (July, 1998)  

Old South/New South Party Coalitions and the Mattingly-Fowler Senate Race, Election Politics (Spring, 1988)

"Issues In Auto Insurance Affordability: Legislative Solutions," National Conference of State Legislatures, Las Vegas, 1998

"Auto Insurance Rate Setting Principles and Underwriting Practices," NATLE/ATLA Conference, Hilton Head, SC, 1998 

"Why S. 627 Won't Lower Auto Insurance Rates." Written and oral testimony to U.S. Senate Commerce Committee, 1998

"Non-File Insurance." Written and Oral Testimony to South Carolina Senate Committee on Commerce & Industry, October, 1998

 "The Case for Non-File Insurance: Issues and Answers." Written and oral testimony to the Consumer Finance Study Committee, South Carolina General Assembly, October, 1998.


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