mr. harper. >> members of the committee, my name is frank harper. i am a farming operation in kansas.board of directors of the national cattlemen's beef association. i am pleased to be here today. mine is a trade organization on regulatory issues. members are involved in many aspects of the livestock industry including feedstock, production, cattle feeding, dairy production, land management, and farming operations. the beef industry is the key segment -- segment of the kansas economy. it is a major piece of the beef injury -- industry. it is best served by the process of free enterprise and free trade. feed trade is more equitable than the subsidized markets that tend to retard innovation or distort production and market signals. members oppose attempts to narrow the business options or limit the individual freedom of livestock producers to innovate in the management of marketing of their production. ncba continues to oppose the regulation referred to as the rule and introduced last year. u.s. producers are concerned that the rule would expand the role of government and 11 a producer'

mr. harper for five minutes. >> thank you. commissioner ramirez i want to follow up on some questions regarding arms to consumers. and the commission provide specific examples of actual harm or are we talking hypothetical? >> what we are concerned about our not speculation. there were public reports, activities along the lines of the hypothetical in the opening statement actually happening, insurance companies are developing models by which they can assemble information available to them through this aggregation of data we have been discussing as a means of substituting what would be more complicated underwriting analysis so the potential is clearly there. there are reports that these things are happening today. >> are you able to provide evidence or documentation of specific harms? >> we are happy to provide more detail about those. >> as we look at this, before we look additional regulations we looking information. should the federal government be required to show significant consumer harm that exists with additional cost we

mr. harper was pursuing. in december of 2010, they issued a privacy report to open up the discussion, and in the report, the concept of do not track. this concept has been compared by the ftc and others to the national do not call registry, already managed by the commission. but in reality, they are very different. do not call, as you know, was created because people were being bothered by unsoliciting telephone calls, particularly during the dinner hours. it's not invasive the way telephone calls are. they can ignore the ad. in my experience, none of my friends have slammed their computer on the floor because of the advertising, but i've seen many slam their phones on the floor. there are many benefited to targeting added, giving consumers information about products and services they might be interested in, and it has great value to consumers. it the advertising revenue funds, the free online content the service that consumers enjoy. but i ask you, do you concur that do not track is analogous to do not call?

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