In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
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Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Hudson River Valley Special Resource 
Study Act''.

SEC. 2. DEFINITIONS.

    In this Act:
            (1) Secretary.--The term ``Secretary'' means the Secretary 
        of the Interior.
            (2) Study area.--The term ``study area''--
                    (A) means the portion of the Hudson River that 
                flows from Rodgers Island at Fort Edward to the 
                southern-most boundary of Westchester County, New York; 
                and
                    (B) includes any relevant sites and landscapes 
                within the counties in New York that abut the area 
                described in subparagraph (A).

SEC. 3. FINDINGS.

    Congress finds as follows:
            (1) The Hudson River Valley possesses important and unique 
        cultural, historical, natural, recreational and scenic 
        resources that have been central to the development and 
        sustainment of our Nation.
            (2) The Hudson River Valley encompasses a rich array of 
        sensitive natural resources ranging from the River itself and 
        its vast estuarine district, to its wetlands, refuges, parks, 
        forests, farmlands, preserves, cliffs, mountains, and valleys.
            (3) The Hudson River and its tributaries are home to a 
        number of rare and threatened animal species, habitats, and 
        plants.
            (4) The Hudson River Valley is home to myriad biking, 
        heritage, pedestrian and scenic trail systems on the eastern 
        and western sides of the River that are now connected by the 
        Walkway Over the Hudson bridge, which has been designated as a 
        National Recreation Trail.
            (5) Throughout history, the Hudson River Valley has played 
        a central role in the development of our nation, starting from 
        the vibrant Native American communities that first inhabited 
        the land, to Henry Hudson's voyage up the river later named for 
        him in the vessel Half Moon in 1609 and later with the American 
        Revolution, the debate on our Constitution, the first 
        successful steamboat voyage by Robert Fulton in 1807, the 
        Industrial Revolution, and the modern labor and environmental 
        movements.
            (6) The Hudson River Valley gave birth to important 
        movements in American art, architecture and literature through 
        the work of Andrew Jackson Downing, Alexander Jackson Davis, 
        Thomas Cole, Frederick Church and their associates from the 
        Hudson River School of Art, as well as through authors such as 
        Washington Irving, James Fenimore Cooper, William Cullen 
        Bryant, Susan and Anna Warner, and John Burroughs.
            (7) The depictions and descriptions of the Hudson River 
        Valley's renowned scenery and natural resources played a 
        central role in the recognition of the value of the landscape 
        and the development of an American esthetic and environmental 
        ideal.
            (8) A 1996 National Park Service study called the Hudson 
        River Valley ``the landscape that defined America.''.
            (9) The Hudson River Valley has been the subject of 
        multiple State and Federal inventories, studies, and plans that 
        should greatly assist a National Park Service special resource 
        study.

SEC. 4. AUTHORIZATION OF STUDY.

    (a) In General.--As soon as funds are made available for this 
purpose, the Secretary shall complete a study of the Hudson River 
Valley in the State of New York to evaluate--
            (1) the national significance of the area; and
            (2) the suitability and feasibility of designating the area 
        as a unit of the National Park System.
    (b) Study Guidelines.--In conducting the study under subsection 
(a), the Secretary shall--
            (1) use the criteria for the study of areas for potential 
        inclusion in the National Park System included in section 8 of 
        Public Law 91-383, as amended by section 303 of the National 
        Parks Omnibus Management Act of 1998 (Public Law 105-391; 112 
        Stat. 3501); and
            (2) closely examine park unit models, in particular 
        national river and recreation areas, as well as other landscape 
        protection models, that--
                    (A) encompass large areas of non-Federal lands 
                within their designated boundaries;
                    (B) foster public and private collaborative 
                arrangements for achieving National Park Service 
                objectives; and
                    (C) protect and respect the rights of private land 
                owners.

SEC. 5. REPORT.

    Not later than 24 months after the date that funds are first made 
available for this purpose, the Secretary shall submit to the Committee 
on Energy and Natural Resources of the Senate and the Committee on 
Natural Resources of the House of Representatives a report on the 
findings, conclusions, and recommendations of the study authorized by 
this Act.

Answer: Hudson River Valley Special Resource Study Act - Directs the Secretary of the Interior to complete a study of the Hudson River Valley in the state of New York to evaluate: (1) the national significance of the part of the Hudson River that flows from Rodgers Island at Fort Edward to the southern-most boundary of Westchester County, New York, including any relevant sites and landscapes within counties in New York that abut that part of the River (the study area); and (2) the suitability and feasibility of designating the study area as a unit of the National Park System.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Ottawa National Wildlife Refuge 
Complex Expansion and Detroit River International Wildlife Refuge 
Expansion Act''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) the western basin of Lake Erie, as part of the Great 
        Lakes ecosystem--
                    (A) is the largest freshwater ecosystem in the 
                world; and
                    (B) is vitally important to the economic and 
                environmental future of the United States;
            (2) over the 30-year period preceding the date of enactment 
        of this Act, the citizens and governmental institutions of the 
        United States and Canada have devoted increasing attention and 
        resources to the restoration of the water quality and fisheries 
        of the Great Lakes, including the western basin;
            (3) that increased awareness has been accompanied by a 
        gradual shift toward a holistic ecosystem approach that 
        highlights a growing recognition that shoreline areas, commonly 
        referred to as nearshore terrestrial ecosystems, are an 
        integral part of the western basin and the Great Lakes 
        ecosystem;
            (4) the Great Lakes account for more than 90 percent of the 
        surface freshwater in the United States;
            (5) the western basin of Lake Erie receives approximately 
        90 percent of its flow from the Detroit River and only 
        approximately 10 percent from tributaries;
            (6) the western basin is an important ecosystem that 
        includes a number of distinct islands, channels, rivers, and 
        shoals that support dense populations of fish, wildlife, and 
        aquatic plants;
            (7) coastal wetland of Lake Erie supports the largest 
        diversity of plant and wildlife species in the Great Lakes;
            (8) because Lake Erie is located at a more southern 
        latitude than other Great Lakes, the moderate climate of Lake 
        Erie is appropriate for many species that are not found in or 
        along the northern Great Lakes;
            (9) more than 300 species of plants, including 37 
        significant species, have been identified in the aquatic and 
        wetland habitats of the western basin;
            (10) the shallow western basin of Lake Erie, extending from 
        the Lower Detroit River to Sandusky Bay, is home to the 
        greatest concentration of marshes in Lake Erie, including--
                    (A) Mouille, Metzger, and Magee marshes;
                    (B) the Maumee Bay wetland complex;
                    (C) the wetland complexes flanking Locust Point; 
                and
                    (D) the wetland in Sandusky Bay;
            (11) the larger islands of the United States in western 
        Lake Erie have wetland in small embayments;
            (12) the wetland in the western basin comprises some of the 
        most important waterfowl habitat in the Great Lakes;
            (13) waterfowl, wading birds, shore birds, gulls and terns, 
        raptors, and perching birds use the wetland in the western 
        basin for migration, nesting, and feeding;
            (14) hundreds of thousands of diving ducks stop to rest in 
        the Lake Erie area during autumn migration from Canada to 
        points east and south;
            (15) the wetland of the western basin provides a major 
        stopover for sea ducks, such as migrating common goldeneye, 
        common mergansers, and ruddy duck;
            (16) the international importance of Lake Erie is indicated 
        in the United States by congressional designation of the Ottawa 
        and Cedar Point National Wildlife Refuges;
            (17)(A) Lake Erie has an international reputation for 
        walleye, perch, and bass fishing, recreational boating, 
        birding, photography, and duck hunting; and
            (B) on an economic basis, tourism in the Lake Erie area 
        accounts for an estimated $1,500,000,000 in retail sales and 
        more than 50,000 jobs;
            (18)(A) many of the 417,000 boats that are registered in 
        the State of Ohio are used in the western basin, in part to 
        fish for the estimated 10,000,000 walleye that migrate from the 
        lake to spawn; and
            (B) that internationally renowned walleye fishery drives 
        much of the $2,000,000,000 sport fishing industry in the State 
        of Ohio;
            (19) coastal wetland in the western basin has been 
        subjected to intense pressure for 150 years;
            (20) prior to 1850, the western basin was part of an 
        extensive coastal marsh and swamp system consisting of 
        approximately 122,000 hectares that comprised a portion of the 
        Great Black Swamp;
            (21) by 1951, only 12,407 wetland hectares remained in the 
        western basin;
            (22) 50 percent of that acreage was destroyed between 1972 
        and 1987, leaving only approximately 5,000 hectares in 
        existence today;
            (23) along the Michigan shoreline, coastal wetland was 
        reduced by 62 percent between 1916 and the early 1970s;
            (24) the development of the city of Monroe, Michigan, has 
        had a particularly significant impact on the coastal wetland at 
        the mouth of the Raisin River;
            (25) only approximately 100 hectares remain physically 
        unaltered today in an area in which, 70 years ago, marshes were 
        10 times more extensive;
            (26) in addition to the actual loss of coastal wetland 
        acreage along the shores of Lake Erie, the quality of much 
        remaining dike wetland has been degraded by numerous stressors, 
        especially excessive loadings of sediments and nutrients, 
        contaminants, shoreline modification, exotic species, and the 
        diking of wetland; and
            (27) protective peninsula beach systems, such as the former 
        Bay Point and Woodtick, at the border of Ohio and Michigan near 
        the mouth of the Ottawa River and Maumee Bay, have been eroded 
        over the years, exacerbating erosion along the shorelines and 
        negatively affecting breeding and spawning grounds.

SEC. 3. PURPOSE.

    The purpose of this Act is to establish a national wildlife refuge 
complex in the State of Ohio--
            (1)(A) to protect the remaining high-quality fish and 
        wildlife habitats of the western basin before those habitats 
        are lost to further development; and
            (B) to restore and enhance degraded wildlife habitats 
        associated with the western basin;
            (2) in partnership with nongovernmental and private 
        organizations and private individuals dedicated to habitat 
        enhancement, to conserve, enhance, and restore the native 
        aquatic and terrestrial community characteristics of the 
        western basin (including associated fish, wildlife, and plant 
        species);
            (3) to facilitate partnerships among the United States Fish 
        and Wildlife Service, Canadian national and provincial 
        authorities, State and local governments, local communities in 
        the United States and Canada, conservation organizations, and 
        other non-Federal entities to promote public awareness of the 
        resources of the western basin; and
            (4) to advance the collective goals and priorities that--
                    (A) were established in the report entitled ``Great 
                Lakes Strategy 2002--A Plan for the New Millennium'', 
                developed by the United States Policy Committee, 
                comprised of Federal agencies (including the United 
                States Fish and Wildlife Service, the National Oceanic 
                and Atmospheric Administration, the United States 
                Geological Survey, the Forest Service, and the Great 
                Lakes Fishery Commission) and State governments and 
                tribal governments in the Great Lakes basin; and
                    (B) include the goals of cooperating to protect and 
                restore the chemical, physical, and biological 
                integrity of the Great Lakes basin ecosystem.

SEC. 4. DEFINITIONS.

    In this Act:
            (1) Cedar point refuge.--The term ``Cedar Point Refuge'' 
        means the Cedar Point National Wildlife Refuge established by 
        the Secretary in accordance with the Migratory Bird 
        Conservation Act (16 U.S.C. 715 et seq.).
            (2) International refuge.--The term ``International 
        Refuge'' means the Detroit River International Wildlife Refuge 
        established by section 5(a) of the Detroit River International 
        Wildlife Refuge Establishment Act (16 U.S.C. 668dd note; 115 
        Stat. 894).
            (3) Ottawa refuge.--The term ``Ottawa Refuge'' means the 
        Ottawa National Wildlife Refuge, established by the Secretary 
        in accordance with the Migratory Bird Conservation Act (16 
        U.S.C. 715 et seq.).
            (4) Refuge complex.--The term ``Refuge Complex'' means the 
        national wildlife refuge complex established by section 5(a).
            (5) Secretary.--The term ``Secretary'' means the Secretary 
        of the Interior.
            (6) Western basin.--
                    (A) In general.--The term ``western basin'' means 
                the western basin of Lake Erie, consisting of the land 
                and water in the watersheds of Lake Erie extending from 
                the watershed of the Lower Detroit River in the State 
                of Michigan to and including Sandusky Bay and the 
                watershed of Sandusky Bay in the State of Ohio.
                    (B) Inclusion.--The term `western basin' includes 
                the Bass Island archipelago in the State of Ohio.
            (7) West sister island refuge.--The term ``West Sister 
        Island Refuge'' means the West Sister Island National Wildlife 
        Refuge established by Executive Order 7937, dated August 2, 
        1937.

SEC. 5. NATIONAL WILDLIFE REFUGE COMPLEX.

    (a) Establishment.--There is established a national wildlife refuge 
complex in the State of Ohio, consisting of--
            (1) the Ottawa Refuge, as modified by subsection (b);
            (2) the West Sister Island Refuge; and
            (3) the Cedar Point Refuge.
    (b) Expansion of Ottawa National Wildlife Refuge.--
            (1) In general.--The Secretary shall expand the boundaries 
        of the Ottawa Refuge to include surrounding land and water in 
        the State of Ohio extending from the eastern boundary of the 
        Maumee Bay State Park to the eastern boundary of the Darby Unit 
        (including the Bass Island archipelago) as depicted on the map 
        entitled ``Ottawa National Wildlife Refuge Complex Expansion 
        and Detroit River International Wildlife Refuge Expansion 
        Act'', dated September 6, 2002.
            (2) Availability of map.--The map referred to in paragraph 
        (1) shall be available for inspection in appropriate offices of 
        the United States Fish and Wildlife Service.
    (c) Boundary Revisions.--The Secretary may make such revisions of 
the boundaries of the Refuge Complex as the Secretary determines to be 
appropriate--
            (1) to facilitate the acquisition of property within the 
        Refuge Complex; or
            (2) to carry out this Act.
    (d) Acquisition.--
            (1) In general.--Subject to paragraph (2), the Secretary 
        may acquire by donation, purchase with donated or appropriated 
        funds, or exchange the land and water, and interests in land 
        and water (including conservation easements), within the 
        boundaries of the Refuge Complex.
            (2) Consent.--No land, water, or interest in land or water 
        described in paragraph (1) may be acquired by the Secretary 
        without the consent of the owner of the land, water, or 
        interest.
    (e) Transfers From Other Agencies.--Administrative jurisdiction 
over any Federal property that is located within the boundaries of the 
Refuge Complex and under the administrative jurisdiction of an agency 
of the United States other than the Department of the Interior may, 
with the concurrence of the head of the administering agency, be 
transferred without consideration to the Secretary for the purpose of 
this Act.
    (f) Study of Associated Area.--
            (1) In general.--The Secretary, acting through the Director 
        of the United States Fish and Wildlife Service, shall conduct a 
        study of fish and wildlife habitat and aquatic and terrestrial 
        communities in and around the 2 dredge spoil disposal sites 
        that are--
                    (A) referred to by the Toledo-Lucas County Port 
                Authority as ``Port Authority Facility Number Three'' 
                and ``Grassy Island'', respectively; and
                    (B) located within Toledo Harbor near the mouth of 
                the Maumee River.
            (2) Report.--Not later than 18 months after the date of 
        enactment of the Act, the Secretary shall--
                    (A) complete the study under paragraph (1); and
                    (B) submit to Congress a report on the results of 
                the study.

SEC. 6. EXPANSION OF INTERNATIONAL REFUGE BOUNDARIES.

    The Secretary shall expand the southern boundary of the 
International Refuge to include additional land and water in the State 
of Michigan located east of Interstate Route 75, extending from the 
southern boundary of Sterling State Park to the Ohio State line, as 
depicted on the map referred to in section 5(b)(1).

SEC. 7. ADMINISTRATION.

    (a) Refuge Complex.--
            (1) In general.--The Secretary shall administer all 
        federally owned land, water, and interests in land and water 
        that are located within the boundaries of the Refuge Complex in 
        accordance with--
                    (A) the National Wildlife Refuge System 
                Administration Act of 1966 (16 U.S.C. 668dd et seq.); 
                and
                    (B) this Act.
            (2) Additional authority.--The Secretary may use such 
        additional statutory authority available to the Secretary for 
        the conservation of fish and wildlife, and the provision of 
        opportunities for fish- and wildlife-dependent recreation, as 
        the Secretary determines to be appropriate to carry out this 
        Act.
    (b) Priority Uses.--In providing opportunities for compatible fish- 
and wildlife-dependent recreation, the Secretary, in accordance with 
paragraphs (3) and (4) of section 4(a) of the National Wildlife Refuge 
System Administration Act of 1966 (16 U.S.C. 668dd(a)), shall ensure, 
to the maximum extent practicable, that hunting, trapping, fishing, 
wildlife observation and photography, and environmental education and 
interpretation are the priority public uses of the Refuge Complex.
    (c) Cooperative Agreements Regarding Non-Federal Land.--To promote 
public awareness of the resources of the western basin and encourage 
public participation in the conservation of those resources, the 
Secretary may enter into cooperative agreements with the State of Ohio 
or Michigan, any political subdivision of the State, or any person for 
the management, in a manner consistent with this Act, of land that--
            (1) is owned by the State, political subdivision, or 
        person; and
            (2) is located within the boundaries of the Refuge Complex.
    (d) Use of Existing Greenway Authority.--The Secretary shall 
encourage the State of Ohio to use authority under the recreational 
trails program under section 206 of title 23, United States Code, to 
provide funding for acquisition and development of trails within the 
boundaries of the Refuge Complex.

SEC. 8. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated such sums as are 
necessary--
            (1) to acquire land and water within the Refuge Complex 
        under section 5(d);
            (2) to carry out the study under section 5(f); and
            (3) to develop, operate, and maintain the Refuge Complex.

Answer: Ottawa National Wildlife Refuge Complex Expansion and Detroit River International Wildlife Refuge Expansion Act - Establishes a national wildlife refuge complex in Ohio, consisting of the Ottawa, West Sister Island, and Cedar Point National Wildlife Refuges.Requires the Secretary of the Interior to expand the Ottawa Refuge to include specified land and water in Ohio. Permits the Secretary to acquire by donation, purchase, or exchange the land and water and interests in land and water within the boundaries of the Complex.Directs the Secretary, acting through the Director of the United States Fish and Wildlife Service, to study and report to Congress on fish and wildlife habitat and aquatic and terrestrial communities in and around two specified dredge spoil disposal sites in Toledo Harbor.Requires the Secretary to expand the southern boundary of the Detroit River International Wildlife Refuge (the Refuge) to include additional land and water located in the State of Michigan east of Interstate Route 75.Prescribes requirements for administration of the Complex.Directs the Secretary to ensure that hunting, trapping, fishing, wildlife observation and photography, and environmental education and interpretation shall be the priority public uses of the Complex.Requires the Secretary to encourage the State of Ohio to use authority under the Federal recreational trails program to provide funding for the acquisition and development of trails within the boundaries of the Complex.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Terrorism Risk Insurance Program 
Extension Act of 2004''.

SEC. 2. PROGRAM YEARS.

    Paragraph (11) of section 102 of the Terrorism Risk Insurance Act 
of 2002 (15 U.S.C. 6701 note) is amended by adding at the end the 
following new subparagraphs:
                    ``(E) Program year 4.--The term `Program Year 4' 
                means the period beginning on January 1, 2006 and 
                ending on December 31, 2006.
                    ``(F) Program year 5.--The term `Program Year 5' 
                means the period beginning on January 1, 2007 and 
                ending on December 31, 2007.
                    ``(G) Final program year.--The term `Final Program 
                Year' means the period beginning on January, 1, 2008 
                and ending on December 31, 2008.''.

SEC. 3. APPLICABILITY OF PROGRAM TO FINAL PROGRAM YEAR.

    Paragraph (5) of section 102 of the Terrorism Risk Insurance Act of 
2002 (15 U.S.C. 6701 note) is amended--
            (1) by redesignating subparagraphs (A) and (B) as clauses 
        (i) and (ii) and realigning such paragraphs, as so 
        redesignated, so as to be indented 6 ems from the left margin;
            (2) by striking all of the matter that precedes 
        subparagraph (A) and inserting the following:
            ``(5) Insured loss.--
                    ``(A) In general.--The term `insured loss' means 
                any loss resulting from an act of terrorism (including 
                an act of war, in the case of workers' compensation) 
                that is covered by primary or excess property and 
                casualty insurance issued by an insurer if such loss--
                ''; and
            (3) by adding at the end the following new subparagraph:
                    ``(B) Final program year.--With respect to the 
                Final Program Year, such term means only such losses as 
                are described in subparagraph (A) that are covered by 
                primary or excess property and casualty insurance 
                that--
                            ``(i) is issued before January 1, 2008; and
                            ``(ii) expires not later than December 31, 
                        2008.''.

SEC. 4. INSURER DEDUCTIBLE.

    Paragraph (7) of section 102 of the Terrorism Risk Insurance Act of 
2002 (15 U.S.C. 6701 note) is amended--
            (1) by striking subparagraph (D) and inserting the 
        following new subparagraph:
                    ``(D) for Program Years 3, 4, and 5, the value of 
                an insurer's direct earned premiums over the calendar 
                year immediately preceding such Program Year, 
                multiplied by 15 percent;'';
            (2) in subparagraph (E)--
                    (A) by striking ``or Program Year 3'' and inserting 
                ``Program Year 3, Program Year 4, or Program Year 5''; 
                and
                    (B) by striking the period at the end and inserting 
                ``; and''; and
            (3) by adding at the end the following new subparagraph:
                    ``(F) for the Final Program Year, the value of an 
                insurer's direct earned premiums for the terms 
                remaining under any policies for insurance described in 
                paragraph (5)(B) as of the occurrence of the act of 
                terrorism during such Year that results in insured 
                losses, as determined by the Secretary, multiplied by 
                15 percent.''.

SEC. 5. MANDATORY AVAILABILITY.

    Subsection (c) of section 103 of the Terrorism Risk Insurance Act 
of 2002 (15 U.S.C. 6701 note) is amended--
            (1) by striking all of the matter that precedes 
        subparagraph (A) of paragraph (1) and inserting the following:
    ``(c) Mandatory Availability.--During the period beginning on the 
first day of the Transition Period and ending on the last day of 
Program Year 5, each entity that meets the definition of an insurer 
under section 102--'';
            (2) by striking paragraph (2); and
            (3) by redesignating subparagraphs (A) and (B) as 
        paragraphs (1) and (2) and realigning such paragraphs, as so 
        redesignated, so as to be indented 2 ems from the left margin.

SEC. 6. INSURED LOSS SHARED COMPENSATION.

    Subsection (e) of section 103 of the Terrorism Risk Insurance Act 
of 2002 (15 U.S.C. 6701 note) is amended--
            (1) in paragraph (2)(A), by striking ``or Program Year 3'' 
        and inserting ``, Program Year 3, Program Year 4, Program Year 
        5, or the Final Program Year'';
            (2) in paragraph (3), by striking ``or Program Year 3'' and 
        inserting ``, Program Year 3, Program Year 4, Program Year 5, 
        or the Final Program Year''; and
            (3) in paragraph (6)(C), by striking ``Program Year 3'' and 
        inserting ``each of Program Year 3, Program Year 4, Program 
        Year 5, and the Final Program Year''.

SEC. 7. COVERAGE OF GROUP LIFE INSURANCE.

    (a) In General.--Section 102(5) of the Terrorism Risk Insurance Act 
of 2002 (15 U.S.C. 6701 note) is amended in the matter that precedes 
subparagraph (A) by inserting ``or group life insurance'' after 
``property and casualty insurance''.
    (b) Technical and Conforming Amendments.--The Terrorism Risk 
Insurance Act of 2002 (15 U.S.C. 6701 note) is amended--
            (1) in section 102(1)(B)(ii), by inserting ``and group life 
        insurance'' after ``property and casualty insurance'';
            (2) in section102(4), by inserting ``or group life 
        insurance'' after ``property and casualty insurance'';
            (3) in section 102(6)(B), by inserting ``or group life 
        insurance coverage'' after ``property and casualty insurance 
        coverage'';
            (4) in section 102(12)(B)(v), by striking ``including group 
        life insurance'' and inserting ``(except that this exclusion 
        from the definition under this paragraph shall not be construed 
        as affecting the inclusion of group life insurance coverage 
        within the Program under this title)'';
            (5) in section 103(e)(8)(A)(i), by inserting ``and group 
        life insurance policies'' after ``property and casualty 
        insurance policies'';
            (6) in subparagraphs (A)(iii) and (C) of section 103(e)(8), 
        by inserting ``, or group life insurance coverage, as the case 
        may be,'' after ``property and casualty insurance coverage'';
            (7) in section 103--
                    (A) by striking subsection (h); and
                    (B) by redesignating subsection (i) as subsection 
                (h); and
            (8) in paragraph (1) of section 108(d), by inserting ``and 
        the group life insurance industry'' after ``property and 
        casualty insurance industry'' .

SEC. 8. TERMINATION OF PROGRAM.

    Section 108 of the Terrorism Risk Insurance Act of 2002 (15 U.S.C. 
6701 note) is amended--
            (1) in subsection (a), striking ``December 31, 2005'' and 
        inserting ``December 31, 2008''; and
            (2) in subsection (d), by adding at the end the following 
        new paragraph:
            ``(3) Final gao study and report.--The Comptroller General 
        of the United States shall conduct an assessment of the matters 
        referred to in paragraph (1) and shall submit a report to the 
        Congress, not later than June 30, 2007, on the results of such 
        study.''.

Answer:
Terrorism Risk Insurance Program Extension Act of 2004 - Amends the Terrorism Risk Insurance Act of 2002 to extend the terrorism risk insurance program through December 31, 2008.

Restricts "insured loss" with respect to the Final Program Year to certain losses covered by property and casualty insurance issued before January 1, 2008, and expiring not later than December 31, 2008.

Sets forth an insurer deductible that is the value of an insurer's direct earned premiums multiplied by 15 percent for Program Years 3, 4, and 5, and for the Final Program Year.

Redefines "insured loss" to include group life insurance coverage.