SPEAKER INDEX    CONTENTS   INSERTS   
BOWNE           19     26     34     40  
HINCHEY         37     38  
HOVE            21     26     33     40  
KINGHORN        49     59     62     64     65     66     67     68  
LAFALCE          4     23     24     25     26     27     28  
LEACH            1      5      6      7      8     12     47     48     49  
                54     58     60     61     64     65     66     67     68  
LUCAS           16     19     21     23     27     28     32     36     37  
                38     39     40     41     42     45     46     48  
LUDWIG          12     25     27     32  
MCCOOL          42     45     46     47     48  
REDMOND          8     36     37  
RETSINAS        16     25     28     29     30     31     36  
RISO            49     54     60     61     63     65     66     67     68  
RIVLIN           9     24     25     38     39  
ROUKEMA          5  
SESSIONS         7     28     29     31  
VENTO            6     32     33     34     35  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. ALICE M. RIVLIN, VICE CHAIR, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE     9

STATEMENT OF HON. EUGENE A. LUDWIG, COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE    12

STATEMENT OF HON. NICOLAS P. RETSINAS, DIRECTOR, OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE 
TREASURY
                                                                 PAGE    16

STATEMENT OF SHIRLEE P. BOWNE, VICE CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    19

STATEMENT OF ANDREW C. HOVE, JR., ACTING CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    21

STATEMENT OF THOMAS J. McCOOL, ECONOMIST/ASSOCIATE DIRECTOR, GENERAL ACCOUNTING OFFICE
                                                                 PAGE    42

STATEMENT OF C. MORGAN KINGHORN, JR., FELLOW, NATIONAL ACADEMY OF PUBLIC ADMINISTRATION
                                                                 PAGE    49

STATEMENT OF GERALD R. RISO, RISO & RISO
                                                                 PAGE    54


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING