SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      2      3      4      5      9     10     11     12  
                15     17     21     24     25     26     30     31     34  
                35     38     39     42     43     44     45     46     50  
                53     54     55     56     57     58  
FLAKE           21     22     23     24  
KANJORSKI        2     12     13     14     15  
KINSEY          39     43     44     49     50     54  
LEACH            2     12     15     17     50     51     52     53     58  
MORRISON        35     44     45     47  
RETSINAS        30     31     48     51     52     53     55     56     57  
SESSIONS        21  
SHEAR           11     12     13     14     17     23     28  
STROMBERG        4      5      9     10     11     12     13     16     18  
                19     20     21     22     23     25     26     27     28  
                29     30  
VENTO            3     17     18     19     20     21     27     28     29  
                47     48     49     50     54  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF JEAN G. STROMBERG, DIRECTOR, FINANCIAL INSTITUTIONS AND MARKET ISSUES, GENERAL 
ACCOUNTING OFFICE; ACCOMPANIED BY WILLIAM B. SHEAR, ASSISTANT DIRECTOR, GENERAL GOVERNMENT 
DIVISION; AND KAY HARRIS, ASSISTANT DIRECTOR, FINANCIAL INSTITUTIONS AND MARKET ISSUES 
                                                                 PAGE     4

STATEMENT OF HON. NICHOLAS P. RETSINAS, ASSISTANT SECRETARY FOR HOUSING AND FEDERAL HOUSING 
COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
                                                                 PAGE    30

STATEMENT OF BRUCE A. MORRISON, CHAIRMAN, FEDERAL HOUSING FINANCE BOARD
                                                                 PAGE    35

STATEMENT OF MARK A. KINSEY, ACTING DIRECTOR, OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT 
                                                                 PAGE    39


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING