SPEAKER INDEX CONTENTS INSERTS BACHUS 1 6 7 8 13 14 15 16 17 18 19 20 21 22 23 24 25 29 30 31 34 41 42 49 52 53 55 56 62 68 70 71 72 73 77 78 79 80 81 83 84 85 86 BAUCHUS 22 42 46 BOWNÉ 46 53 55 57 66 68 78 79 80 81 82 83 84 D'AMOURS 42 53 55 57 61 63 65 76 77 78 85 86 KANJORSKI 31 35 36 37 38 39 40 41 68 70 71 72 73 74 75 76 81 82 83 84 KILPATRICK 6 17 19 22 23 24 25 26 27 28 29 56 57 59 60 61 LACHANCE 8 13 14 15 16 17 18 21 22 25 26 33 34 38 LATOURETTE 7 31 33 34 62 65 68 85 86 OKIN 15 17 18 19 20 21 22 26 27 28 29 33 35 36 37 38 39 40 WATERS 30 WHEAT 49 52 53 59 60 68 69 71 72 73 74 75 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. JANICE R. LaCHANCE, ACTING DIRECTOR, OFFICE OF PERSONNEL MANAGEMENT, ACCOMPANIED BY CAROL OKIN, ASSOCIATE DIRECTOR OF MERIT SYSTEM OVERSIGHT PAGE 8 STATEMENT OF HON. NORMAN E. D'AMOURS, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 41 STATEMENT OF HON. SHIRLEE BOWNÉ, VICE CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 46 STATEMENT OF HON. YOLANDA T. WHEAT, BOARD MEMBER, NATIONAL CREDIT UNION ADMINISTRATION PAGE 49 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING