SPEAKER INDEX CONTENTS INSERTS ACKERMAN 57 58 59 60 61 62 BARRETT 72 90 91 DYER 33 38 44 46 57 62 63 FAIRCLOTH 12 FRANKS 20 GARDNER 31 42 43 48 49 50 51 57 58 59 HAWKE 24 37 39 40 41 42 43 44 45 47 48 52 54 55 56 57 60 61 KANJORSKI 15 KIBBLE-SMITH 66 76 77 78 79 83 84 86 87 88 89 92 KILPATRICK 11 46 47 48 49 50 51 52 LAFALCE 9 MALONEY 7 8 MEEKS 56 ROUKEMA 1 7 9 10 11 14 20 23 30 33 37 38 39 40 46 52 55 56 62 63 64 65 69 72 75 76 77 78 79 80 88 91 92 93 ROYBAL-ALLARD 52 54 55 SAUNDERS 69 79 81 82 93 SHERMAN 62 63 64 VENTO 4 41 42 43 44 45 46 63 80 81 82 83 84 86 87 88 89 90 91 92 WATT 7 WELDON 10 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. LAUCH FAIRCLOTH, A UNITED STATES SENATOR FROM THE STATE OF NORTH CAROLINA PAGE 12 STATEMENT OF HON. PAUL E. KANJORSKI, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF PENNSYLVANIA PAGE 15 STATEMENT OF HON. BOB FRANKS, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NEW JERSEY PAGE 20 STATEMENT OF HON. JOHN D. HAWKE, JR., UNDER SECRETARY FOR DOMESTIC FINANCE, U.S. DEPARTMENT OF THE TREASURY PAGE 23 STATEMENT OF ROBERT GARDNER, DIRECTOR, OFFICE OF RESOURCE MANAGEMENT AND CHIEF FINANCIAL OFFICER, VETERANS BENEFITS ADMINISTRATION, U.S. DEPARTMENT OF VETERANS AFFAIRS PAGE 30 STATEMENT OF JOHN DYER, ACTING PRINCIPAL DEPUTY COMMISSIONER, SOCIAL SECURITY ADMINISTRATION PAGE 33 STATEMENT OF BRIAN KIBBLE-SMITH, VICE PRESIDENT, CITICORP SERVICES INC. PAGE 66 STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER ON BEHALF OF THE CONSUMER FEDERATION OF AMERICA PAGE 69 STATEMENT OF GENE BARRETT, AARP VOTE REGIONAL COORDINATOR, AMERICAN ASSOCIATION OF RETIRED PERSONS PAGE 72 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING