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