SPEAKER INDEX CONTENTS INSERTS BEREUTER 10 39 40 41 42 BLACKER 25 42 46 47 55 56 BOSTON 22 33 45 48 49 50 53 54 58 CAMPBELL 12 13 37 38 47 48 49 50 52 67 68 69 EMERICK 77 78 FOX 53 54 55 56 FRANK 75 77 HUSSEY 71 88 89 90 91 92 JONES 82 87 88 KELLY 11 44 45 46 47 KENNEDY 8 KNIGHT 19 30 31 32 41 59 LAZIO 1 10 11 12 13 14 18 21 24 27 29 31 32 33 34 39 42 44 47 52 53 56 60 61 67 69 70 71 75 77 78 82 86 88 89 90 91 92 93 LEAR 90 91 MARTIN 15 28 29 39 40 41 43 44 45 51 58 60 MCMILLAN 64 67 68 69 70 71 METCALF 56 58 59 NEY 59 60 61 VENTO 35 37 38 52 53 WEYGAND 43 44 CONTENTS SPEAKERS INSERTS STATEMENT OF DONALD MARTIN, PRESIDENT, NATIONAL ASSOCIATION OF HOME BUILDERS PAGE 15 STATEMENT OF GEORGE KNIGHT, EXECUTIVE DIRECTOR, NEIGHBORHOOD REINVESTMENT CORPORATION PAGE 18 STATEMENT OF NORRIS BOSTON, CHAIRPERSON, RIPPED OFF HOME OWNERS PAGE 22 STATEMENT OF RUTH A. BLACKER, MEMBER, NATIONAL LEGISLATIVE COUNCIL, AMERICAN ASSOCIATION OF RETIRED PERSONS PAGE 25 STATEMENT OF ROBERT R. McMILLAN, CHAIRMAN, THE LONG ISLAND HOUSING PARTNERSHIP PAGE 64 STATEMENT OF EDWARD HUSSEY, CHAIRMAN, GOVERNMENT AFFAIRS COMMITTEE, MANUFACTURED HOUSING ASSOCIATION FOR REGULATORY REFORM PAGE 71 STATEMENT OF HUBERT H. EMERICK, LEGISLATIVE DIRECTOR, RIO GRANDE VALLEY RV/MANUFACTURED HOUSING OWNERS ASSOCIATION PAGE 78 STATEMENT OF THOMAS L. JONES, MANAGING DIRECTOR, HABITAT FOR HUMANITY INTERNATIONAL PAGE 82 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING