SPEAKER INDEX    CONTENTS   INSERTS   
BARR            24     25     26     27     28  
CAPUANO         46     48  
CARSON          31     32     81     82  
ENGLAND-JOSEPH    61     65     66     68     69     70     71     72  
                73     74     75     76     77     78     79     80     81  
                82     83     85  
FRANK            2      6      9     18     21     22     23     45     69  
                70     71     72     73     74     75     76     77     78  
                79     80     81  
HOOLEY          53     54     55     56     57     58  
JONES            2     41     42     43     44  
KEEVEY          21     22     39     45     49     50     51     52  
LAZIO            1      2      9     10     14     15     16     17     18  
                23     28     31     32     33     36     39     41     44  
                46     48     53     58     59     60     61     65     66  
                68     69     81     82     83     84     85  
LEE             32     33     34     35     36     58     59  
METCALF         39     40     41  
RAMIREZ          9     10     15     16     17     18     21     22     23  
                24     25     26     27     28     29     30     31     32  
                33     34     35     36     37     38     39     40     41  
                42     43     44     45     48     49     50     51     52  
                53     54     55     56     57     58     59     60     61  
SCHAKOWSKY      36     37     38  
VELAZQUEZ       28     29     30     31     44  
VENTO           49     50     51     52     53  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. SAUL N. RAMIREZ, JR., DEPUTY SECRETARY, U.S. DEPARTMENT OF HOUSING AND URBAN 
DEVELOPMENT; ACCOMPANIED BY RICHARD F. KEEVEY, CHIEF FINANCIAL OFFICER
                                                                 PAGE     9

STATEMENT OF JUDY ENGLAND-JOSEPH, DIRECTOR, HOUSING AND COMMUNITY DEVELOPMENT DIVISION, UNITED 
STATES GENERAL ACCOUNTING OFFICE
                                                                 PAGE    61


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING