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