SPEAKER INDEX    CONTENTS   INSERTS   
ASMUS           54     59  
BARR            63  
BARRETO         51     57     58     60     61     62     63     64  
CARUSO          47     50     55     56     57     58     59     60     65  
GAFFNEY          9     27     36     38     39  
GRAY            44     64  
HSIAO           10     16     24     27     29     37     38     41  
JONES           30     31     42  
LAFALCE         19     24  
LAZIO           36     37     38     39     40     41     42     54     56  
                57     58     59     65  
LEACH            1      4      9     10     14     15     16     17     18  
                19     26     30     31     42     43     47     50     51  
                63     64     65  
PARKER          14     15     18     23     28     33     34     40  
RAMIREZ          4     14     15     19     22     26     28     29     32  
                34     35     38     39     40     41  
ROUKEMA         26     27     28     29     30  
SCHAKOWSKY      60     61     62     63  
VENTO           30     31     32     33     34     35     36  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. SAUL RAMIREZ, DEPUTY SECRETARY, HUD; ACCOMPANIED BY GLORIA PARKER, CHIEF 
INFORMATION OFFICER, HUD
                                                                 PAGE     4

STATEMENT OF HON. SUSAN GAFFNEY, INSPECTOR GENERAL, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
                                                                 PAGE     9

STATEMENT OF BENJAMIN K. HSIAO, DIRECTOR, INFORMATION SYSTEMS AUDIT DIVISION, HUD INSPECTOR 
GENERAL'S OFFICE 
                                                                 PAGE    10

STATEMENT OF KATHY GRAY, VICE PRESIDENT, NORWEST MORTGAGE, INC., DES MOINES, IA
                                                                 PAGE    43

STATEMENT OF GEORGE CARUSO, EXECUTIVE DIRECTOR, NATIONAL AFFORDABLE HOUSING MANAGEMENT 
ASSOCIATION, ALEXANDRIA, VA; ACCOMPANIED BY SAM ASMUS, III, PRESIDENT AND CEO, IPM SOFTWARE, 
DALLAS, TX
                                                                 PAGE    47

STATEMENT OF JULIO BARRETO, JR., DIRECTOR OF LEGISLATION AND PROGRAM DEVELOPMENT, NATIONAL 
ASSOCIATION OF HOUSING AND REDEVELOPMENT OFFICIALS, WASHINGTON, DC. 
                                                                 PAGE    51


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