SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1     10     12     15     17     19     21     24     28  
                30     31     32     33     34     35     36     37     38  
                39     40     41     42     43     44     45     46     49  
                52     53     54     55     56     60     62     63     64  
                65  
CARSON          21     22  
FRANK           31  
INSLEE          28     29     30  
JOHNSON         11     12     18     23     24     29     30     31     33  
                34     35     36     37     38     39     40     55     60  
                61     62  
LEE             15     16     22     23     24  
MCDERMOTT       27  
MELITO          12     13     14     19     20     32     34     40     41  
                42     43     44     45     46     47     48     49     50  
                51     52     55     56     57     58     59     63  
MOORE           30  
ROUKEMA         10     12     13     14  
TOOMEY          17     19     20     21     24     25     26     27     28  
WATERS          46     47     48     49     50     51     52     56     57  
                58     59     60     61     62     63     64  
WATT            31  
WESTIN           4     11     14     16     17     18     19     21     22  
                23     25     26     27     28     50     51     52     53  
                54     55     58     59     62     65  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF SUSAN S. WESTIN, ASSOCIATE DIRECTOR, FINANCIAL INSTITUTIONS AND MARKET ISSUES, 
GENERAL GOVERNMENT DIVISION, U.S. GENERAL ACCOUNTING OFFICE; ACCOMPANIED BY HAROLD J. JOHNSON JR., 
ASSOCIATE DIRECTOR OF INTERNATIONAL RELATIONS AND TRADE ISSUES, THOMAS MELITO AND JAMES McDERMOTT
                                                                 PAGE     4


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING