SPEAKER INDEX    CONTENTS   INSERTS   
ADERHOLT         2  
APGAR           26     55     56     57     66     68     69     71     72  
                73     74     75     76     77     78     79     84     85  
                86     87     90     91  
BARR            82  
BRICE           34     35     63     65     66     79     81     82  
CAMPBELL        15  
CAPUANO         88     91     92  
DODDS           46     51     68  
ETHERIDGE        5      8  
FRANK            7     16     17     57     60     61     62     63  
GIORDANO        30     53     54     91     92  
GUTIERREZ       19     21  
HOOLEY          21     78     79     81     82  
HUSSEY          42     60     61     62     63     64     65     80     88  
KELLY           18     71     72     73     74     75     76     77  
KNIGHT          39     52     70  
LAFALCE         11  
LAZIO            1      4      7      8     15     16     18     19     21  
                22     24     25     30     34     39     41     45     51  
                53     54     56     57     66     71     76     78     82  
                85     86     88     92  
LEE             24  
NEY             63     64     65     66  
VELAZQUEZ       66     67     68     69     71  
VENTO           18     83     84     85     86     87     88  
WEYGAND         22  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. ROBERT B. ADERHOLT, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF ALABAMA
                                                                 PAGE     2

STATEMENT OF HON. BOB ETHERIDGE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NORTH CAROLINA
                                                                 PAGE     5

STATEMENT OF HON. WILLIAM APGAR, ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, 
U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), WASHINGTON, DC.
                                                                 PAGE    26

STATEMENT OF ANTONE GIORDANO, NATIONAL ASSOCIATION OF HOME BUILDERS (NAHB), VICE CHAIRMAN, FEDERAL 
GOVERNMENT AFFAIRS COMMITTEE, PROVIDENCE, RI
                                                                 PAGE    30

STATEMENT OF RUTHERFORD ''JACK'' BRICE, MEMBER OF THE BOARD OF DIRECTORS, AMERICAN ASSOCIATION FOR 
RETIRED PERSONS (AARP), DECATUR, GA
                                                                 PAGE    34

STATEMENT OF GEORGE KNIGHT, EXECUTIVE DIRECTOR, NEIGHBORHOOD REINVESTMENT CORPORATION, WASHINGTON, 
DC.
                                                                 PAGE    39

STATEMENT OF EDWARD J. HUSSEY JR., CHAIRMAN, GOVERNMENT AFFAIRS COMMITTEE, MANUFACTURED HOUSING 
ASSOCIATION FOR REGULATORY REFORM, ON BEHALF OF THE COALITION TO IMPROVE THE MANUFACTURED HOUSING 
ACT, WASHINGTON, DC.
                                                                 PAGE    41

STATEMENT OF JOHN DODDS, DIRECTOR, PHILADELPHIA UNEMPLOYMENT PROJECT, PHILADELPHIA, PA 
                                                                 PAGE    45


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING