SPEAKER INDEX CONTENTS INSERTS BAKER 1 4 8 16 20 22 27 30 36 37 39 40 BRIGGS 16 19 21 23 25 26 27 30 34 36 CAPUANO 30 32 33 34 36 37 HOOLEY 22 25 27 JONES 27 28 29 30 KANJORSKI 2 20 21 36 37 39 40 LAFALCE 4 LUCAS 4 RAMIREZ 9 25 26 27 28 29 31 33 34 WATERS 40 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. SAUL N. RAMIREZ, JR., DEPUTY SECRETARY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; ACCOMPANIED XAVIER DE SOUZA BRIGGS, DEPUTY ASSISTANT SECRETARY, OFFICE OF POLICY DEVELOPMENT AND RESEARCH PAGE 9 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING