SPEAKER INDEX Segment 1 of 4 Next Segment (2) CONTENTS INSERTS CAPUANO 67 69 72 74 108 109 110 111 113 CARSON 10 106 COURSON 85 110 112 CROWLEY 22 23 24 25 34 40 41 61 62 65 72 FRANK 3 14 26 28 35 36 37 38 39 40 41 42 66 74 75 97 GREEN 1 7 10 11 12 13 17 18 20 21 22 23 24 25 26 27 31 33 34 35 40 41 45 49 53 54 57 61 62 63 67 72 74 GRUCCI 58 60 62 63 JONES 11 46 47 49 KELLY 74 75 79 80 84 85 88 92 94 95 97 101 105 106 108 109 113 114 116 LEE 63 65 66 67 MENINO 76 79 95 106 112 MILLER 7 49 50 53 54 NELSON 14 17 36 37 38 39 45 46 47 55 56 64 65 66 73 NIELSEN 80 84 88 94 95 110 REID 18 21 43 44 59 67 ROUKEMA 42 43 44 45 RUBINGER 27 28 32 33 34 48 50 56 57 66 SANDERS 115 THOMPSON 89 96 103 104 105 VOICE 110 WATERS 113 WATT 54 56 101 103 104 105 106 CONTENTS SPEAKERS INSERTS STATEMENT OF KATHRYN P. NELSON, ECONOMIST, OFFICE OF POLICY DEVELOPMENT AND RESEARCH, U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 13 STATEMENT OF ROBERT J. REID, EXECUTIVE DIRECTOR, NATIONAL HOUSING CONFERENCE AND THE CENTER FOR HOUSING POLICY PAGE 18 STATEMENT OF SHEILA CROWLEY, PRESIDENT, NATIONAL LOW INCOME HOUSING COALITION PAGE 22 STATEMENT OF MICHAEL RUBINGER, PRESIDENT AND CHIEF EXECUTIVE OFFICER, THE LOCAL INITIATIVES SUPPORT CORPORATION PAGE 27 STATEMENT OF HON. THOMAS M. MENINO, MAYOR, BOSTON, MA; CHAIRMAN, U.S. CONFERENCE OF MAYORS ADVISORY BOARD PAGE 76 STATEMENT OF ROBERT NIELSEN, PRESIDENT, SHELTER PROPERTIES, INC., ON BEHALF OF THE NATIONAL ASSOCIATION OF HOME BUILDERS PAGE 80 STATEMENT OF JOHN A. COURSON, VICE PRESIDENT, MORTGAGE BANKERS ASSOCIATION OF AMERICA, ON BEHALF OF THE MORTGAGE BANKERS ASSOCIATION OF AMERICA PAGE 85 STATEMENT OF BARBARA J. THOMPSON, DIRECTOR OF POLICY AND GOVERNMENT AFFAIRS, NATIONAL COUNCIL OF STATE HOUSING AGENCIES PAGE 88 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING