SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      7      9     11     13     14     16     18     25  
                26     31     32     33     34     36     37     42     47  
                50     53     60     65     66     67     68     69     78  
                83     85     88     94     95    101    102    103    104  
               105    106    107    108    120    121    122    130    134  
               137    138    140    142    148    150    152    154    155  
               156    158    163    164    165    166    167    168    169  
               170    171  
BARR            50     51     52     53  
BENTSEN          9     47     49     50     96    130    132    134    135  
               136    137    138    140    141  
CARNELL         70    104    105    115    117    118    119    132    135  
               136    137    152    154  
CASTLE          42     43     44     45     46     47  
COX            122    123    124    125    126    128    129  
DELK            25     26     31     32     33     39     40     43     48  
                49     52     53     57     59     60     62     63     66  
EDWARDS         78    109    123    137    155  
FORD            65     67     68    148    149    150    152    154    156  
               157    158    165    166    167  
HINOJOSA        11     13     56     57     58     59     60  
HOOLEY           9  
HOWARD          19     32     33     35     36     37     38     39     41  
                43     44     45     46     51     52     56     61     62  
                63     65     69  
ISRAEL          16  
JONES           14     16  
KANJORSKI        2     37     38     39     40     41     42    108    111  
               112    113    117    118    119    120    121    122  
LUCAS           11  
MEEKS          142    143    145    146    163    164    171  
MILLER          83     85    102    103    106    111    112    125    126  
               127    128    142    156    157    168    169    170  
MOORE           18  
PAIGE           89    107    111    129    146    147  
ROTHSCHILD      95     96    112    113    138    140    141    143    144  
               145    152    156  
SHOWS           18  
TORNQUIST      153  
VELAZQUEZ        7  
WELDON          61     62     63     65  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF TIMOTHY HOWARD, EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER, FANNIE MAE
                                                                 PAGE    19

STATEMENT OF MITCHELL DELK, SENIOR VICE PRESIDENT, GOVERNMENT RELATIONS, FREDDIE MAC
                                                                 PAGE    25

STATEMENT OF RICHARD S. CARNELL, ASSOCIATE PROFESSOR OF LAW, FORDHAM UNIVERSITY SCHOOL OF LAW
                                                                 PAGE    70

STATEMENT OF MARTIN EDWARDS, JR., PARTNER, WILKINSON & SNOWDEN, INC., ON BEHALF OF THE NATIONAL 
ASSOCIATION OF REALTORS
                                                                 PAGE    78

STATEMENT OF JAMES C. MILLER III, DIRECTOR, LECG ECONOMICS-FINANCE
                                                                 PAGE    83

STATEMENT OF LESLIE K. PAIGE, VICE PRESIDENT, CITIZENS AGAINST GOVERNMENT WASTE, ON BEHALF OF THE 
HOMEOWNERS EDUCATION COALITION
                                                                 PAGE    89

STATEMENT OF EDWIN ROTHSCHILD, PRINCIPAL, PODESTA MATTOON, ON BEHALF OF FM WATCH
                                                                 PAGE    94


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