SPEAKER INDEX    CONTENTS   INSERTS   
BERNARDI        31     38     39  
CAPUANO         43     44  
CARSON          15     16     42     43  
COUCH           46     61  
DAVIS           13     34     35     36     37     38  
FRANK            3  
GAY             48     63     64     65  
GRIFFIN         51     53     65  
HARRIS           5     23     24     25     27     29     31     32     34  
                37     38     39     42     43     44     45     67  
HILGERS         54     56     66  
LEE             29     30     31     41     42  
MARTINEZ         3      5      8      9     10     16     19     20     21  
                23     24     25     26     27     28     29     30     31  
                32     33     34     35     36     37     38     39     40  
                41     42     43     44     45  
MILLER          10     12     32     33     34  
NEY              1      5      6      8      9     10     12     13     14  
                15     16     19     20     21     45     48     50     53  
                56     58     61     62     63     64     67     68  
NICKERSON       56     66  
RENZI            8      9     27     28     29  
SCOTT           10     26     27  
THOMPSON        59     62     64     66  
VELAZQUEZ       14     38     39  
WATERS           7      8      9     21     23     24     44     65     66  
                67     68  
WATT            40     41  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. MEL MARTINEZ, SECRETARY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
                                                                 PAGE    16

STATEMENT OF ROBERT M. COUCH, PRESIDENT AND CEO, NEW SOUTH FEDERAL SAVINGS BANK
                                                                 PAGE    46

STATEMENT OF LORI R. GAY, EXECUTIVE DIRECTOR, LOS ANGELES NEIGHBORHOOD HOUSING SERVICES, LOS 
ANGELES, CALIFORNIA
                                                                 PAGE    48

STATEMENT OF DARRELL V. GRIFFIN, SR., DIVISION CHIEF, HOUSING SERVICES DIVISION, CITY OF 
JACKSONVILLE, FLORIDA
                                                                 PAGE    51

STATEMENT OF PAUL HILGERS, DIRECTOR, NEIGHBORHOOD HOUSING AND COMMUNITY DEVELOPMENT DEPARTMENT, 
CITY OF AUSTIN, TEXAS
                                                                 PAGE    53

STATEMENT OF CRAIG S. NICKERSON, VICE PRESIDENT, COMMUNITY DEVELOPMENT AND LENDING, FREDDIE MAC, 
WASHINGTON, DC
                                                                 PAGE    56

STATEMENT OF BARBARA THOMPSON, EXECUTIVE DIRECTOR, NATIONAL COUNCIL OF STATE HOUSING AGENCIES
                                                                 PAGE    58


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING