SPEAKER INDEX    CONTENTS   INSERTS   
CHEATHAM        38  
CLAY            25     26     27  
COHEN           41  
GREEN           19     20     21     22  
KOLASKI         35     38  
LEE              4  
MILLER OF CALIFORNIA     6     27  
NEY              1      4      6      8      9     10     14     16     17  
                18     19     22     23     24     25     27     31     35  
                38     41     44  
RENZI           24     25  
RUPING          32     35  
SANDERS          4      8      9     10  
SCOTT            3  
WATERS          14     18     19  
WATT            22     24  
WEICHER         11     16     17     18     19     20     21     23     24  
                25     26     27  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JOHN WEICHER, ASSISTANT SECRETARY, HOUSING/FEDERAL HOUSING COMMISSIONER, U.S. 
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
                                                                 PAGE    10

STATEMENT OF GARY H. RUPING, PRESIDENT, RUPING BUILDERS, INC., BILLERICA, MA, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF HOMEBUILDERS
                                                                 PAGE    32

STATEMENT OF CASIMIR KOLASKI, PRESIDENT, KOLASKI HOUSING ADVISORS, INC., PROVIDENCE, RI
                                                                 PAGE    35

STATEMENT OF LINDA D. CHEATHAM, SENIOR VICE PRESIDENT, BERKSHIRE MORTGAGE FINANCE ON BEHALF OF THE 
MORTGAGE BANKERS' ASSOCIATION OF AMERICA, WASHINGTON, DC
                                                                 PAGE    38

STATEMENT OF HOWARD EARL COHEN, PRESIDENT, THE BEACON COMPANIES, LLP, BOSTON, MA
                                                                 PAGE    41


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING