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