SPEAKER INDEX    CONTENTS   INSERTS   
ACKERMAN        19  
BACHUS          16  
BAKER            1      5      6      8      9     10     11     12     13  
                14     15     16     18     19     22     24     27     31  
                35     36     37     44     45     47     50     54     55  
                56     58  
COVIELLO        32     37     38     44     45     47     49     56     57  
CROWLEY          7  
EMANUEL         11  
GILLMOR          5  
HEESEN          22     42     43     45     48  
INSLEE          15     16  
ISRAEL          18  
KANJORSKI        3     37     38     39     40     41     42     43     44  
                56     57  
KENNEDY         58  
KERRIGAN        19     46  
MATHESON        18  
MCCARTHY OF NEW YORK    18  
MERTON          27     35     36     38     39     40     41     43     46  
                49     52     53     54     55     56     57  
MOORE            9  
REED            25     37     46  
SCOTT           11  
SHADEGG          8  
SHAYS           15     45     46     47  
SHERMAN         12     13     14     16     50     52     53     54     55  
                56     57     58  
VELAZQUEZ       48     49     50  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF KAREN KERRIGAN, CHAIRMAN, SMALL BUSINESS SURVIVAL COMMITTEE
                                                                 PAGE    19

STATEMENT OF MARK G. HEESEN, PRESIDENT, NATIONAL VENTURE CAPITAL ASSOCIATION
                                                                 PAGE    22

STATEMENT OF REGINALD REED, MANAGER, SOFTWARE DEVELOPMENT, CISCO SYSTEMS
                                                                 PAGE    25

STATEMENT OF ROBERT MERTON, HARVARD BUSINESS SCHOOL
                                                                 PAGE    27

STATEMENT OF ARTHUR COVIELLO, PRESIDENT AND CEO, RSA SECURITY
                                                                 PAGE    31


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING