SPEAKER INDEX CONTENTS INSERTS FRANZEL 27 32 GIANNI 24 30 31 32 33 GUTIERREZ 3 11 12 13 14 INSLEE 19 20 21 KELLY 1 5 6 9 10 11 14 16 17 18 19 21 24 27 30 31 32 33 MALONEY 5 17 18 19 OXLEY 21 23 PAUL 14 16 POWELL 6 9 10 11 12 13 14 15 17 18 19 20 21 22 23 24 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. DONALD E. POWELL, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 6 STATEMENT OF HON. GASTON L. GIANNI, JR., INSPECTOR GENERAL, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 24 STATEMENT OF JEANETTE M. FRANZEL, DIRECTOR, FINANCIAL MANAGEMENT AND ASSURANCE, UNITED STATES GENERAL ACCOUNTING OFFICE PAGE 27 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING