SPEAKER INDEX CONTENTS INSERTS CARL 34 101 GONZALEZ 45 53 54 57 62 64 65 GREEN 66 94 HATATHLIE 70 73 95 102 103 106 KITCHEYEN 14 36 40 43 KONSKI 73 96 97 103 104 107 108 109 LIU 49 52 54 55 57 59 60 61 63 64 MARYBOY 75 98 100 107 MATHESON 11 39 40 41 42 43 62 63 64 65 107 108 109 113 NEY 1 7 11 13 14 17 21 22 24 27 30 31 32 35 39 43 44 49 52 53 54 59 62 65 81 86 89 93 94 100 107 110 113 115 PARKS 77 98 109 PAUL 81 93 94 99 RENZI 8 22 29 30 35 36 37 38 39 59 60 61 65 70 73 75 77 100 101 103 104 105 106 113 SABATINOS 86 106 SHIRLEY 22 32 33 34 36 37 41 42 SMITH 13 24 41 SOSSAMON 89 99 100 104 105 SOSSOMAN 105 TAYLOR 27 29 30 31 33 40 WATERS 4 32 33 34 35 55 56 57 58 59 94 95 96 97 98 99 100 111 WINFIELD 17 21 38 42 YAZZIE 38 39 CONTENTS SPEAKERS INSERTS STATEMENT OF KATHLEEN KITCHEYEN, CHAIRWOMAN, SAN CARLOS APACHE PAGE 13 STATEMENT OF JOHNNY WINFIELD, VICE CHAIRMAN, WHITE MOUNTAIN APACHE TRIBE; ACCOMPANIED BY ANEVA YAZZIE, MANAGEMENT CONSULTANT, WHITE MOUNTAIN APACHE HOUSING AUTHORITY PAGE 17 STATEMENT OF JOE SHIRLEY, JR., PRESIDENT, NAVAJO NATION ACCOMPANIED BY CHESTER CARL, CHIEF EXECUTIVE OFFICER, NAVAJO HOUSING AUTHORITY PAGE 22 STATEMENT OF CHADWICK SMITH, PRINCIPAL CHIEF, CHEROKEE NATION OF OKLAHOMA PAGE 24 STATEMENT OF WAYNE TAYLOR, JR., CHAIRMAN, HOPI TRIBE PAGE 27 STATEMENT OF GILBERT G. GONZALEZ, JR., ACTING UNDERSECRETARY FOR RURAL DEVELOPMENT, U.S. DEPARTMENT OF AGRICULTURE; ACCOMPANIED BY ED BROWNING, STATE DIRECTOR FOR ARIZONA PAGE 45 STATEMENT OF HON. MICHAEL LIU, ASSISTANT SECRETARY FOR PUBLIC AND INDIAN HOUSING, U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 49 STATEMENT OF PATTYE GREEN, SENIOR BUSINESS MANAGER FOR NATIVE AMERICAN HOUSING, FEDERAL NATIONAL MORTGAGE ASSOCIATION PAGE 66 STATEMENT OF FREDDIE HATATHLIE, MORTGAGE CONSULTANT, EMERGING MARKETS, WELLS FARGO MORTGAGE PAGE 70 STATEMENT OF RENEE KONSKI, LOAN OFFICER, AMERICAN FINANCIAL RESOURCES, INC. PAGE 73 STATEMENT OF MARK MARYBOY, COUNCIL DELEGATE, NAVAJO NATION COUNCIL PAGE 75 STATEMENT OF LAWRENCE H. PARKS, SENIOR VICE PRESIDENT, EXTERNAL AND LEGISLATIVE AFFAIRS, FEDERAL HOME LOAN BANK OF SAN FRANCISCO PAGE 77 STATEMENT OF KENT E. PAUL, CHIEF EXECUTIVE OFFICER, AMERIND RISK MANAGEMENT CORPORATION PAGE 81 STATEMENT OF CAPTAIN JUNE SABATINOS, VICE PRESIDENT, AMBULATORY CARE SERVICES, TUBA CITY REGIONAL HEALTH CARE CORPORATION PAGE 86 STATEMENT OF RUSSELL SOSSAMON, CHAIRMAN, NATIONAL AMERICAN INDIAN HOUSING COUNCIL PAGE 89 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING