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