SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      4      5      9     12     15     17     19     20  
                25     27     28     30     33  
BIGGERT         28     29     30  
BROWN-WAITE    25  
EGAN            15     19     20     21     22     24     26     29     30  
                33  
KAITZ            5     20     23     24     25     32  
KANJORSKI        3     20     21     22     23     24     25  
MCCARTHY         5     27     28     33  
POLLOCK         12     20     23     27  
PUTNAM           9     20     21     28     32     33  
SCOTT            4  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF JAMES A. KAITZ, PRESIDENT AND CEO, ASSOCIATION FOR FINANCIAL PROFESSIONALS
                                                                 PAGE     5

STATEMENT OF BARRON H. PUTNAM, PRESIDENT AND CHIEF ECONOMIST, LACE FINANCIAL CORPORATION
                                                                 PAGE     9

STATEMENT OF ALEX J. POLLOCK, RESIDENT FELLOW, AMERICAN ENTERPRISE INSTITUTE
                                                                 PAGE    12

STATEMENT OF SEAN EGAN, MANAGING DIRECTOR, EGAN-JONES RATINGS CO.
                                                                 PAGE    15


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING