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