SPEAKER INDEX    CONTENTS   INSERTS   
ALLEN          114    115    116  
APGAR           50     53     54     55     56     58     59     60     61  
                62     63     64     65     66     67     68     69     70  
                71     72     73     74     75     76     77     78     79  
                80     81     82     83     84     99    116    117    118  
               119    120  
BIGGERT         16     40     41     42     43  
BURTON           6      7     11     14     16     17     20     21     22  
                26     28     30     33     36     40     43     46     47  
                48     50     53     54     55     56     60     62     63  
                66     68     69     70     71     96     98     99    101  
               102    103    104    105    106    107    108    111    114  
               116    117    118    119    120  
CARLA J. MARTIN     4  
CINCOTTA        87     88    107    111    112    113  
COOPER          17     20     21     22     23     24     25     26     27  
                28     29     30     31     33     34     35     36     37  
                38     39     40     41     42     43     44     45     46  
                47     48     49  
CZERWINSKI      99    113    115    116  
DANIEL R. MOLL     4  
DAVID A. KASS     4  
DAVIS           96    113  
EDWARDS         90    101    102    103    104    105    118  
GILMAN          14     26     27     28     29     30  
JACKSON         93    105    106    107    111    112  
KANJORSKI       60     61     62     63  
KEVIN BINGER     4  
KUCINICH        36     57     71     81     88    108    111    112  
LATOURETTE       2  
MCHUGH           2  
MCINTOSH         2  
MICA            77     78     79     80     82     83     84     85     86  
                87     88     90     93  
MINK            15     30     31     32     33  
MORELLA         34     35     36  
NORTON          63  
OSE             46     47     48     49     50     66     67     68     74  
                76     77     81    112    113  
PHIL SCHILIRO     4  
SCHAKOWSKY      74     76     81  
TIERNEY         43  
WAXMAN          11     15     17     22     23     24     25     26     33  
                36     37     38     39     40     44     45     46     49  
                50     57     58     59     60     63     64     65     66  
                71     72     73     74  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF NANCY H. COOPER, DISTRICT INSPECTOR GENERAL, SOUTHEAST/CARIBBEAN DISTRICT, U.S. 
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
                                                                 PAGE    17

STATEMENT OF WILLIAM APGAR, ASSISTANT SECRETARY FOR HOUSING, FEDERAL HOUSING COMMISSIONER, U.S. 
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
                                                                 PAGE    50

STATEMENTS OF GALE CINCOTTA, EXECUTIVE DIRECTOR, NATIONAL TRAINING AND INFORMATION CENTER, 
CHICAGO; GRACE JACKSON, VOLUNTEER, ROSELAND NEIGHBORHOOD HOUSING SERVICES, CHICAGO; CARL EDWARDS, 
PRESIDENT, ORGANIZATION FOR A NEW EASTSIDE, INDIANAPOLIS; BRIAN DAVIS, DIRECTOR, NORTHEAST OHIO 
COALITION FOR THE HOMELESS; AND STANLEY CZERWINSKI, ASSOCIATE DIRECTOR, RESOURCES, COMMUNITY, AND 
ECONOMIC DEVELOPMENT DIVISION, U.S. GENERAL ACCOUNTING OFFICE
                                                                 PAGE    87


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING