SPEAKER INDEX CONTENTS INSERTS BRENDA HANKINS 4 CANNON 7 13 14 17 21 34 39 44 49 54 56 57 61 66 67 70 73 74 75 76 77 78 79 80 DELAHUNT 49 50 51 52 53 54 55 56 57 FRANKS 57 58 59 60 61 GOHMERT 44 45 46 47 48 49 JAMES DALEY 4 NADLER 61 62 63 64 65 66 PERRY H. APELBAUM 3 PHILIP G. KIKO 3 PLUNKETT 34 44 45 46 52 56 59 60 61 70 71 72 73 76 77 80 RAYMOND V. SMIETANKA 4 SMALL 22 51 55 66 69 75 76 STEPHANIE MOORE 4 SUSAN A. JENSEN 4 WALLACE 39 51 56 57 61 62 63 69 77 79 WATT 67 68 69 70 71 72 73 79 80 WHITE 17 47 48 49 50 51 52 53 54 55 58 59 63 64 65 67 68 69 74 75 79 80 CONTENTS SPEAKERS INSERTS TESTIMONY OF CLIFFORD J. WHITE, III, ACTING DIRECTOR, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, WASHINGTON, D.C. PAGE 17 TESTIMONY OF THE HONORABLE A. THOMAS SMALL, UNITED STATES BANKRUPTCY JUDGE FOR THE EASTERN DISTRICT OF NORTH CAROLINA, ON BEHALF OF THE JUDICIAL CONFERENCE OF THE UNITED STATES, WASHINGTON, D.C. PAGE 21 TESTIMONY OF TRAVIS B. PLUNKETT, LEGISLATIVE DIRECTOR, CONSUMER FEDERATION OF AMERICA PAGE 34 TESTIMONY OF GEORGE WALLACE, ESQ., COALITION FOR THE IMPLEMENTATION OF BANKRUPTCY REFORM, WASHINGTON, D.C. PAGE 39 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING