SPEAKER INDEX    Segment 1 of 2    Next Segment (2)
CONTENTS   INSERTS   
AUSUBEL        323    325  
BOUCHER         17  
CHABOT          78     79     80     81  
CONYERS         86     87     88     89     90     91    251    282    287  
               288    289    290    294    295    297  
COSGROVE       117    174  
CUTLER          53     70     81     82     83     84     85     86  
DELAHUNT         3      4      5      6     69     78     81     82     83  
                84     85     90    102    291    292    293    294    296  
               300    325  
FELDSTEIN      298    300    302  
GEKAS            1      4      5      6     10     17     19     27     41  
                53     58     59     60     61     62     67     68     69  
                71     75     77     78     81     86     87     88     90  
                91     93     95     96     97    117    128    132    140  
               149    158    174    175    176    177    178    183    192  
               238    251    275    276    277    278    279    280    281  
               282    287    291    296    297    302    317    322    342  
GLEASON        128    132    175    176    177  
HAMMONDS       140    176    177    181    182    183  
HEITKAMP        99    102    178    179    180  
JACKSON LEE    69     70     71     73     74     75     76     77     78  
                95     96     97    342  
JONES           28     68     76     77     79     91     93     94  
KOSTURKO       158    174  
KUBICA         150    175  
LAURITANO      318  
MASON          252    275    276    277    278    288    290    297  
MCCOLLUM        11  
MCKINLEY       343  
MORAN           20  
NADLER           6     10     62     63     64     65     66     67     89  
                90     93     94     95    178    179    180    181    182  
               183    282    283    284    285    286    287    293    294  
               325  
NEWSOME         41     58     59     60     61     62     63     64     65  
                66     67     74     75     76     80     82     89     96  
                97  
RUSSELL        185    289    290  
SHULMAN        192    280    281    282    283    284    285    286    295  
               296    297  
SOMMER         238    279    280    287    291    292    293    294  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF CHAIRMAN GEKAS
                                                                 PAGE     1

STATEMENT OF HON. BILL McCOLLUM, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF FLORIDA
                                                                 PAGE    11

STATEMENT OF HON. RICK BOUCHER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF VIRGINIA
                                                                 PAGE    17

STATEMENT OF  HON. JAMES P. MORAN, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF VIRGINIA
                                                                 PAGE    20

STATEMENT OF HON. EDITH HOLLAN JONES, JUDGE, UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT 
                                                                 PAGE    28

STATEMENT OF HON. RANDALL J. NEWSOME, U.S. BANKRUPTCY JUDGE, NORTHERN DISTRICT OF CALIFORNIA
                                                                 PAGE    41

STATEMENT OF LLOYD N. CUTLER, ESQ., WILMER, CUTLER AND PICKERING, REPRESENTING THE BANKRUPTCY 
ISSUES COUNCIL
                                                                 PAGE    53

STATEMENT OF HEIDI HEITKAMP, ATTORNEY GENERAL, NORTH DAKOTA, ON BEHALF OF THE NATIONAL ASSOCIATION 
OF ATTORNEYS GENERAL
                                                                 PAGE    99

STATEMENT OF KAREN COSGROVE, VICE PRESIDENT, KEMP MANAGEMENT, AUSTIN, TX, ON BEHALF OF THE 
NATIONAL MULTI HOUSING COUNCIL AND THE NATIONAL APARTMENT ASSOCIATION
                                                                 PAGE   117

STATEMENT OF  JOHN J. GLEASON, VICE PRESIDENT OF CREDIT, BON–TON DEPARTMENT STORES, ON BEHALF 
OF THE NATIONAL RETAIL FEDERATION 
                                                                 PAGE   128

STATEMENT OF BRUCE L. HAMMONDS, SENIOR VICE CHAIRMAN AND CHIEF OPERATING OFFICER, MBNA CORPORATION
                                                                 PAGE   140

STATEMENT OF JANET KUBICA, CHIEF EXECUTIVE OFFICER, POSTMARK CREDIT UNION, HARRISBURG, PA
                                                                 PAGE   149

STATEMENT OF WILLIAM T. KOSTURKO, EXECUTIVE VICE PRESIDENT AND GENERAL COUNSEL, PEOPLE'S BANK, 
BRIDGEPORT, CT, ON BEHALF OF AMERICA'S COMMUNITY BANKERS
                                                                 PAGE   158

STATEMENT OF NICHOLL J. RUSSELL, SIOUX FALLS, SD
                                                                 PAGE   185

STATEMENT OF JAMES IKE SHULMAN, ESQ., NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS
                                                                 PAGE   192

STATEMENT OF  HENRY J. SOMMER, ESQ., MILLER, FRANK & MILLER, PHILADELPHIA, PA, ON BEHALF OF THE 
CONSUMER BANKRUPTCY ASSISTANCE PROJECT
                                                                 PAGE   238

STATEMENT OF MATTHEW J. MASON, ESQ., ON BEHALF OF THE UNITED AUTO WORKERS–GENERAL MOTORS 
LEGAL SERVICES PLAN AND THE INTERNATIONAL UNION,  UNITED AUTOMOBILE, AEROSPACE, AND AGRICULTURAL 
IMPLEMENT WORKERS OF AMERICA (UAW)
                                                                 PAGE   252

STATEMENT OF STUART A. FELDSTEIN, PRESIDENT, SMR RESEARCH CORPORATION
                                                                 PAGE   298

STATEMENT OF MARK LAURITANO, SENIOR VICE PRESIDENT, WEFA, INC
                                                                 PAGE   318

STATEMENT OF  LAWRENCE M. AUSUBEL, PROFESSOR OF ECONOMICS, UNIVERSITY OF MARYLAND
                                                                 PAGE   322

STATEMENT OF VERN MCKINLEY, ESQ., REGULAR POLICY CONTRIBUTOR TO THE CATO INSTITUTE
                                                                 PAGE   342


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NO INSERTS IN THIS HEARING