SPEAKER INDEX CONTENTS INSERTS BREWER 122 170 171 173 178 185 186 187 BRYANT 86 87 181 182 184 191 193 194 DELAHUNT 11 173 174 184 185 186 187 188 189 200 201 245 246 247 250 GEKAS 1 6 7 11 12 27 41 71 74 75 76 77 78 79 80 81 84 85 87 88 91 92 113 121 138 155 169 170 171 172 173 174 175 180 184 190 191 192 194 197 198 200 202 203 227 234 241 242 243 244 245 249 250 251 GROSS 205 242 243 246 247 250 HAMMES 156 169 172 180 182 191 JAMES W. HARPER 279 LEE 87 88 90 91 175 177 179 180 190 191 198 199 200 202 203 MANDELL 227 243 244 250 MEEHAN 12 192 194 195 196 197 MITSCH 113 173 181 NADLER 4 6 78 79 81 82 83 84 85 88 NEUBIG 42 76 83 85 86 90 91 OLSON 234 244 250 RAYMOND V. SMIETANKA 279 SCHEUREN 71 77 78 85 87 91 STANA 27 75 81 82 86 89 90 STATEN 12 74 75 83 84 89 SUSAN JENSEN-CONKLIN 279 WALDSCHMIDT 139 170 173 183 185 195 WALLACE 95 171 174 185 187 188 189 193 194 195 196 197 198 199 200 202 CONTENTS SPEAKERS INSERTS OPENING STATEMENT OF CHAIRMAN GEKAS PAGE 1 STATEMENT OF MICHAEL E. STATEN, CREDIT RESEARCH CENTER, GEORGETOWN SCHOOL OF BUSINESS, GEORGETOWN UNIVERSITY PAGE 12 STATEMENT OF RICHARD M. STANA, ASSOCIATE DIRECTOR, ADMINISTRATION OF JUSTICE ISSUES, U.S. GENERAL ACCOUNTING OFFICE PAGE 27 STATEMENT OF THOMAS S. NEUBIG, PARTNER AND NATIONAL DIRECTOR, POLICY ECONOMICS AND QUANTITATIVE ANALYSIS, ERNST & YOUNG, LLP, WASHINGTON, DC PAGE 42 STATEMENT OF FRITZ J. SCHEUREN, ASSOCIATE NATIONAL TECHNICAL DIRECTOR, STATISTICAL SAMPLING, ERNST & YOUNG, LLP, WASHINGTON, DC PAGE 71 STATEMENT OF GEORGE J. WALLACE, ESQ., ECKERT SEAMONS CHERIN & MELLOTT, LLC, WASHINGTON, DC, REPRESENTING AMERICAN FINANCIAL SERVICES ASSOCIATION PAGE 95 STATEMENT OF ROBERT F. MITSCH, ESQ., MITSCH & CRUTCHFIELD, ST. PAUL, MN, REPRESENTING NATIONAL RETAIL ASSOCIATION PAGE 113 STATEMENT OF WILLIAM E. BREWER, JR., ESQ., NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS, RALEIGH, NC PAGE 121 STATEMENT OF ROBERT H. WALDSCHMIDT, ESQ., HOWELL & FISHER, NASHVILLE, TN, REPRESENTING NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES PAGE 138 STATEMENT OF NORMA L. HAMMES, ESQ., GOLD AND HAMMES, SAN JOSE, CA, REPRESENTING NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS PAGE 156 STATEMENT OF KAREN GROSS, PROFESSOR, NEW YORK LAW SCHOOL, NEW YORK, NY PAGE 205 STATEMENT OF LEWIS MANDELL, DEAN AND PROFESSOR OF FINANCE, COLLEGE OF BUSINESS ADMINISTRATION, MARQUETTE UNIVERSITY, MILWAUKEE, WI PAGE 227 STATEMENT OF MARION A. OLSON, JR., STANDING CHAPTER 13 TRUSTEE FOR THE UNITED STATES BANKRUPTCY COURT, WESTERN DISTRICT OF TEXAS, SAN ANTONIO DIVISION PAGE 234 INSERTS SPEAKERS CONTENTS