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