SPEAKER INDEX    CONTENTS   INSERTS   
BECKWITH        72    101    102    104    108    115    116    136    137  
               138    139    142  
CANNON           9     13     15     16     19     22     23     24     25  
                26     58     63     72     75     78     84     88     96  
                99    103    106    107    110    113    114    117    118  
               119    120    124    128    131    132    135    136    139  
               140    141    142    143  
CHABOT         103    105    106    125    126    127  
COBLE           22     96     97     98     99  
CONYERS        114    115    116    117    132    133    136    137    138  
               139    143  
DELAHUNT        23    111    112    113    114    132    133    134    135  
DIANE K. TAYLOR     4  
FRIEDMAN        60     97     99    100    101    111    117    122    123  
               124    135  
JAMES DALEY     4  
MILLER          75     98    106    112    113    114    115    117    118  
               119    120    126    131    140    141    142  
NADLER          16     17     24     25    107    108    109    110    128  
               129    130    131  
PERRY H. APELBAUM     3  
PHILIP G. KIKO     3  
RAYMOND V. SMIETANKA     4  
STEPHANIE MOORE     4  
SUSAN A. JENSEN     4  
THE WASHINGTON POST   159  
WALLACE         85     88     99    105    109    110    111    118    120  
               121    125    126    127    128    130    131    132    133  
               134  
WATT            13     16     25     99    100    101    102    103    120  
               121    122    123    124  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF LAWRENCE A. FRIEDMAN, DIRECTOR, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, UNITED 
STATES DEPARTMENT OF JUSTICE
                                                                 PAGE    60

STATEMENT OF LUCILE P. BECKWITH, PRESIDENT AND CHIEF EXECUTIVE OFFICER, PALMETTO TRUST FEDERAL 
CREDIT UNION, COLUMBIA, SOUTH CAROLINA, ON BEHALF OF CREDIT UNION NATIONAL ASSOCIATION, INC.
                                                                 PAGE    72

STATEMENT OF JUDITH GREENSTONE MILLER, ESQUIRE, RAYMOND & PROKOP, P.C., SOUTHFIELD MICHIGAN, ON 
BEHALF OF THE COMMERCIAL LAW LEAGUE OF AMERICA
                                                                 PAGE    75

STATEMENT OF GEORGE WALLACE, ESQUIRE, OF COUNSEL, ECKERT SEAMANS CHERIN & MELLOT, LLC, WASHINGTON, 
DC, ON BEHALF OF THE COALITION FOR RESPONSIBLE BANKRUPTCY LAWS
                                                                 PAGE    85


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING