SPEAKER INDEX CONTENTS INSERTS BENTSEN 33 34 35 36 51 52 53 CASTLE 1 4 5 6 7 11 13 21 22 23 25 26 29 30 33 36 40 45 48 49 50 51 53 58 65 66 70 71 72 73 74 76 77 79 80 81 83 84 87 88 89 90 91 92 93 96 99 100 101 108 109 110 COOK 45 46 47 48 FAZIO 85 97 99 103 108 FLAKE 5 6 HUNT 83 88 89 93 94 95 98 101 103 104 105 106 110 JACKSON 13 40 41 MALONEY 7 26 28 29 41 44 45 50 77 78 79 92 93 94 95 96 101 102 103 104 105 106 107 108 110 MCENTEE 66 73 74 75 76 MCFARLAND 81 87 88 89 90 91 92 95 96 97 98 99 100 102 103 104 106 107 109 110 METCALF 11 29 30 31 32 79 80 96 97 98 99 109 MILANO 54 NEY 37 38 39 RIVLIN 14 22 23 24 25 26 27 28 30 31 32 33 34 35 36 37 38 39 40 41 43 44 45 46 47 49 50 51 52 53 ROY 59 71 72 73 78 79 80 81 WELDON 13 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. ALICE M. RIVLIN, VICE CHAIR, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PAGE 14 STATEMENT OF GERARD F. MILANO, EXECUTIVE DIRECTOR, BANKERS CLEARING HOUSE PAGE 54 STATEMENT OF ERIC P. ROY, CHAIRMAN, ASSOCIATION OF BANK COURIERS PAGE 59 STATEMENT OF ELLIOTT C. McENTEE, PRESIDENT AND CEO, NATIONAL AUTOMATED CLEARING HOUSE ASSOCIATION PAGE 66 STATEMENT OF THOMAS W. McFARLAND, MANAGER, TRANSPORTATION OPERATIONS, INTERDISTRICT TRANSPORTATION SYSTEM, FEDERAL RESERVE OF BOSTON PAGE 81 STATEMENT OF THOMAS HUNT, SENIOR SYSTEMS ANALYST, INTERDISTRICT TRANSPORTATION SYSTEMS, FEDERAL RESERVE OF BOSTON PAGE 83 STATEMENT OF CHARLES FAZIO, TRANSPORTATION ANALYST, INTERDISTRICT TRANSPORTATION SYSTEM, FEDERAL RESERVE OF BOSTON PAGE 84 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING