SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      4      8     16     20     22     27     30     36  
                37     39     40  
BRIGGS          16     19     21     23     25     26     27     30     34  
                36  
CAPUANO         30     32     33     34     36     37  
HOOLEY          22     25     27  
JONES           27     28     29     30  
KANJORSKI        2     20     21     36     37     39     40  
LAFALCE          4  
LUCAS            4  
RAMIREZ          9     25     26     27     28     29     31     33     34  
WATERS          40  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. SAUL N. RAMIREZ, JR., DEPUTY SECRETARY, DEPARTMENT OF HOUSING AND URBAN 
DEVELOPMENT; ACCOMPANIED XAVIER DE SOUZA BRIGGS, DEPUTY ASSISTANT SECRETARY, OFFICE OF POLICY 
DEVELOPMENT AND RESEARCH 
                                                                 PAGE     9


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING