SPEAKER INDEX    Segment 3 of 4   Previous Segment (2)    Next Segment (4)
CONTENTS   INSERTS   
CLAY           142    143    144    145    146  
CROWLEY        156    165    166  
DAVIS          146    147    148    149    150  
EGAN           113    130    141    143  
HUSOCK         115    130    132    133    134    135    136    137    138  
               139    140    144    148    151    154  
KATZ           119    130    140    144    154  
KHADDURI       121    130    145    146  
MARRAFFA       159  
NEY            109    112    115    118    121    124    127    129    131  
               135    138    141    146    149    150    153    154    155  
               156    159    161    164    165    166    167  
O'HARA         161    164    165  
OLSEN          124    131    142    152    153  
SCOTT          112    135    136    137    149    150  
SIDOR          164    167  
TURNER         127    131    142    143    147  
VELAZQUEZ      110    150    152    153  
WATERS         131    132    133    134    135    153    154    166  
WATT           138    139    140    141  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF MR. CONRAD EGAN, PRESIDENT AND CEO, NATIONAL HOUSING CONFERENCE, WASHINGTON, DC
                                                                 PAGE   113

STATEMENT OF MR. HOWARD HUSOCK, ALFRED TAUBMAN CENTER FOR STATE AND LOCAL GOVERNMENT, JOHN F. 
KENNEDY SCHOOL OF GOVERNMENT, HARVARD UNIVERSITY, CAMBRIDGE, MA
                                                                 PAGE   115

STATEMENT OF MR. BRUCE J. KATZ, DIRECTOR, CENTER ON URBAN AND METROPOLITAN POLICY, THE BROOKINGS 
INSTITUTE, WASHINGTON, DC
                                                                 PAGE   119

STATEMENT OF MS JILL KHADDURI, PRINCIPAL ASSOCIATE, ABT ASSOCIATES INC., BETHESDA, MD
                                                                 PAGE   121

STATEMENT OF MR. ED OLSEN, PROFESSOR OF ECONOMICS, UNIVERSITY OF VIRGINIA, CHARLOTTESVILLE, VA
                                                                 PAGE   124

STATEMENT OF MS. MARGERY AUSTIN TURNER, DIRECTOR, METROPOLITAN HOUSING AND COMMUNITIES CENTER, THE 
URBAN INSTITUTE, WASHINGTON, DC
                                                                 PAGE   127

STATEMENT OF MS. SHEILA CROWLEY, PRESIDENT, NATIONAL LOW INCOME HOUSING COALITION, WASHINGTON, DC
                                                                 PAGE   156

STATEMENT OF MR. HENRY MARRAFFA, JR., COUNCILMEMBER, GAITHERSBURG, MD, ON BEHALF OF THE NATIONAL 
LEAGUE OF CITIES
                                                                 PAGE   159

STATEMENT OF MS. ANN O'HARA, ASSOCIATE DIRECTOR, TECHNICAL ASSISTANCE COLLABORATIVE, BOSTON, MA, 
ON BEHALF OF THE CONSORTIUM FOR CITIZENS WITH DISABILITIES HOUSING TASK FORCE
                                                                 PAGE   161

STATEMENT OF MR. JOHN SIDOR, PRINCIPAL, THE HELIX GROUP, HARPERS FERRY, WV
                                                                 PAGE   164


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