SPEAKER INDEX    CONTENTS   INSERTS   
BACA             9     46     48     49     55     56     57  
DAVIS           43     44     45     46  
FRANK            5  
GUTIERREZ        3     13     36     37     38     39  
HAAR            14     32     38     42     44     49     50     52     53  
                55     56  
HAMMOND         17     20     33     37     42     47     53  
HANLEY          26     28     33     35  
HENSARLING      40     41     42  
KELLY            1      4      7      9     11     14     17     20     23  
                26     28     31     32     33     34     35     36     39  
                42     43     46     50     52     53     54     57  
KENNEDY         20     32     37     44     45     48     50     51     53  
LACKRITZ        23     32     35     40     48     49     50     54  
NAPOLITANO      11  
PADRON          28     33     34     36     45  
SCOTT            7     50     51     52     53     54  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF ANA MARIA FERNANDEZ HAAR, CHAIR, NEW AMERICA ALLIANCE
                                                                 PAGE    14

STATEMENT OF THERESA HAMMOND, ASSOCIATE PROFESSOR OF ACCOUNTING, BOSTON COLLEGE
                                                                 PAGE    17

STATEMENT OF MICHAEL D. KENNEDY, MANAGER OF DIVERSITY PROGRAM AND FINANCIAL SERVICES SECTOR 
EXECUTIVE, KORN/FERRY INTERNATIONAL
                                                                 PAGE    20

STATEMENT OF MARC LACKRITZ, PRESIDENT, SECURITIES INDUSTRY ASSOCIATION
                                                                 PAGE    23

STATEMENT OF JOANNE HANLEY, PRESIDENT, WOMEN IN HOUSING AND FINANCE, INC.
                                                                 PAGE    26

STATEMENT OF HON. LORENZO PADRON, COMMISSIONER, OFFICE OF BANKS AND REAL ESTATE, STATE OF ILLINOIS
                                                                 PAGE    28


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING