SPEAKER INDEX CONTENTS INSERTS BERKLEY 12 BEVERLY HALLOCK 5 CHANDLER 9 GALLEGLY 6 7 9 10 12 13 JONATHAN KATZ 5 PATRICK PRISCO 5 RICHARD MEREU 5 ROBERT R. KING 4 THOMAS E. MOONEY, SR 4 CONTENTS SPEAKERS INSERTS NO STATEMENTS DEFINED IN THIS HEARING INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING