SPEAKER INDEX CONTENTS INSERTS BERKLEY 11 17 21 BEVERLY HALLOCK 5 CHANDLER 22 ENGEL 23 24 GALLEGLY 7 8 11 12 14 17 18 19 21 22 23 24 JONATHAN KATZ 5 MCCOTTER 21 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