SPEAKER INDEX CONTENTS INSERTS AMOS HOCHSTEIN 4 BLUNT 23 34 35 CHABOT 9 CLEMENT 9 14 15 16 17 32 33 CRESPO 46 GORDON 44 HALL 12 14 15 16 18 20 23 HOUGHTON 10 14 16 17 18 19 20 21 22 23 JOSE A. FUENTES 4 LUTHER 37 38 39 MANZULLO 9 12 18 19 20 21 MAURICIO TAMARGO 4 MICHAEL H. VAN DUSEN 3 NEWTON 47 48 49 RICHARD J. GARON 3 ROHRABACHER 21 22 30 31 ROS-LEHTINEN 6 9 10 14 17 19 21 22 23 29 32 33 35 37 39 40 43 46 47 48 49 SCHNEIDER 24 30 31 32 33 34 35 36 37 38 39 40 SHERMAN 35 36 37 TALUKDAR 42 YANOVITCH 49 YLEEM D.S. POBLETE 4 CONTENTS SPEAKERS INSERTS STATEMENT OF MARK L. SCHNEIDER, ASSISTANT ADMINISTRATOR FOR LATIN AMERICA, AGENCY FOR INTERNATIONAL DEVELOPMENT PAGE 24 STATEMENT OF MANNAN TALUKDAR, SENIOR OFFICER, GRAMEEN BANK PAGE 42 STATEMENT OF KATHLEEN GORDON, COFOUNDER, PRESIDENT, MEMBER OF THE BOARD OF DIRECTORS, WORKING CAPITAL FLORIDA PAGE 43 STATEMENT OF ELISA CRESPO, OWNER, INSTRUCTOR, EVA SAFETY CONSULTANTS PAGE 46 STATEMENT OF ELVETON NEWTON, OWNER, GARDEN OF EDEN LAWN MINISTRIES PAGE 47 STATEMENT OF LAWRENCE YANOVITCH, CO-CHAIR, MICROENTERPRISE COALITION, AND DIRECTOR, POLICY AND RESEARCH, FOUNDATION FOR INTERNATIONAL COMMUNITY ASSISTANCE PAGE 48 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING