SPEAKER INDEX CONTENTS INSERTS BEREUTER 5 6 8 9 11 12 BERMAN 9 CLERK 6 DAN MARTZ 5 FALEOMAVAEGA 7 10 11 HASTINGS 8 HEIDI L. HENNIG 5 MICHAEL H. VAN DUSEN 4 MIKE ENNIS 5 RICHARD J. GARON 4 RICHARD KESSLER 5 CONTENTS SPEAKERS INSERTS NO STATEMENTS DEFINED IN THIS HEARING INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING