SPEAKER INDEX CONTENTS INSERTS BIDEN 20 23 63 64 BRUCE COHEN 6 BRYANT 36 CASTLE 28 CHAIRMAN 10 13 15 17 19 20 21 23 27 31 33 35 36 38 39 54 55 59 60 63 66 67 68 77 80 82 84 91 92 95 ELSAESSER 82 95 EWINE 5 GRASSLEY 13 39 55 57 59 60 HOYER 23 33 HUTCHINSON 11 JAMES W. HARPER 5 JULIAN EPSTEIN 4 KINGSTON 23 27 KOLAN DAVIS 6 MANUS COONEY 6 MATT TANIELIAN 6 MELLOY 40 55 56 57 58 59 60 61 62 63 68 NADLER 17 61 62 63 NOTE 91 RAY 77 92 RAYMOND V. SMIETANKA 4 SCOTT 70 91 93 SUSAN JENSEN-CONKLIN 5 THOMAS E. MOONEY, SR 4 WATT 66 67 68 91 92 CONTENTS SPEAKERS INSERTS OPENING STATEMENT OF CHAIRMAN GEKAS PAGE 10 OPENING STATEMENT OF CHAIRMAN GRASSLEY PAGE 13 STATEMENT OF HON. JACK KINGSTON, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF GEORGIA PAGE 23 STATEMENT OF HON. MICHAEL N. CASTLE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF DELAWARE PAGE 28 STATEMENT OF HON. STENY H. HOYER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MARYLAND PAGE 33 STATEMENT OF HON. ED BRYANT, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF TENNESSEE PAGE 36 STATEMENT OF MICHAEL J. MELLOY, U.S. DISTRICT CHIEF JUDGE, NORTHERN DISTRICT OF IOWA AND CHAIR, COMMITTEE ON THE ADMINISTRATION OF THE BANKRUPTCY SYSTEM, JUDICIAL CONFERENCE OF THE UNITED STATES PAGE 40 STATEMENT OF MARY DAVIES SCOTT, U.S. BANKRUPTCY JUDGE, EASTERN AND WESTERN DISTRICTS OF ARKANSAS, PRESIDENT OF THE NATIONAL CONFERENCE OF BANKRUPTCY JUDGES PAGE 70 STATEMENT OF HUGH M. RAY, ESQUIRE, ANDREWS & KURTH, HOUSTON, TX PAGE 77 STATEMENT OF FORD ELSAESSER, ESQUIRE, ELSAESSER, JARZABECK, ANDERSON, MARKS & ELLIOT PAGE 82 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING