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