SPEAKER INDEX    CONTENTS   INSERTS   
BAIR            20     80     81     83     88     89     93  
BALDWIN         15  
BARR             6     13     14     15     16     17     20     23     28  
                32     54     57     77     78     80     81     82     83  
                84     87     92     97     99    100    101    102    103  
               104    105    106  
CHABOT          17  
EDWARDS         28     81     82     83     84    102  
FLAKE           13     14     84     86     87  
GEKAS           78     93     94     95     96     97  
JR., WISCONSIN     2  
PATRICIA DEMARCO     4  
PERRY H. APELBAUM     3  
PHILIP G. KIKO     3  
RAYMOND V. SMIETANKA     4  
ROBERT NEIRA TRACCI     4  
STEPHANIE MOORE     4  
SUSAN JENSEN-CONKLIN     4  
WATERS          15     78     87     88     89     91     97    105  
WATT            11     17     84    101    102    103    104  
YINGLING        54     85     86     87     90     94     95     96     97  
                98     99    100    101    103    105  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF SHEILA BAIR, ASSISTANT SECRETARY, UNITED STATES DEPARTMENT OF THE TREASURY
                                                                 PAGE    20

STATEMENT OF MARTIN EDWARDS, JR., PRESIDENT, NATIONAL ASSOCIATION OF REALTORS
                                                                 PAGE    28

STATEMENT OF EDWARD L. YINGLING, EXECUTIVE DIRECTOR, AMERICAN BANKERS ASSOCIATION, UNITED STATES 
PUBLIC INTEREST GROUP
                                                                 PAGE    54


INSERTS    SPEAKERS   CONTENTS