SPEAKER INDEX    CONTENTS   INSERTS   
BERMANT         37     38  
CANNON           7      9     10     15     32     37     44     49     52  
                53  
COBLE           10     37     38  
DIANE K. TAYLOR     4  
FEENEY           7  
GORDON BERMANT    86  
HONORABLE CHRIS CANNON    79     90    101  
HONORABLE MICHAEL J. MELLOY    54  
HONORABLE PAUL MANNES    97  
JAMES DALEY     4  
JENKINS         33  
MANNES          44     50     52  
MELLOY          18     49     51  
PERRY H. APELBAUM     3  
PHILIP G. KIKO     3  
RAYMOND V. SMIETANKA     4  
STEPHANIE MOORE     4  
SUSAN A. JENSEN     4  
WATT            15     49     50     52  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF THE HONORABLE MICHAEL J. MELLOY, UNITED STATES CIRCUIT JUDGE, COURT OF APPEALS OF THE 
EIGHTH CIRCUIT, ON BEHALF OF THE JUDICIAL CONFERENCE OF THE UNITED STATES
                                                                 PAGE    18

STATEMENT OF WILLIAM O. JENKINS, JR., DIRECTOR OF HOMELAND SECURITY AND JUSTICE ISSUES, UNITED 
STATES GENERAL ACCOUNTING OFFICE
                                                                 PAGE    33

STATEMENT OF GORDON BERMANT, CONSULTANT
                                                                 PAGE    37

STATEMENT OF THE HONORABLE PAUL MANNES, UNITED STATES BANKRUPTCY JUDGE FOR THE DISTRICT OF 
MARYLAND, ON BEHALF OF THE NATIONAL CONFERENCE OF BANKRUPTCY JUDGES
                                                                 PAGE    44


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING