About 'discuss the users of accounting information'|...caregiving prior to this grow, which was one of the reasons why this court case should have allowed this information to come in — which it didn’t.” The Future...

About 'discuss the users of accounting information'|...caregiving prior to this grow, which was one of the reasons why this court case should have allowed this information to come in — which it didn’t.” The Future...

Ａｔ               ｆｉｒｓｔ               ｇｌａｎｃｅ,               ａｃｃｏｕｎｔｉｎｇ               ｃａｎ               ａｐｐｅａｒ               ｅｘｔｒｅｍｅｌｙ               ｃｏｍｐｌｉｃａｔｅｄ               ａｎｄ               ｃｏｎｆｕｓｉｎｇ. Ｔｈｅ               ｕｎｔｒａｉｎｅｄ               ｅｙｅ               ｍａｙ               ｓｔｒｕｇｇｌｅ               ｔｏ               ｇｒａｓｐ               ｔｈｅ               ｅｎｔｉｒｅ               ｎａｔｕｒｅ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ａｎｄ               ｓｅｅ               ｉｔ               ｍｅｒｅｌｙ               ａｓ               ａｎ               ｉｎｃｏｍｐｒｅｈｅｎｓｉｂｌｅ               ｍａｓｓ               ｏｆ               ｎｕｍｂｅｒｓ. Ｈｏｗｅｖｅｒ,               ａｃｃｏｕｎｔｉｎｇ               ｉｓ               ａｃｔｕａｌｌｙ               ｍｕｃｈ               ｍｏｒｅ               ｆｏｒ               ａ               ｃｏｍｐａｎｙ. Ｕｌｔｉｍａｔｅｌｙ,               ａｃｃｏｕｎｔｉｎｇ               "ｉｓ               ａｎ               ｉｎｆｏｒｍａｔｉｏｎ               ｓｙｓｔｅｍ               ｔｈａｔ               ｍｅａｓｕｒｅｓ,               ｐｒｏｃｅｓｓｅｓ,               ａｎｄ               ｃｏｍｍｕｎｉｃａｔｅｓ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ａｎ               ｉｄｅｎｔｉｆｉａｂｌｅ               ｅｃｏｎｏｍｉｃ               ｅｎｔｉｔｙ"               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-7). Ｆｕｒｔｈｅｒｍｏｒｅ,               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｍａｋｅ               ｉｔ               ｅａｓｉｅｒ               ｆｏｒ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｉｔｈ               ａｎ               ｉｎｔｅｒｅｓｔ               ｉｎ               ａｎ               ｏｒｇａｎｉｚａｔｉｏｎ               ｔｏ               ｍａｋｅ               ｂｅｔｔｅｒ               ｄｅｃｉｓｉｏｎｓ               ａｂｏｕｔ               ｔｈａｔ               ｐａｒｔｉｃｕｌａｒ               ｅｎｔｉｔｙ               (Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 5). Ａｓ               ａ               ｒｅｓｕｌｔ,               Ｉ               ｓｔｒｏｎｇｌｙ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｔｈｅ               ｔｒｕｅ               ｓｉｇｎｉｆｉｃａｎｃｅ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｃａｎｎｏｔ               ｂｅ               ｆｕｌｌｙ               ａｐｐｒｅｃｉａｔｅｄ               ｗｉｔｈｏｕｔ               ｆｉｒｓｔ               ｅｘａｍｉｎｉｎｇ               ａｌｌ               ｔｈｅ               ｄｉｆｆｅｒｅｎｔ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｈｏ               ａｃｔｕａｌｌｙ               ｕｓｅ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ. Ｔｏ               ｈｅｌｐ               ｙｏｕ               ｆｕｒｔｈｅｒ               ａｐｐｒｅｃｉａｔｅ               ｔｈｅ               ｉｍｐｏｒｔａｎｃｅ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ,               Ｉ               ｈａｖｅ               ｃｏｍｐｏｓｅｄ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｐａｒａｇｒａｐｈｓ               ｔｏ               ｏｕｔｌｉｎｅ               ｔｈｅ               ｄｉｆｆｅｒｅｎｔ               ｕｓｅｒｓ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ,               ａｓ               ｗｅｌｌ               ａｓ               ｔｈｅ               ａｃｃｏｕｎｔａｎｔ'ｓ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｉｅｓ               ｔｏ               ｅａｃｈ. Ｆｉｒｓｔ,               ｗｅ               ｗｉｌｌ               ｄｉｓｃｕｓｓ               ｗｈｏ               ｅｘａｃｔｌｙ               ｕｓｅｓ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ. Ｏｖｅｒａｌｌ,               ｔｈｅｓｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｃａｎ               ｂｅ               ｓｅｐａｒａｔｅｄ               ｉｎｔｏ               ｔｗｏ               ｄｉｓｔｉｎｃｔ               ｇｒｏｕｐｓ:               (1)               ｉｎｔｅｒｎａｌ               ｕｓｅｒｓ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               (2)               ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               (Ｓｗｅａｔｔ,               2002;               Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 5). Ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ               ｃａｎ               ｆｕｒｔｈｅｒ               ｂｅ               ｄｉｖｉｄｅｄ               ｉｎｔｏ               ｔｗｏ               ｓｕｂｇｒｏｕｐｓ:               (1)               "ｔｈｏｓｅ               ｗｉｔｈ               ｄｉｒｅｃｔ               ｆｉｎａｎｃｉａｌ               ｉｎｔｅｒｅｓｔ"               ｉｎ               ａ               ｆｉｒｍ               ａｎｄ               (2)               "ｔｈｏｓｅ               ｗｉｔｈ               ｉｎｄｉｒｅｃｔ               ｆｉｎａｎｃｉａｌ               ｉｎｔｅｒｅｓｔ"               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-27). Ｉｎ               ｔｈｅ               ｅｎｄ,               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｉｎｖａｌｕａｂｌｅ               ｔｏ               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｕｓｅｒｓ.                Ｐｒｏｂａｂｌｙ               ｔｈｅ               ｆｉｒｓｔ               ｔｙｐｅ               ｏｆ               ｕｓｅｒｓ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｃｏｍｅｓ               ｔｏ               ｍｉｎｄ               ｉｓ               ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ. Ｔｈｉｓ               ｇｒｏｕｐ               ｉｓ               ｍａｄｅ               ｕｐ               ａｎｙｏｎｅ               ｏｕｔｓｉｄｅ               ａｎ               ｏｒｇａｎｉｚａｔｉｏｎ               ｔｈａｔ               ｕｓｅｓ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｏ               ｍａｋｅ               ｆｉｎａｎｃｉａｌ               ｄｅｃｉｓｉｏｎｓ               (Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 5). Ａｓ               Ｉ               ｐｒｅｖｉｏｕｓｌｙ               ｍｅｎｔｉｏｎｅｄ,               ｔｈｉｓ               ｇｒｏｕｐ               ｉｓ               ｍａｄｅ               ｕｐ               ｏｆ               ｔｗｏ               ｓｕｂｄｉｖｉｓｉｏｎｓ. Ｅｘａｍｐｌｅｓ               ｏｆ               ｏｕｔｓｉｄｅ               ｉｎｄｉｖｉｄｕａｌｓ/ｅｎｔｉｔｉｅｓ               ｔｈａｔ               ａｒｅ               ｄｉｒｅｃｔｌｙ               ａｆｆｅｃｔｅｄ               ｂｙ               ａ               ｃｏｍｐａｎｙ'ｓ               ｆｉｎａｎｃｅｓ               ｉｎｃｌｕｄｅ               ｉｎｖｅｓｔｏｒｓ,               ｓｔｏｃｋｈｏｌｄｅｒｓ,               ａｎｄ               ｃｒｅｄｉｔｏｒｓ               ｓｉｎｃｅ               ｔｈｅｙ               ｐｕｔ               ｔｈｅｉｒ               ｍｏｎｅｙ               ａｔ               ｒｉｓｋ               ｗｉｔｈ               ｉｎｖｅｓｔｍｅｎｔｓ               ｉｎｔｏ               ａ               ｂｕｓｉｎｅｓｓ. Ｏｎ               ｔｈｅ               ｏｔｈｅｒ               ｈａｎｄ,               ｏｔｈｅｒ               ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ               ｈａｖｅ               ａ               ｍｕｃｈ               ｍｏｒｅ               ｇｅｎｅｒａｌ               ｉｎｔｅｒｅｓｔ               ｉｎ               ａｎ               ｏｒｇａｎｉｚａｔｉｏｎ               ａｎｄ               ｉｎｃｌｕｄｅ               ｃｕｓｔｏｍｅｒｓ,               ｓｕｐｐｌｉｅｒｓ,               ｔｈｅ               ｐｒｅｓｓ,               ａｎｄ               ｒｅｇｕｌａｔｏｒｓ               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-27;               Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 5). Ｃｏｎｓｅｑｕｅｎｔｌｙ,               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｃｒｕｃｉａｌ               ｔｏ               ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ               ｂｅｃａｕｓｅ               ｉｔ               ｃａｎ               ｓｈｏｗ               ｔｈｏｓｅ               ｏｕｔｓｉｄｅ               ａ               ｃｏｍｐａｎｙ               ｓｕｃｈ               ｔｈｉｎｇｓ               ａｓ               ｉｆ               ｔｈａｔ               ｃｏｍｐａｎｙ               ｉｓ               ｈｅａｌｔｈｙ,               ｓｔａｂｌｅ,               ａｎｄ               ｅｘｐａｎｄｉｎｇ               (ａｎｄ               ｔｈｕｓ               ａ               ｓｏｕｎｄ               ｉｎｖｅｓｔｍｅｎｔ)               ａｎｄ               ｉｆ               ｉｔ               ｉｓ               ｏｂｓｅｒｖｉｎｇ               ｅｔｈｉｃａｌ               ｂｕｓｉｎｅｓｓ               ｐｒａｃｔｉｃｅｓ               ａｎｄ               ａｃｃｕｒａｔｅ               ａｃｃｏｕｎｔｉｎｇ               ｐｒｏｃｅｄｕｒｅｓ               (Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ａｃｃｏｕｎｔｉｎｇ               &               Ｆｉｎａｎｃｅ,               ｎ.ｄ.;               Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 5-6).                Ｔｈｅｎ,               ｗｅ               ｈａｖｅ               ｉｎｔｅｒｎａｌ               ｕｓｅｒｓ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ,               ｓｕｃｈ               ａｓ               ｅｍｐｌｏｙｅｅｓ               ａｎｄ               ｔｈｅ               ｖａｒｉｏｕｓ               ｔｙｐｅｓ               ｏｆ               ｍａｎａｇｅｒｓ               (ｉ.ｅ.,               ｐｕｒｃｈａｓｉｎｇ               ｍａｎａｇｅｒｓ               ａｎｄ               ｍａｒｋｅｔｉｎｇ               ｍａｎａｇｅｒｓ). Ａｃｃｕｒａｔｅ               ａｃｃｏｕｎｔｉｎｇ               ｉｓ               ｅｘｔｒｅｍｅｌｙ               ｃｒｕｃｉａｌ               ｔｏ               ｔｈｅｓｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｈｏ               ｍａｋｅ               ｉｍｐｏｒｔａｎｔ               ｆｉｎａｎｃｉａｌ               ａｎｄ               ｂｕｓｉｎｅｓｓ               ｄｅｃｉｓｉｏｎｓ               ｗｉｔｈｉｎ               ａｎ               ｏｒｇａｎｉｚａｔｉｏｎ               ｔｈａｔ               ｄｉｒｅｃｔｌｙ               ａｆｆｅｃｔ               ｔｈｅ               ｂｕｓｉｎｅｓｓ               ｉｔｓｅｌｆ               (Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 6). Ｆｕｎｄａｍｅｎｔａｌｌｙ,               ａ               ｃｏｍｐａｎｙ               "ａｉｍｓ               ｔｏ               ｓｅｌｌ               ｇｏｏｄｓ               ａｎｄ               ｓｅｒｖｉｃｅｓ               ｔｏ               ｃｕｓｔｏｍｅｒｓ               ａｔ               ｐｒｉｃｅｓ               ｔｈａｔ               ｗｉｌｌ               ｐｒｏｖｉｄｅ               ａｎ               ａｄｅｑｕａｔｅ               ｒｅｔｕｒｎ               ｔｏ               ｉｔｓ               ｏｗｎｅｒｓ"               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-13). Ａ               ｂｕｓｉｎｅｓｓ               ｍｕｓｔ               ｍａｉｎｔａｉｎ               ａｎ               ａｄｅｑｕａｔｅ               ｌｅｖｅｌ               ｏｆ               ｐｒｏｆｉｔａｂｉｌｉｔｙ               ａｎｄ               ｌｉｑｕｉｄｉｔｙ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｏｐｅｒａｔｉｎｇ               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-14). Ｈｏｗｅｖｅｒ,               ｗｉｔｈｏｕｔ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ,               ｔｈｉｓ               ｉｓ               ｎｏｔ               ｐｏｓｓｉｂｌｅ. Ａ               ｆｉｒｍ'ｓ               ｍａｎａｇｅｍｅｎｔ               ｎｅｅｄｓ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｏ               ｐｒｏｐｅｒｌｙ               ｃｏｎｄｕｃｔ               ｄａｉｌｙ               ａｃｔｉｖｉｔｉｅｓ               ｗｉｔｈｉｎ               ｔｈｅ               ｂｕｓｉｎｅｓｓ,               ｓｕｃｈ               ａｓ               ｆｉｎａｎｃｅ               ｔｈｅ               ｃｏｍｐａｎｙ,               ｉｎｖｅｓｔ               ｉｔｓ               ｒｅｓｏｕｒｃｅｓ,               ｐｒｏｄｕｃｅ               ｉｔｓ               ｇｏｏｄｓ               ａｎｄ/ｏｒ               ｓｅｒｖｉｃｅｓ,               ｍａｒｋｅｔ               ｔｈｏｓｅ               ｇｏｏｄｓ               ａｎｄ/ｏｒ               ｓｅｒｖｉｃｅｓ,               ａｎｄ               ｍａｎａｇｅ               ｔｈｅ               ｅｍｐｌｏｙｅｅｓ               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-29). Ｈｏｗｅｖｅｒ,               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｊｕｓｔ               ａｓ               ｃｒｉｔｉｃａｌ               ｆｏｒ               ｉｎｔｅｒｎａｌ               ｕｓｅｒｓ               ｗｈｅｎ               ｔｈｅｙ               ｍａｋｅ               ｄｅｃｉｓｉｏｎｓ               ｔｈａｔ               ｗｉｌｌ               ａｆｆｅｃｔ               ｔｈｅ               ｆｕｔｕｒｅ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ,               ｓｕｃｈ               ａｓ               ｔｈｅ               ｐｒｏｆｉｔａｂｉｌｉｔｙ               ｏｆ               ａ               ｐｒｏｐｏｓｅｄ               ｐｒｏｄｕｃｔ               ｏｒ               ｅｘｐａｎｓｉｏｎ               ｉｎｔｏ               ａ               ｎｅｗ               ｌｏｃａｔｉｏｎ               (Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ａｃｃｏｕｎｔｉｎｇ               &               Ｆｉｎａｎｃｅ,               ｎ.ｄ.;               Ｗｉｌｄ,               Ｌａｒｓｏｎ               &               Ｃｈｉａｐｅｔｔａ,               2007,               ｐ. 6).                Ｉｎ               ｔｈｅ               ｅｎｄ,               ｄｅｓｐｉｔｅ               ｔｈｅ               ｄｉｆｆｅｒｅｎｃｅｓ               ｂｅｔｗｅｅｎ               ｉｎｔｅｒｎａｌ               ａｎｄ               ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ,               ｔｈｅ               ａｃｃｏｕｎｔａｎｔ               ｈａｓ               ｓｉｍｉｌａｒ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｉｅｓ               ｔｏ               ｂｏｔｈ               ｏｆ               ｔｈｅｓｅ               ｇｒｏｕｐｓ. Ｆｉｒｓｔ,               ａｌｌ               ａｃｃｏｕｎｔａｎｔｓ               ｈａｖｅ               ｔｈｅ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｔｏ               ａｌｗａｙｓ               ｂｅ               ｅｔｈｉｃａｌ. Ｔｈｅ               ＡＩＣＰＡ               ａｎｄ               ｓｔａｔｅ               ａｕｔｈｏｒｉｔｉｅｓ               ｒｅｃｏｍｍｅｎｄｓ               ｔｈａｔ               ｅｖｅｒｙ               ａｃｃｏｕｎｔａｎｔ               ｓｈｏｕｌｄ               ｆｏｌｌｏｗ               ａ               ｃｏｄｅ               ｏｆ               ｅｔｈｉｃｓ               ｔｈａｔ               ｅｍｐｈａｓｉｚｅｓ               "ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｔｏ               ｔｈｅ               ｐｕｂｌｉｃ,               ｉｎｔｅｇｒｉｔｙ,               ｏｂｊｅｃｔｉｖｉｔｙ,               ｉｎｄｅｐｅｎｄｅｎｃｅ,               ａｎｄ               ｄｕｅ               ｃａｒｅ"               (Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅ               1-85). Ｆｕｒｔｈｅｒｍｏｒｅ,               ｔｈｅ               ａｃｃｏｕｎｔａｎｔ               ｈａｓ               ｔｈｅ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｔｏ               ｂｏｔｈ               ｔｙｐｅｓ               ｏｆ               ｕｓｅｒｓ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ａｌｌ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｉｎ               ａｃｃｏｒｄａｎｃｅ               ｔｏ               Ｇｅｎｅｒａｌｌｙ               Ａｃｃｅｐｔｅｄ               Ａｃｃｏｕｎｔｉｎｇ               Ｐｒｉｎｃｉｐｌｅｓ               (ＧＡＰ). Ｆｉｎａｎｃｉａｌ               ｄｏｃｕｍｅｎｔｓ               ｔｈａｔ               ａｒｅ               ｃｒｅａｔｅｄ               ａｃｃｏｒｄｉｎｇ               ｔｏ               ＧＡＰ               ｈｅｌｐ               ｅｎｓｕｒｅ               ｔｈａｔ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ａｓ               ａｃｃｕｒａｔｅ,               ｕｎｂｉａｓｅｄ,               ｕｎｉｆｏｒｍ,               ａｎｄ               ｕｎｄｅｒｓｔａｎｄａｂｌｅ               ａｓ               ｐｏｓｓｉｂｌｅ               (Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ａｃｃｏｕｎｔｉｎｇ               &               Ｆｉｎａｎｃｅ,               ｎ.ｄ.;               Ｋａｎｔｅｒ               &               Ｐｒｅｓｓｌｅｙ,               ｎ.ｄ.,               Ｓｌｉｄｅｓ               1-79               &               1-80). Ｆｕｒｔｈｅｒｍｏｒｅ,               ｔｈｅ               ａｃｃｏｕｎｔａｎｔ               ｓｈｏｕｌｄ               ａｌｗａｙｓ               ｓｔｒｉｖｅ               ｔｏ               ｐｒｅｓｅｎｔ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｉｓ               ｏｂｊｅｃｔｉｖｅ               ａｎｄ               ｒｅｌｅｖａｎｔ               ｔｏ               ｇｉｖｅ               ｂｏｔｈ               ｉｎｔｅｒｎａｌ               ａｎｄ               ｅｘｔｅｒｎａｌ               ｕｓｅｒｓ               ｔｈｅ               ｂｅｓｔ               ｐｏｓｓｉｂｌｅ               ｐｉｃｔｕｒｅ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ. Ａｎｄ               ｆｉｎａｌｌｙ,               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｎｏｔ               ｗｏｒｔｈ               ｔｈａｔ               ｍｕｃｈ               ｔｏ               ｕｓｅｒｓ               ｉｆ               ｉｔ               ｉｓ               ｎｏｔ               ｐｒｅｓｅｎｔｅｄ               ｉｎ               ａ               ｔｉｍｅｌｙ               ｍａｎｎｅｒ. Ｔｈｕｓ,               ａｃｃｏｕｎｔａｎｔｓ               ｓｈｏｕｌｄ               ａｌｗａｙｓ               ｓｔｒｉｖｅ               ｆｏｒ               ｔｉｍｅｌｉｎｅｓｓ,               ａｓ               ｗｅｌｌ               (Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ａｃｃｏｕｎｔｉｎｇ               &               Ｆｉｎａｎｃｅ,               ｎ.ｄ.).                Ｒｅｆｅｒｅｎｃｅｓ:                Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ａｃｃｏｕｎｔｉｎｇ               &               Ｆｉｎａｎｃｅ. (ｎ.ｄ.). Ｕｎｉｔ               1:               Ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ. Ｒｅｔｒｉｅｖｅｄ               Ｍａｙ               26,               2008,               ｆｒｏｍ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｓｔｒａｔｈｃｌｙｄｅ               Ｗｅｂ               ｓｉｔｅ:               ｈｔｔｐ://ａｃｃｆｉｎｗｅｂ.ａｃｃｏｕｎｔ.ｓｔｒａｔｈ.ａｃ.ｕｋ/ａｍｍｓｃ/ｐ101.ｈｔｍｌ                Ｋａｎｔｅｒ,               Ｈ. Ａ.,               &               Ｐｒｅｓｓｌｅｙ,               Ｍ. Ｍ. (ｎ.ｄ.). Ｍｕｌｔｉｍｅｄｉａ               ｓｌｉｄｅｓ               ｏｆ               ｃｈａｐｔｅｒ               1:               Ｕｓｅｓ               ｏｆ               ａｃｃｏｕｎｔｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               (Ｉｎ               Ｆｉｎａｎｃｉａｌ               ａｃｃｏｕｎｔｉｎｇ               ｂｙ               Ｂｅｌｖｅｒｄ               Ｅ. Ｎｅｅｄｌｅｓ,               Ｊｒ. &               Ｍａｒｉａｎ               Ｐｏｗｅｒｓ). Ｒｅｔｒｉｅｖｅｄ               Ｍａｙ               25,               2008,               ｆｒｏｍ               Ｈｏｕｇｈｔｏｎ               Ｍｉｆｆｌｉｎ               Ｃｏｌｌｅｇｅ               Ｗｅｂ               ｓｉｔｅ:               ｈｔｔｐ://ｗｗｗ.ｃｏｌｌｅｇｅ.ｈｍｃｏ.ｃｏｍ/ａｃｃｏｕｎｔｉｎｇ/ｎｅｅｄｌｅｓ/ｆａ/ｉｎｓｔｒ/ｐｐｔ/ｃｈ01/ｓｌｄ001.ｈｔｍ                Ｗｉｌｄ,               Ｊ. Ｊ.,               Ｌａｒｓｏｎ,               Ｋ. Ｄ.,               &               Ｃｈｉａｐｅｔｔａ,               Ｂ. (2007). Ｆｕｎｄａｍｅｎｔａｌ               ａｃｃｏｕｎｔｉｎｇ               ｐｒｉｎｃｉｐｌｅｓ               (18ｔｈ               ｅｄｉｔｉｏｎ). Ｂｏｓｔｏｎ:               ＭｃＧｒａｗ-Ｈｉｌｌ/Ｉｒｗｉｎ.

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Identify Users of Accounting Information List Users of Accounting Information Different Users of Accounting Information Main Users of Accounting Information Five Users of Accounting Information Internal Users of Financial Accounting External Users of Accounting Info Facts About Accounting

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About 'information systems program'|Advanced system information program

About 'information systems program'|Advanced system information program

Ｒｅｃｅｎｔｌｙ,               Ｃｉｔｉｇｒｏｕｐ               ｗａｓ               ｕｎｄｅｒｇｏｉｎｇ               ｍａｓｓｉｖｅ               ｒｅｏｒｇａｎｉｚａｔｉｏｎ               ｄｕｅ               ｔｏ               ｔｈｅ               ｃｏｍｐｅｔｉｔｉｖｅ               ｆｏｒｃｅｓ               ｓｗｅｅｐｉｎｇ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｅｒｖｉｃｅｓ               ｉｎｄｕｓｔｒｙ. Ｔｈｅ               ｃｏｍｐａｎｙ               ｗａｓ               ａｌｓｏ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｏｎｇｏｉｎｇ               ｍｅｒｇｅｒｓ               ａｎｄ               ａｃｑｕｉｓｉｔｉｏｎｓ. Ｄｕｒｉｎｇ               ｒｅｃｅｎｔ               ｃｏｎｓｏｌｉｄａｔｉｏｎｓ               ａｆｔｅｒ               ｍｅｒｇｅｒ               ａｃｔｉｖｉｔｉｅｓ,               ｏｎｅ               ｏｆ               ｔｈｅｉｒ               ｉｎｔｅｒｎａｌ               Ｉｎｆｏｒｍａｔｉｏｎ               Ｓｙｓｔｅｍｓ               ｄｉｖｉｓｉｏｎｓ               ｈａｄ               ｓｉｇｎｉｆｉｃａｎｔ               ｊｏｂ               ｃｕｔｓ               ａｎｄ               ｌａｙｏｆｆｓ. Ｏｎｅ               ｌａｒｇｅ               ｄｅｐａｒｔｍｅｎｔ               ｏｆ               150               ｐｅｏｐｌｅ               ｉｎ               ｔｈｉｓ               ｄｉｖｉｓｉｏｎ               ｅｘｐｅｒｉｅｎｃｅｄ               ａ               ｔｗｅｎｔｙ               ｆｉｖｅ               ｐｅｒｃｅｎｔ               ｒｅｄｕｃｔｉｏｎ               ｉｎ               ｗｏｒｋｆｏｒｃｅ. Ｄｅｐａｒｔｍｅｎｔ               ｍａｎａｇｅｍｅｎｔ               ｒｅｏｒｇａｎｉｚｅｄ               ｔｈｅ               ｒｅｍａｉｎｉｎｇ               ｅｍｐｌｏｙｅｅｓ               ｉｎｔｏ               ａ               "ｗｏｒｋ               ｔｅａｍ"               ｓｔｒｕｃｔｕｒｅ,               ａｎｄ               ｆｏｃｕｓｅｄ               ｔｈｅ               ｔｅａｍｓ               ｏｎ               ｋｅｙ               ｉｎｔｅｒｎａｌ               ｂｕｓｉｎｅｓｓ               ｍａｔｔｅｒｓ. Ｈｏｗｅｖｅｒ,               ｔｈｅｒｅ               ｗｅｒｅ               ｓｅｒｉｏｕｓ               ｐｅｒｆｏｒｍａｎｃｅ               ｃｏｎｃｅｒｎｓ. Ｔｈｅｒｅ               ｗａｓ               ｖｅｒｙ               ｌｏｗ               ｍｏｒａｌｅ               ａｍｏｎｇ               ｔｈｅ               ｒｅｍａｉｎｉｎｇ               ｅｍｐｌｏｙｅｅｓ,               ａｌｓｏ               ｋｎｏｗｎ               ａｓ               "ｔｈｅ               ｓｕｒｖｉｖｏｒｓ". Ｔｒｕｓｔ               ｌｅｖｅｌｓ               ｂｅｔｗｅｅｎ               ｓｔａｆｆ               ａｎｄ               ｍａｎａｇｅｍｅｎｔ               ｗｅｒｅ               ｖｅｒｙ               ｌｏｗ,               ａｓ               ｗｅｌｌ               ａｓ               ｔｒｕｓｔ               ｌｅｖｅｌｓ               ｂｅｔｗｅｅｎ               ａｌｌ               ｓｔａｆｆ               ｅｍｐｌｏｙｅｅｓ               -               ｗｈｏ               ｗｅｒｅ               ａ               ｍｉｘ               ｏｆ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｃｏｍｐａｎｉｅｓ. Ｔｈｏｕｇｈ               ｔｈｅｙ               ｗｅｒｅ               ｅｎｃｏｕｒａｇｅｄ               ｔｏ               ｂｅ               "ｈｉｇｈ               ｐｅｒｆｏｒｍａｎｃｅ               ｗｏｒｋ               ｔｅａｍｓ",               ｔｈｅｒｅ               ｗａｓ               ａｌｍｏｓｔ               ｎｏ               ｔｅａｍｗｏｒｋ. Ｔｈｅｒｅ               ｗｅｒｅ               ｄｉｓｏｒｇａｎｉｚｅｄ               ａｐｐｒｏａｃｈｅｓ               ｔｏ               ｓｅｒｖｉｃｉｎｇ               ｔｈｅ               ｂｕｓｉｎｅｓｓｅｓ               ｃｕｓｔｏｍｅｒｓ. Ｔｈｅ               ｅｘｔｒｅｍｅｌｙ               ｈｉｇｈ               ｃｏｓｔ               ｏｆ               ｗｏｒｋ               ｍａｎａｇｅｍｅｎｔ               ｃｏｍｐｕｔｅｒｓ               ａｎｄ               ｓｏｆｔｗａｒｅ               ａｌｓｏ               ｍａｄｅ               ｉｔ               ｖｅｒｙ               ｃｏｓｔｌｙ               ｔｏ               ｔｒａｉｎ               ｅｍｐｌｏｙｅｅｓ               ｏｎ               ｎｅｗ               ｓｙｓｔｅｍｓ. Ｄｕｅ               ｔｏ               ｔｈｅ               ｌａｙｏｆｆｓ               ａｎｄ               ｊｏｂ               ｃｕｔｓ,               ｔｈｅｒｅ               ｗａｓ               ｆｅａｒ               ａｎｄ               ｍｉｓｔｒｕｓｔ               ｏｆ               ｍａｎａｇｅｍｅｎｔ,               ａｎｄ               ｅｖｅｎ               ｓｏｍｅ               ｃｏ-ｗｏｒｋｅｒｓ. Ａ               ｃｏｎｓｕｌｔｉｎｇ               ｃｏｍｐａｎｙ               ｍｅｔ               ｗｉｔｈ               ｄｅｐａｒｔｍｅｎｔ               ｍａｎａｇｅｍｅｎｔ               ａｎｄ               ｔｈｅ               Ｃｈｉｅｆ               Ｉｎｆｏｒｍａｔｉｏｎ               Ｏｆｆｉｃｅｒ. Ｕｓｉｎｇ               ｔｈｅ               Ｔｒａｎｓｆｏｒｍａｔｉｏｎ               Ｐｒｏｊｅｃｔ               ａｐｐｒｏａｃｈ,               ｔｈｅｙ               ｄｅｓｉｇｎｅｄ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｓｏｌｕｔｉｏｎ               ｏｖｅｒ               ａ               ｓｉｘ-ｍｏｎｔｈ               ｐｅｒｉｏｄ               (Ｃｒｏｓｓｍａｎ,               2007).                Ｔｈｅｙ               ｆｉｒｓｔ               ｅｎｃｏｕｒａｇｅｄ               ｍａｎａｇｅｍｅｎｔ               ｔｏ               ｏｒｇａｎｉｚｅ               ａ               ｓｍａｌｌ               ｌｅａｄｅｒｓｈｉｐ               ｔｅａｍ,               ｃａｌｌｅｄ               ｔｈｅ               "Ｇｕｉｄａｎｃｅ               Ｔｅａｍ",               ｔｏ               ｈｅｌｐ               ｄｅｆｉｎｅ               ａｎｄ               ｇｕｉｄｅ               ｔｈｅ               ｅｆｆｏｒｔ. Ｔｈｅｎ               ｔｈｅｙ               ｄｅｖｅｌｏｐｅｄ               ａｎ               ｉｎｔｅｇｒａｔｅｄ               ｃｕｒｒｉｃｕｌｕｍ               ｏｆ               Ｓｅｌｆ               Ｃｈａｎｇｅ,               Ｔｅａｍ               Ｃｈａｎｇｅ,               ａｎｄ               Ｂｕｓｉｎｅｓｓ               Ｃｈａｎｇｅ               ｐｒｏｇｒａｍｓ,               ｗｈｉｃｈ               ｗａｓ               ｄｅｌｉｖｅｒｅｄ               ｔｈｒｏｕｇｈ               ａ               ｔｈｒｅｅ               ｄａｙ               ｐｒｏｇｒａｍ. Ｔｈｉｓ               ｔｒａｉｎｉｎｇ               ｗａｓ               ｔｏ               ｂｅ               ｓｕｐｐｌｅｍｅｎｔｅｄ               ｂｙ               ｆｏｕｒ               ｏｎｅ-ｄａｙ               ｔｒａｉｎｉｎｇ               ｓｅｓｓｉｏｎｓ               ｔｏ               ａｃｃｅｌｅｒａｔｅ               ｔｈｅ               "ｔｕｒｎ-ａｒｏｕｎｄ"               ｐｒｏｃｅｓｓ,               ｂｏｔｈ               ｆｒｏｍ               ａ               ｈｕｍａｎ               ｒｅｓｏｕｒｃｅｓ               ａｎｄ               ｂｕｓｉｎｅｓｓ               ｏｐｅｒａｔｉｏｎｓ               ｐｏｉｎｔ               ｏｆ               ｖｉｅｗ               (Ｂｏｈｌａｎｄｅｒ,               Ｓｎｅｌｌ               2007).                Ｍａｎａｇｅｍｅｎｔ               ｏｕｔｌｉｎｅｄ               ｔｈｅ               ｐｒｏｊｅｃｔ'ｓ               ｍｅａｓｕｒｅｍｅｎｔ               ｓｙｓｔｅｍ. Ｔｈｉｓ               ｉｎｖｏｌｖｅｄ               ｅｘａｍｉｎｉｎｇ               ｔｗｅｌｖｅ               ｋｅｙ               ｂｅｈａｖｉｏｒａｌ               ｍｅａｓｕｒｅｓ               ｏｆ               ｉｎｄｉｖｉｄｕａｌ               ａｎｄ               ｔｅａｍ               ｐｅｒｆｏｒｍａｎｃｅ,               ａｓ               ｗｅｌｌ               ａｓ               ｔｈｒｅｅ               ｋｅｙ               ｂｕｓｉｎｅｓｓ               ｍｅａｓｕｒｅｓ               ｔｈａｔ               ｗｅｒｅ               ｃｏｎｓｉｄｅｒｅｄ               ｉｍｐｏｒｔａｎｔ. Ｔｈｅ               ｐｒｏｊｅｃｔ               ｗａｓ               ｔｏ               ｃｒｅａｔｅ               ａ               ｒｅｄｕｃｔｉｏｎ               ｉｎ               ｓｏｆｔｗａｒｅ               ｄｅｖｅｌｏｐｍｅｎｔ               ｔｉｍｅ,               ａｎ               ｉｎｃｒｅａｓｅ               ｉｎ               ｍａｉｎｆｒａｍｅ               ｓｙｓｔｅｍ               ｕｐ-ｔｉｍｅ               ａｎｄ               ａｎ               ｉｎｃｒｅａｓｅ               ｉｎ               ｗｏｒｋ               ｔｅａｍ               ｐｒｏｄｕｃｔｉｖｉｔｙ. Ａｌｓｏ,               ｗｏｒｋｉｎｇ               ｗｉｔｈ               ｔｈｅ               ｄｉｒｅｃｔｉｏｎ               ｏｆ               ｔｈｅ               "Ｇｕｉｄａｎｃｅ               Ｔｅａｍ",               ｔｈｅ               ｃｏｎｓｕｌｔａｎｔｓ               ｗｅｒｅ               ｔｏ               ｐｒｏｖｉｄｅ               ｔａｒｇｅｔｅｄ               ｃｏａｃｈｉｎｇ               ｏｎ               ａｎ               ａｓ-ｎｅｅｄｅｄ               ｂａｓｉｓ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓｉｘ-ｍｏｎｔｈ               ｐｅｒｉｏｄ. Ｉｔ               ｗａｓ               ｐｒｅｄｉｃｔｅｄ               ｔｈａｔ               ｉｓｓｕｅｓ               ｍｉｇｈｔ               ａｒｉｓｅ               ｌｉｋｅ               ｒｅｓｏｌｖｉｎｇ               ｄｅｅｐ-ｓｅａｔｅｄ               ｃｏｎｆｌｉｃｔ               ｂｅｔｗｅｅｎ               ｋｅｙ               ｐｅｏｐｌｅ,               ｓｔｒｅｓｓ               ｍａｓｔｅｒｙ               ａｎｄ               ｌｉｆｅ               ｂａｌａｎｃｅ               ｃｏａｃｈｉｎｇ               ｆｏｒ               ｓｏｍｅ               ｅｍｐｌｏｙｅｅｓ,               ｉｄｅｎｔｉｆｙｉｎｇ               ａｎｄ               ｒｅｓｏｌｖｉｎｇ               ｋｅｙ               ｃｕｓｔｏｍｅｒ               ｃｏｎｃｅｒｎｓ               ａｎｄ               ｐｒｏｃｅｓｓ               ｉｍｐｒｏｖｅｍｅｎｔ               ａｃｔｉｖｉｔｉｅｓ               ｏｎ               ｔｗｏ               ｋｅｙ               ｐｒｏｃｅｓｓｅｓ. Ｔｈｅ               ｒｅｓｐｏｎｓｅ               ｗａｓ               ｏｖｅｒｗｈｅｌｍｉｎｇｌｙ               ｐｏｓｉｔｉｖｅ,               ａｎｄ               ｔｈｅｙ               ｉｍｐｌｅｍｅｎｔｅｄ               ｔｈｅ               ｂａｌａｎｃｅ               ｏｆ               ｔｈｅ               ｇａｍｅ               ｐｌａｎ               ｉｎ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｓｉｘ               ｍｏｎｔｈｓ               (Ｃｒｏｓｓｍａｎ,               2007).                Ｗｉｔｈｉｎ               ｔｈａｔ               ｔｉｍｅ               ｔｈｅ               ｄｅｐａｒｔｍｅｎｔ               ｅｘｐｅｒｉｅｎｃｅｄ               ａ               ｄｒａｍａｔｉｃ               ｃｈａｎｇｅ               ｉｎ               ｐｅｒｆｏｒｍａｎｃｅ,               ｂｏｔｈ               ｉｎｔｅｒｎａｌｌｙ               ａｎｄ               ｗｉｔｈ               ｔｈｅｉｒ               ｂｕｓｉｎｅｓｓ               ｕｎｉｔ               ｃｕｓｔｏｍｅｒｓ. Ｔｈｅｙ               ａｌｓｏ               ｃｒｅａｔｅｄ               ａ               ｗｏｒｋ               ｐｌａｃｅ               "ｃｏｍｍｕｎｉｔｙ",               ｗｈｅｒｅ               ｐｅｏｐｌｅ               ｎｏｗ               ｓｐｅｎｔ               ｔｉｍｅ               ｔｏｇｅｔｈｅｒ               ｏｕｔｓｉｄｅ               ｏｆ               ｗｏｒｋ               ｏｎ               ｓｏｃｉａｌ               ｏｕｔｉｎｇｓ               ａｎｄ               ｐｒｏｊｅｃｔｓ               ｌｉｋｅ               ｉｎｎｅｒ               ｃｉｔｙ               Ｈａｂｉｔａｔ               ｆｏｒ               Ｈｕｍａｎｉｔｙ               ｈｏｍｅ               ｒｅｃｏｎｓｔｒｕｃｔｉｏｎｓ.                Ｔｈｅ               ｃｕｌｔｕｒｅ               ｏｆ               ｔｈｅ               ｅｎｔｉｒｅ               ｄｅｐａｒｔｍｅｎｔ               ｈａｄ               ｂｅｇｕｎ               ｔｏ               ｒａｄｉｃａｌｌｙ               ｓｈｉｆｔ               ａｗａｙ               ｆｒｏｍ               "ｗｅ               ａｒｅ               ｓｕｒｖｉｖｏｒｓ"               ｔｏ               "ｗｅ               ｃａｎ               ｍａｋｅ               ｔｈｉｎｇｓ               ｈａｐｐｅｎ". (Ｌａｌｅｎｄｌｅ,               2000)                Ｏｖｅｒ               ｔｈｅ               ｓｉｘ               ｍｏｎｔｈ               ｐｅｒｉｏｄ               ｔｈｅ               ｂｅｈａｖｉｏｒａｌ               ｃｈａｎｇｅｓ               ｗｅｒｅ               ｉｍｐｒｅｓｓｉｖｅ:               76%               ｉｎｃｒｅａｓｅ               ｉｎ               ｔｒｕｓｔ               ｌｅｖｅｌｓ,               32%               -               85%               ｉｎｃｒｅａｓｅｓ               ｉｎ               ｖａｒｉｏｕｓ               ｍｅａｓｕｒｅｓ               ｏｆ               ｔｅａｍ               ｅｆｆｅｃｔｉｖｅｎｅｓｓ               (ｐｒｏｂｌｅｍ               ｓｏｌｖｉｎｇ,               ｔｅａｍ               ｃｏｍｍｕｎｉｃａｔｉｏｎ,               ｒｉｓｋ-ｔａｋｉｎｇ,               ｔｅａｍ               ａｃｃｏｕｎｔａｂｉｌｉｔｙ,               ｃｏｎｆｌｉｃｔ               ｒｅｓｏｌｕｔｉｏｎ,               ｔｅａｍ               ｓｕｐｐｏｒｔ,               ｃｕｓｔｏｍｅｒ               ｆｏｃｕｓ)               ａ               48%               ｉｎｃｒｅａｓｅ               ｉｎ               ｏｐｅｎ,               ｈｏｎｅｓｔ               ｃｏｍｍｕｎｉｃａｔｉｏｎ,               ａ               75%               ｉｎｃｒｅａｓｅ               ｉｎ               ｐｅｒｓｏｎａｌ               ｐｏｗｅｒ               /               ａｂｉｌｉｔｙ               ｔｏ               ｒｅｓｐｏｎｄ               ｔｏ               ｃｈａｎｇｅ,               ａ               68%               ｉｎｃｒｅａｓｅ               ｉｎ               ｐｅｒｓｏｎａｌ               ｅｍｏｔｉｏｎａｌ               ｍａｓｔｅｒｙ,               65%               ｒｅｄｕｃｔｉｏｎ               ｉｎ               ｓｔｒｅｓｓ               ａｎｄ               ａ               75%               ｉｎｃｒｅａｓｅ               ｉｎ               ｃｏｍｍｉｔｍｅｎｔ               ｔｏ               ｔｈｅ               ｏｒｇａｎｉｚａｔｉｏｎ               (Ｌａｌｅｎｄｌｅ,               2000).                Ａｌｓｏ,               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｌｏｗ               ｍｏｒａｌｅ               ａｎｄ               "ｓｕｒｖｉｖｏｒ"               ａｔｔｉｔｕｄｅｓ               ｔｈａｔ               ｅｘｉｓｔｅｄ               ｂｅｆｏｒｅ               ｔｈｅ               ｐｒｏｊｅｃｔ,               ｔｈｅｙ               ｔｏｏｋ               ｍｅａｓｕｒｅｓ               ｏｎ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｆｕｎ               ｐｅｏｐｌｅ               ｗｅｒｅ               ｈａｖｉｎｇ               ａｔ               ｗｏｒｋ. Ｔｈｉｓ               ｍｅａｓｕｒｅ               ｈａｄ               ｇｏｎｅ               ｕｐ               82%. Ｅｑｕａｌｌｙ               ｉｍｐｒｅｓｓｉｖｅ               ｗｅｒｅ               ｔｈｅ               ｃｈａｎｇｅｓ               ｉｎ               ｂｕｓｉｎｅｓｓ               ｒｅｓｕｌｔｓ. Ｔｈｅｒｅ               ｗａｓ               ａ               75%               ｒｅｄｕｃｔｉｏｎ               ｉｎ               ｃｙｃｌｅ               ｔｉｍｅ               ｆｏｒ               ｓｏｆｔｗａｒｅ               ｄｅｖｅｌｏｐｍｅｎｔ,               ａｎ               ｉｎｃｒｅａｓｅ               ｉｎ               ｍａｉｎｆｒａｍｅ               ｓｙｓｔｅｍ               ｕｐ-ｔｉｍｅ               ｆｒｏｍ               92%               ｔｏ               99%               ａｎｄ               ａ               33%               -               50%               ｉｎｃｒｅａｓｅ               ｉｎ               ｗｏｒｋ               ｔｅａｍ               ｐｒｏｄｕｃｔｉｖｉｔｙ. Ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｗｅｒｅ               ｇａｉｎｓ               ｏｎ               ｔｈｅ               ｐｒｅｃｉｓｅ               ｐｅｒｆｏｒｍａｎｃｅ               ｉｓｓｕｅｓ               ａｆｆｅｃｔｉｎｇ               ｔｈｅ               ｄｅｐａｒｔｍｅｎｔ. Ａｌｓｏ,               ｔｈｅ               ｄｅｐａｒｔｍｅｎｔ               ｈａｄ               ｒｅｓｏｌｖｅｄ               ｏｖｅｒ               30               ｑｕａｌｉｔｙ               ａｎｄ               ｐｒｏｄｕｃｔｉｖｉｔｙ               ｉｓｓｕｅｓ               ａｆｆｅｃｔｉｎｇ               ｃｕｓｔｏｍｅｒ               ｓｅｒｖｉｃｅ               ｌｅｖｅｌｓ               ｉｎ               ｔｈｅ               ｓｉｘ-ｍｏｎｔｈ               ｐｅｒｉｏｄ. Ｔｈｅ               ｂｕｓｉｎｅｓｓ               ｕｎｉｔ               ｃｕｓｔｏｍｅｒｓ               ｗｅｒｅ               ｓｏ               ｈａｐｐｙ               ｗｉｔｈ               ｔｈｅｓｅ               ｎｅｗｌｙ               ｉｎｓｐｉｒｅｄ               ｅｍｐｌｏｙｅｅｓ;               ｔｈｅｙ               ａｗａｒｄｅｄ               ｔｈｅ               ｄｅｐａｒｔｍｅｎｔ               ｗｉｔｈ               ａ               ｃｏｍｐａｎｙ-ｗｉｄｅ               ｓｅｒｖｉｃｅ               ａｗａｒｄ               Ｃｉｔｉｇｒｏｕｐ               ｉｓ               ａｌｓｏ               ｉｎ               ｔｈｅ               ｍｉｄｄｌｅ               ｏｆ               ａ               ｍａｊｏｒ               ｓｈｉｆｔ               ｉｎ               ｉｔｓ               ａｐｐｒｏａｃｈ               ｔｏ               ｈｉｇｈ-ｐｅｒｆｏｒｍａｎｃｅ               ｃｏｍｐｕｔｉｎｇ,               ｍｏｖｉｎｇ               ｆｒｏｍ               ｃｌｕｓｔｅｒｅｄ               ｓｅｒｖｅｒｓ               ｔｏ               ａ               ｌａｒｇｅ-ｓｃａｌｅ               ｇｒｉｄ. Ｔｈｅｙ               ｈａｖｅ               ｂｕｉｌｔ               ａ               ｓｅｒｖｉｃｅ-ｏｒｉｅｎｔｅｄ               ａｐｐｒｏａｃｈ               ｔｈａｔ               ｄｅｌｉｖｅｒｓ               ｈｉｇｈ-ｐｅｒｆｏｒｍａｎｃｅ               ｃｏｍｐｕｔｉｎｇ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｒｅｖｅｎｕｅ               ｐｏｔｅｎｔｉａｌ               ｏｆ               ａ               ｊｏｂ. Ｇｕｉｄａｎｃｅ               ｔｅａｍｓ               ａｎｄ               ｃｏｍｐｕｔｉｎｇ               ａｒｅ               ｔｗｏ               ｅｘａｍｐｌｅｓ               ｏｆ               ｈｏｗ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ｔｒｙｉｎｇ               ｔｏ               ｇｅｔ               ｍｏｒｅ               ｅｆｆｉｃｉｅｎｔ               ａｂｏｕｔ               ｈｏｗ               ｉｔ               ｄｅｌｉｖｅｒｓ               ｔｈｅ               ｍｅｔｈｏｄｓ               ｔｈａｔ               ｈａｖｅ               ｂｅｃｏｍｅ               ｃｒｉｔｉｃａｌ               ｔｏ               ｔｈｅ               ｉｎｄｕｓｔｒｙ.                Ｗｏｒｋｓ               Ｃｉｔｅｄ                               Ｂｏｈｌａｎｄｅｒ,               Ｇ               &               Ｓｎｅｌｌ,               Ｓ               (2007)               Ｍａｎａｇｉｎｇ               Ｈｕｍａｎ               Ｒｅｓｏｕｒｃｅｓ               (14ｔｈ               ｅｄ.)                Ｍａｓｏｎ               ＯＨ:               Ｔｈｏｍｐｓｏｎ               Ｈｉｇｈｅｒ               ｌｅａｒｎｉｎｇ.                Ｃｒｏｓｓｍａｎ,               Ｐ               (2007)               Ｗａｌｌ               Ｓｔｒｅｅｔ               &               Ｔｅｃｈｎｏｌｏｇｙ;               ＩｎｆｏｒｍａｔｉｏｎＷｅｅｋ               Ｗｉｔｈ               ｈｉｇｈ-               ｐｅｒｆｏｒｍａｎｃｅ               ｃｏｍｐｕｔｉｎｇ               ｓｔｒａｔｅｇｉｃ               ａｎｄ               ｃｏｓｔｌｙ,               ｃｏｍｐａｎｉｅｓ               ｐｕｓｈ               ｅｆｆｉｃｉｅｎｃｙ                Ｏｒｉｇｉｎａｌ               Ｄａｔｅ               Ａｐｒｉｌ               16,               2007               Ｒｅｔｒｉｅｖｅｄ               Ｍａｒｃｈ               2,               2009               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｉｎｆｏｒｍａｔｉｏｎｗｅｅｋ.ｃｏｍ/ｎｅｗｓ/ｓｏｆｔｗａｒｅ/ｅｎｔｅｒｐｒｉｓｅａｐｐｓ/ｓｈｏｗＡｒｔｉｃｌｅ.ｊｈｔｍ                Ｌａｌｅｎｄｌｅ,               Ｌ               (2000)               Ｈｉｇｈ               Ｐｅｒｆｏｒｍａｎｃｅ               Ｗｏｒｋ               Ｓｙｓｔｅｍｓ;               Ｐｅｒｆｏｒｍａｎｃｅ               Ｄｅｖｅｌｏｐｍｅｎｔ               ｓｙｓｔｅｍｓ.                Ｏｒｉｇｉｎａｌ               ｄａｔｅ               Ａｐｒｉｌ               18,               2000               Ｒｅｔｒｉｅｖｅｄ               Ｍａｒｃｈ               1,               2009               ｆｒｏｍ               ｈｔｔｐｓ://ｗｗｗ.ｍｓｕ.ｅｄｕ/~ｌａｌｅｎｄｌｅ/ＨＰＷＳ.ｈｔｍ

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    ephemeralmortal.blogspot.com/   01/17/2006

    ... deoxyribonucleic acid system of nucleic acid information units which are...which has more information programmed into it than may be found...

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Program Handouts & Information -- Continuing Education -- South Central Library Systembyscls

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ISO 27001 Information Security Management Systembyiso2700x

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...   This paper provides basic information on what metrics are and why... of making a metrics program successful, and identifies the ...

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...Systems develops management information systems, customized database... computer programmes since more than 15 years...

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About 'accounting for decision makers'|...president ought to take account of the deep beliefs... as independent decision makers who follow an interpretive...When Romney ran for governor, he made a commitment...

About 'accounting for decision makers'|...president ought to take account of the deep beliefs... as independent decision makers who follow an interpretive...When Romney ran for governor, he made a commitment...

Ｎｏｖｅｍｂｅｒ               9,               2008               Ｍｒ. Ｖｉｋｒａｍ               Ｐａｎｄｉｔ,               ＣＥＯ               Ｃｉｔｉｇｒｏｕｐ               399               Ｐａｒｋ               Ａｖｅｎｕｅ               Ｎｅｗ               Ｙｏｒｋ,               ＮＹ               10043                Ｄｅａｒ               Ｍｒ. Ｐａｎｄｉｔ,                Ｔｈｅ               Ｓｉｓｔｅｒｓ               ｏｆ               Ｃｈａｒｉｔｙ               ｏｆ               Ｓａｉｎｔ               Ｅｌｉｚａｂｅｔｈ               ａｒｅ               ｃｏｎｃｅｒｎｅｄ               ａｂｏｕｔ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｆｉｓｃａｌ               ｃｒｉｓｉｓ,               ｉｔｓ               ｅｆｆｅｃｔ               ｏｎ               ｗｏｒｌｄ-ｗｉｄｅ               ｃｏｍｍｕｎｉｔｉｅｓ               ａｎｄ               ｏｕｒ               Ｃｏｍｐａｎｙ'ｓ               ｒｅｓｐｏｎｓｅ               ｔｏ               ｔｈｉｓ               ｃｒｉｔｉｃａｌ               ｓｉｔｕａｔｉｏｎ. Ｗｅ               ｂｅｌｉｅｖｅ               ｔｈｅ               ｇｌｏｂａｌ               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｉｓ               ｒｅｑｕｉｒｅｓ               ｍａｊｏｒ               ｃｈａｎｇｅｓ               ｉｎ               ｌｅｎｄｉｎｇ               ｐｒａｃｔｉｃｅｓ               ｂｙ               ｏｕｒ               Ｃｏｍｐａｎｙ. Ｔｈｅｒｅｆｏｒｅ,               ｔｈｅ               Ｓｉｓｔｅｒｓ               ｏｆ               Ｃｈａｒｉｔｙ               ｏｆ               Ｓａｉｎｔ               Ｅｌｉｚａｂｅｔｈ               ｒｅｑｕｅｓｔ               ｔｈｅ               Ｂｏａｒｄ               ｏｆ               Ｄｉｒｅｃｔｏｒｓ               ｔｏ               ａｄｏｐｔ               ｔｈｅ               Ｅｕｒｏｄａｄ               Ｐｒｉｎｃｉｐｌｅｓ               ｆｏｒ               ｒｅｓｐｏｎｓｉｂｌｅ               ｌｅｎｄｉｎｇ               ａｓ               ｄｅｓｃｒｉｂｅｄ               ｉｎ               ｔｈｅ               ａｔｔａｃｈｅｄ               ｐｒｏｐｏｓａｌ.                Ｔｈｅ               Ｓｉｓｔｅｒｓ               ｏｆ               Ｃｈａｒｉｔｙ               ｏｆ               Ｓａｉｎｔ               Ｅｌｉｚａｂｅｔｈ               ａｒｅ               ｂｅｎｅｆｉｃｉａｌ               ｏｗｎｅｒｓ               ｏｆ               300               ｓｈａｒｅｓ               ｏｆ               ｓｔｏｃｋ. Ｕｎｄｅｒ               ｓｅｐａｒａｔｅ               ｃｏｖｅｒ,               ｙｏｕ               ｗｉｌｌ               ｒｅｃｅｉｖｅ               ｐｒｏｏｆ               ｏｆ               ｏｗｎｅｒｓｈｉｐ. Ｗｅ               ｗｉｌｌ               ｒｅｔａｉｎ               ｓｈａｒｅｓ               ｔｈｒｏｕｇｈ               ｔｈｅ               ａｎｎｕａｌ               ｍｅｅｔｉｎｇ.                Ｉ               ｈａｖｅ               ｂｅｅｎ               ａｕｔｈｏｒｉｚｅｄ               ｔｏ               ｎｏｔｉｆｙ               ｙｏｕ               ｏｆ               ｏｕｒ               ｉｎｔｅｎｔｉｏｎ               ｔｏ               ｆｉｌｅ               ｔｈｉｓ               ｒｅｓｏｌｕｔｉｏｎ               ｆｏｒ               ｃｏｎｓｉｄｅｒａｔｉｏｎ               ｂｙ               ｔｈｅ               ｓｔｏｃｋｈｏｌｄｅｒｓ               ａｔ               ｔｈｅ               ｎｅｘｔ               ａｎｎｕａｌ               ｍｅｅｔｉｎｇ               ａｎｄ               Ｉ               ｈｅｒｅｂｙ               ｓｕｂｍｉｔ               ｉｔ               ｆｏｒ               ｉｎｃｌｕｓｉｏｎ               ｉｎ               ｔｈｅ               ｐｒｏｘｙ               ｓｔａｔｅｍｅｎｔ,               ｉｎ               ａｃｃｏｒｄａｎｃｅ               ｗｉｔｈ               ｒｕｌｅ               14ａ-8               ｏｆ               ｔｈｅ               Ｇｅｎｅｒａｌ               Ｒｕｌｅｓ               ａｎｄ               Ｒｅｇｕｌａｔｉｏｎｓ               ｏｆ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ａｃｔ               ｏｆ               1934.                Ｉｆ               ｙｏｕ               ｓｈｏｕｌｄ,               ｆｏｒ               ａｎｙ               ｒｅａｓｏｎ,               ｄｅｓｉｒｅ               ｔｏ               ｏｐｐｏｓｅ               ｔｈｅ               ａｄｏｐｔｉｏｎ               ｏｆ               ｔｈｉｓ               ｐｒｏｐｏｓａｌ               ｂｙ               ｔｈｅ               ｓｔｏｃｋｈｏｌｄｅｒｓ,               ｐｌｅａｓｅ               ｉｎｃｌｕｄｅ               ｉｎ               ｔｈｅ               ｃｏｒｐｏｒａｔｉｏｎ'ｓ               ｐｒｏｘｙ               ｍａｔｅｒｉａｌ               ｔｈｅ               ａｔｔａｃｈｅｄ               ｓｔａｔｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｓｅｃｕｒｉｔｙ               ｈｏｌｄｅｒ,               ｓｕｂｍｉｔｔｅｄ               ｉｎ               ｓｕｐｐｏｒｔ               ｏｆ               ｔｈｉｓ               ｐｒｏｐｏｓａｌ,               ａｓ               ｒｅｑｕｉｒｅｄ               ｂｙ               ｔｈｅ               ａｆｏｒｅｓａｉｄ               ｒｕｌｅｓ               ａｎｄ               ｒｅｇｕｌａｔｉｏｎｓ.                Ｓｉｎｃｅｒｅｌｙ,                Ｓｉｓｔｅｒ               Ｂａｒｂａｒａ               Ａｉｒｅｓ,               ＳＣ                Ｃｏｏｒｄｉｎａｔｏｒ               ｏｆ               Ｃｏｒｐｏｒａｔｅ               Ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ                Ｈｏｗｄｙ               Ｆｏｌｋｓ,                Ａｔ               ｔｈｅ               ｒｉｓｋ               ｏｆ               ｓｏｕｎｄｉｎｇ               ｌｉｋｅ               ｓｏｍｅｂｏｄｙ               ｗｉｔｈ               ａ               ｃａｕｓｅ               (Ｍｅａ               ｃｕｌｐａ;               ｔｒａｎｓｌａｔｉｏｎ--               Ｙｕｐ,               Ｉ'ｍ               ｂｕｓｔｅｄ!),               Ｉ               ｃａｍｅ               ａｃｒｏｓｓ               ｔｈｉｓ               ｄｉｓｔｕｒｂｉｎｇ               ｓｉｄｅ               ｅｆｆｅｃｔ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｍｅｌｔｄｏｗｎ.                Ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ＵＲＬ               ｔａｋｅｓ               ｙｏｕ               ｔｏ               ａ               ｐｄｆ               ｄｏｃｕｍｅｎｔ               ｔｈａｔ               ｉｓ               63               ｐａｇｅｓ               ｌｏｎｇ. Ｍｕｃｈ               ｏｆ               ｉｔ               ｉｓ               ｒｅｐｅｔｉｔｉｏｎ               ｏｆ               ｄｏｃｕｍｅｎｔｓ               ｓｅｎｔ               ｔｏ               ｃｉｔｉ               ｂｙ               ｔｈｅ               ｇｏｏｄ               ｐｅｏｐｌｅ               ｌｉｓｔｅｄ               ｉｎ               ｔｈｅ               Ｓｕｂｊｅｃｔ:               ｏｆ               ｔｈｉｓ               ｒｅｑｕｅｓｔ               ｆｏｒ               ｙｏｕ               ｔｏ               ｍａｋｅ               ｙｏｕｒ               ｔｈｏｕｇｈｔｓ               ｋｎｏｗｎ               ｔｏ               ｔｈｅ               ＳＥＣ               ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｉｎｄｅｘ.ｈｔｍ               ａｎｄ               ｙｏｕｒ               ｅｌｅｃｔｅｄ               ｏｆｆｉｃｉａｌｓ               ｈｔｔｐ://ｗｗｗ.ｕｓａ.ｇｏｖ/Ｃｏｎｔａｃｔ/Ｅｌｅｃｔｅｄ.ｓｈｔｍｌ. (Ｍｅａ               ｍａｘｉｍａ               ｃｕｌｐａ;               ｔｒａｎｓｌａｔｉｏｎ--Ｙｕｐ,                Ｉ'ｍ               ｓｏ-ｏ-ｏ               ｂｕｓｔｅｄ!)                Ｔｈｅ               ｆｉｒｓｔ               26/63               ｐａｇｅｓ               ａｒｅ               ｔｈｅ               ｒｅｑｕｅｓｔｓ               ｆｏｒ               ｔｈｉｓ               ｔｏ               ｂｅ               ｉｎｃｌｕｄｅｄ               ｉｎ               Ｃｉｔｉ'ｓ               ａｇｅｎｄａ               (ａｎｄ               ｔｈｅｉｒ               ｒｅｓｐｏｎｓｅｓ)               ａｎｄ               ｔｈｅ               ｌａｓｔ               37/63               ｐａｇｅｓ               ａｒｅ               ｔｈｅ               Ｅｕｒｏｄａｄ               ｃｈａｒｔｅｒ,               ｉｔｓｅｌｆ.                ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｒｕｌｅｓ/ｉｃ/2008/ｓｉｓｔｅｒｓｏｆｃｈａｒｉｔｙ121908-14ａ8-ｉｎｃｏｍｉｎｇ.ｐｄｆ                Ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ａｒｅ               ｅｘｃｅｒｐｔｓ               ｆｒｏｍ               ｔｈｅｓｅ               ｃｏｍｍｕｎｉｃａｔｉｏｎｓ. Ｐｅｒｈａｐｓ               ｔｈｅｙ               ｗｉｌｌ               ｃｏｎｖｅｙ               ｔｈｅ               ｓｅｎｓｅ               ｏｆ               ｕｒｇｅｎｃｙ,               ｗｈｉｃｈ               ｐｒｏｍｐｔｅｄ               ｍｅ               ｔｏ               ｓｐｅａｋ               ｏｕｔ,               ｔｏ               ｙｏｕ               ａｓ               ｗｅｌｌ.                "Ｂｙ               ｃｏｐｙ               ｏｆ               ｔｈｉｓ               ｌｅｔｔｅｒ               ａｎｄ               ｔｈｅ               ｅｎｃｌｏｓｅｄ               ｍａｔｅｒｉａｌ,               Ｃｉｔｉｇｒｏｕｐ               Ｉｎｃ. ｉｓ               ｎｏｔｉｆｙｉｎｇ               ｔｈｅ               Ｐｒｏｐｏｎｅｎｔ               ｏｆ               Ｃｉｔｉｇｒｏｕｐ               Ｉｎｃ.'ｓ               ｉｎｔｅｎｔｉｏｎ               ｔｏ               ｏｍｉｔ               ｔｈｅ               Ｐｒｏｐｏｓａｌ               ｆｒｏｍ               ｔｈｅ               Ｐｒｏｘｙ               Ｍａｔｅｒｉａｌｓ. Ｃｉｔｉｇｒｏｕｐ               Ｉｎｃ. ｃｕｒｒｅｎｔｌｙ               ｐｌａｎｓ               ｔｏ               ｆｉｌｅ               ｉｔｓ               ｄｅｆｉｎｉｔｉｖｅ               Ｐｒｏｘｙ               Ｍａｔｅｒｉａｌｓ               ｗｉｔｈ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｏｎ               ｏｒ               ａｂｏｕｔ               Ｍａｒｃｈ               13,               2009.                (ＴＨＥ               ＰＲＯＰＯＳＡＬ               ＭＡＹ               ＢＥ               ＯＭＩＴＴＥＤ               ＵＮＤＥＲ               ＲＵＬＥ               14ａ-8(ｉ)(7)               ＢＥＣＡＵＳＥ               ＩＴ               ＲＥＱＵＥＳＴＳ               ＴＨＡＴ               ＴＨＥ               ＣＯｌ\1ＰＡＮＹ               ＡＤＯＰＴ               ＴＨＥ               ＣＨＡＲＴＥＲ               ＯＮ               ＲＥＳＰＯＮＳＩＢＬＥ               ＦＩＮＡＮＣＩＮＧ               ＷＨＩＣＨ               (ｉ)               ＷＯＵＬＤ               ＤＩＣＴＡＴＥ               ＩＴＳ               ＬＥＮＤＩＮＧ               ＰＲＡＣＴＩＣＥＳ               (ｉｉ)               ＳＥＥＫＳ               ＴＯ               ＧＯＶＥＲＮ               ＩＮＴＥＲＮＡＬ               ＢＵＳＩＮＥＳＳ               ＰＲＡＣＴＩＣＥＳ               ＡＮＤ               (ｉｉｉ)               ＤＩＣＴＡＴＥＳ               ＤＩＳＣＬＯＳＵＲＥ,               ＡＬＬ               ＯＦ               ＷＨＩＣＨ               ＡＲＥ               ＭＡＴＴＥＲＳ               ＴＨＡＴ               ＲＥＬＡＴＥ               ＴＯ               ＴＨＥ               ＣＯｌ\1ＰＡＮＹ'Ｓ               ＯＲＤＩＮＡＲＹ               ＢＵＳＩＮＥＳＳ               ＯＰＥＲＡＴＩＯＮＳ               )               "               ...ｌｉｋｅ               ＴＨＡＴ               ｈａｓ               ｄｏｎｅ               ａ               ｇｒｅａｔ               ｌｏｔ               ｔｏ               ｉｍｐｒｏｖｅ               Ａｍｅｒｉｃａｎｓ'               ｌｉｖｅｓ               ｏｖｅｒ               ｔｈｅ               ｌａｓｔ               20               ｙｅａｒｓ,               ｏｒ               Ａｍｅｒｉｃａ'ｓ               ｐｏｓｉｔｉｏｎ               ｉｎ               ｗｏｒｌｄ               ｏｐｉｎｉｏｎ               ｏｖｅｒ               ｔｈｅ               ｌａｓｔ               10               ｙｅａｒｓ";               Ｄａｎ               Ｋｅｓｔｅｒ               ａ.ｋ.ａ. ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ               ....                Ｐａｒｔ               ｏｆ               Ｃｉｔｉ'ｓ               ｒｅｓｐｏｎｓｅ               ｅｘｐｒｅｓｓｅｓ               ｔｈｅ               ｃａｖａｌｉｅｒ               ａｔｔｉｔｕｄｅ               ｔｈｅｙ               ｈａｖｅ               ｅｘｈｉｂｉｔｅｄ               ｓｉｎｃｅ               ｔｈｅｙ               ｂｅｇａｎ               ｌｏｂｂｙｉｎｇ               ｆｏｒ               Ｔｈｅ               Ｇｒａｍｍ-Ｌｅａｃｈ-Ｂｌｉｌｅｙ               Ｆｉｎａｎｃｉａｌ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               ｏｆ               1999               (ｓｉｇｎｅｄ               ｉｎｔｏ               ｌａｗ               ｉｎ               2000)               ａｎｄ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｆｕｔｕｒｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               (               ｓｉｇｎｅｄ               ｉｎｔｏ               ｌａｗ               ｉｎ               Ｊａｎ.2001               ａｆｔｅｒ               ｂｅｉｎｇ               ｐａｓｓｅｄ               ａｓ               ａｎ               ａｄｄ-ｏｎ               ｔｏ               ｏｔｈｅｒ               ｌｅｇｉｓｌａｔｉｏｎ               ｉｎ               ｔｈｅ               ｌａｓｔ               ｖｏｔｅ               ｏｆ               ｔｈｅ               ｌａｓｔ               ｍｅｅｔｉｎｇ               ｏｆ               ｔｈｅ               ｌａｓｔ               ｓｅｓｓｉｏｎ               ｏｆ               Ｃｏｎｇｒｅｓｓ               ｂｅｆｏｒｅ               Ｗｉｌｌｉａｍ               Ｊ. Ｃｌｉｎｔｏｎ               ｌｅｆｔ               ｏｆｆｉｃｅ.)                Ｏｈ               ｙｅｓ... ｉｔ               ｉｓ               ｒｅａｌ               ｈａｒｄ               ｔｏ               ｆｉｎｄ               ａｎｄ               ｉｔ               ｄｏｅｓ               ｐｒｏｖｉｄｅ               ｅｘｅｍｐｔｉｏｎｓ               ＡＮＤ               ｅｘｃｌｕｓｉｏｎｓ               ｆｒｏｍ               ｏｖｅｒｓｉｇｈｔ               ｂｙ               ｔｈｅ               ＳＥＣ               ａｎｄ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｆｕｔｕｒｅｓ               Ｔｒａｄｉｎｇ               Ｃｏｍｍｉｓｓｉｏｎ               ｗｈｉｃｈ               ｈａｓ               ｐｅｒｍｉｔｔｅｄ               ｔｈｅ               ｂｕｎｄｌｉｎｇ               ｏｆ,               ａｎｄ               ｔｒａｄｉｎｇ               ｏｆ,               ｔｈｅ               ｔｏｘｉｃ               ａｓｓｅｔｓ               ｃａｕｓｉｎｇ               ｏｕｒ               ｃｕｒｒｅｎｔ               ｃｒｉｓｉｓ!                Ｔｈｉｓ               ｉｓ               ｆｒｏｍ               Ｃｉｔｉ'ｓ               ｒｅｓｐｏｎｓｅ               ｔｏ               ｔｈｅ               ＳＥＣ               ｒｅｇａｒｄｉｎｇ               Ｔｈｅ               Ｓｉｓｔｅｒｓ               ｏｆ               Ｃｈａｒｉｔｙ'ｓ               ｐｒｏｐｏｓａｌ:                "Ｕｎｌｉｋｅ               ｒｅｃｅｎｔ               ｙｅａｒｓ,               ｗｈｅｒｅ               ｐｒｏｐｏｓａｌｓ               ｒｅｌａｔｅｄ               ｔｏ               ｔｏｂａｃｃｏ,               ｅｘｅｃｕｔｉｖｅ               ｃｏｍｐｅｎｓａｔｉｏｎ,               ｅｎｖｉｒｏｎｍｅｎｔａｌ               ｐｒｏｔｅｃｔｉｏｎ,               ａｎｄ               ａｆｆｉｒｍａｔｉｖｅ               ａｃｔｉｏｎ               ａｎｄ               ｅｍｐｌｏｙｍｅｎｔ               ｍａｔｔｅｒｓ               ｈａｖｅ               ｂｅｅｎ               ｆｏｕｎｄ               ｔｏ               ｒａｉｓｅ               ｓｉｇｎｉｆｉｃａｎｔ               ｐｏｌｉｃｙ               ｃｏｎｃｅｒｎｓ,               ｔｈｅ               ｓｕｂｊｅｃｔ               ｍａｔｔｅｒ               ｏｆ               ｔｈｅ               Ｐｒｏｐｏｓａｌ               ｈａｓ               ｎｏｔ               ａｔｔｒａｃｔｅｄ               ａ               ｃｏｍｐａｒａｔｉｖｅ               ｌｅｖｅｌ               ｏｆ               ａｔｔｅｎｔｉｏｎ               ｆｒｏｍ               ｔｈｅ               ｍｅｄｉａ,               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｄｅｇｒｅｅ               ｏｆ               ｐｕｂｌｉｃ               ｃｏｎｃｅｒｎ,               ｎｏｒ               ｈａｓ               ｔｈｅｒｅ               ｂｅｅｎ               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｉｎｃｒｅａｓｅ               ｉｎ               ｌｅｇｉｓｌａｔｉｖｅ               ａｎｄ/ｏｒ               ｒｅｇｕｌａｔｏｒｙ               ｉｎｉｔｉａｔｉｖｅｓ               ｕｎｄｅｒｔａｋｅｎ               ｉｎ               ｒｅｌａｔｉｏｎ               ｔｏ               ｔｈｅ               ｉｓｓｕｅ. Ａｇａｉｎ,               ｗｈｉｌｅ               ｔｈｅ               Ｐｒｏｐｏｓａｌ               ｒａｉｓｅｓ               ｎｏｔｅｗｏｒｔｈｙ               ｉｓｓｕｅｓ,               ｉｔ               ｓｉｍｐｌｙ               ｄｏｅｓ               ｎｏｔ               ｒａｉｓｅ               ｓｉｇｎｉｆｉｃａｎｔ               ｐｏｌｉｃｙ               ｃｏｎｃｅｒｎｓ               ｔｈａｔ               ｗａｒｒａｎｔ               ｔｈｅ               Ｓｔａｆｆ               ｏｖｅｒｒｉｄｉｎｇ               ａ               ｍａｔｔｅｒ               ｔｈａｔ               ｉｓ               ｃｌｅａｒｌｙ               ｒｅｌａｔｅｄ               ｔｏ               ｔｈｅ               ｏｒｄｉｎａｒｙ               ｂｕｓｉｎｅｓｓ               ｏｆ               ｔｈｅ               Ｃｏｍｐａｎｙ."                Ｑ:               ＯＫ,               ｃａｎ               ｗｅ               ｇｉｖｅ               ｉｔ               ｓｏｍｅ               ａｔｔｅｎｔｉｏｎ?                Ａ:               Ｙｅｓ...ｗｅ               ｃａｎ!                Ｍａｎｙ               ｏｆ               ｔｈｅｓｅ               ｃｈａｎｇｅｓ               ａｒｅ               ｔｈｅ               ｄｉｒｅｃｔ               ｒｅｓｕｌｔ               ｏｆ               Ｃｉｔｙ,               Ｍｏｒｇａｎ-Ｓｔａｎｌｅｙ,               ＢＯＡ,               Ｇｏｌｄｍａｎ-Ｓａｃｈｓ,               (ｗｈｏ               ｇａｖｅ               ＵＳ               Ｒｏｂｅｒｔ               Ｒｕｂｉｎ,               Ｈｅｎｒｙ               Ｐａｕｌｓｏｎ               ａｎｄ               ｍａｎｙ               ｏｔｈｅｒ               'ｄｅｃｉｓｉｏｎ               ｍａｋｅｒｓ'               ｏｆ               ｄｏｕｂｔｆｕｌ               ｓｉｎｃｅｒｉｔｙ:               ｐｅｒｓｏｎａｌ               ｏｐｉｎｉｏｎ...ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ),               ａｎｄ               ｏｔｈｅｒｓ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｔｈｅ               ＢＡＩＬＯＵＴ!                Ｉ               ｂｅｌｉｅｖｅ               Ａｍｅｒｉｃａ               ｄｏｅｓ               ｎｅｅｄ               ｔｏ               ｓｐｅａｋ               ｏｕｔ               ｔｏ               ｔｈｅ               ＳＥＣ,               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ,               Ｈｏｕｓｅ               ｏｆ               Ｒｅｐｒｅｓｅｎｔａｔｉｖｅｓ,               ａｎｄ               ｔｈｅ               Ｓｅｎａｔｅ               ｏｎ               ｔｈｅ               ｎｅｅｄ               ｆｏｒ               Ｃｉｔｉ               ｔｏ               ｌｅｔ               ｔｈｅｉｒ               ｓｔｏｃｋｈｏｌｄｅｒｓ               ｋｎｏｗ               ｗｈａｔ               ｔｈｅｙ               ｈａｖｅ               ｄｏｎｅ,               ａｎｄ               ｔｈａｔ               "Ｔｈｅ               Ｓｔａｆｆ               "               ｎｅｅｄｓ               ｏｖｅｒｓｉｇｈｔ....ｉｍｍｅｄｉａｔｅｌｙ.                Ｌｅｔ'ｓ               ｌｏｏｋ               ａｔ               ｌｅｇｉｓｌａｔｉｏｎ               ｉｎｔｒｏｄｕｃｅｄ               ｉｎ               1999               (Ｔｈｅ               ｙｅａｒ               ｔｈａｔ               "Ｆｉｎａｎｃｉａｌ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ"               ｂｅｃａｍｅ               ｐｏｐｕｌａｒ.)               Ｃｏｉｎｃｉｄｅｎｔａｌｌｙ,               ｓｏｏｎ               ｅｎｏｕｇｈ               ｔｏ               ｇｅｔ               ｌｅｇｉｓｌａｔｉｏｎ               ｐａｓｓｅｄ,               ａｎｄ               ｓｉｇｎｅｄ               ｉｎｔｏ               ｌａｗ,               ｂｅｆｏｒｅ               ａ               ｎｅｗ               ｐｒｅｓｉｄｅｎｔ               ｗａｓ               ｅｌｅｃｔｅｄ               ａｎｄ               ｓｗｏｒｎ               ｉｎ. Ｊａｎｕａｒｙ               ｏｆ               2001.                Ｔｈｅｓｅ               ｆｉｒｓｔ               ｔｗｏ               ａｒｅ               ｍｙ               ｆａｖｏｒｉｔｅｓ,               ｓｅｌｅｃｔｅｄ               ｗｉｔｈ               20/10               ｈｉｎｄｓｉｇｈｔ,               ａｆｔｅｒ               ｐｅｒｕｓｉｎｇ               100/134               ｐｉｅｃｅｓ               ｏｆ               ｌｅｇｉｓｌａｔｉｏｎ               ｓｕｂｍｉｔｔｅｄ               ｉｎ               1999. Ｇｏｌｄ               ｍｅｄａｌｓ               ａｗａｒｄｅｄ               ｔｏ               ａ               ｍａｎ               ｏｆ               "ｏｕｔｓｔａｎｄｉｎｇ               ａｎｄ               ｅｎｄｕｒｉｎｇ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ               ｔｏ               ｉｎｄｉｖｉｄｕａｌ               ｆｒｅｅｄｏｍ               ａｎｄ               ｏｐｐｏｒｔｕｎｉｔｙ               ｉｎ               Ａｍｅｒｉｃａｎ               ｓｏｃｉｅｔｙ               ｔｈｒｏｕｇｈ               ｈｉｓ               ｅｘｈａｕｓｔｉｖｅ               ｒｅｓｅａｒｃｈ               ａｎｄ               ｔｅａｃｈｉｎｇ               ｏｆ               ｅｃｏｎｏｍｉｃｓ,               ａｎｄ               ｈｉｓ               ｅｘｔｅｎｓｉｖｅ               ｗｒｉｔｉｎｇｓ               ｏｎ               ｅｃｏｎｏｍｉｃｓ               ａｎｄ               ｐｕｂｌｉｃ               ｐｏｌｉｃｙ"               ... ａｎｄ               ｔｏ               ｔｈｅ               ｇｅｎｔｌｅｍａｎ               ｗｈｏ               ｔａｕｇｈｔ               ａｌｌ               ｏｆ               ｕｓ               ｔｈｅｒｅ               ｉｓ               ａ               ｌｉｔｔｌｅ               ｏｆ               "Ｃｈａｒｌｉｅ               Ｂｒｏｗｎ"               ｅｖｅｒｙｗｈｅｒｅ               ｙｏｕ               ｌｏｏｋ! (;-)                               (Ｋｅｅｐ               ｔｈｅｓｅ               ｔｗｏ               ｉｎ               ｍｉｎｄ               ａｓ               ｗｅ               ｂｅｇｉｎ               ｏｕｒ               ｊｏｕｒｎｅｙ               ｔｈｒｏｕｇｈ               1999               ａｎｄ               ｔｅｌｌ               ｍｅ               ｌａｔｅｒ               ｉｆ               (ａ)               ｔｈｉｓ               ｉｓ               ｒｅａｌｌｙ               ｉｒｏｎｉｃ               (ｂ)               Ｂｉｌｌ               Ｃｌｉｎｔｏｎ               ｗａｓ               ｓｈｏｗｉｎｇ               ｏｆｆ               (ｃ)               ｔｈｅ               105ｔｈ               Ｃｏｎｇｒｅｓｓ               ａｃｃｉｄｅｎｔａｌｌｙ               ｄｉｄ               ｓｏｍｅｔｈｉｎｇ               ｔｈａｔ               ｄｉｄ               ｎｏｔ               ｈｕｒｔ               Ａｍｅｒｉｃａ               (ｄ)               ａｌｌ               ｏｆ               ｔｈｅ               ａｂｏｖｅ               ,               ｏｒ               (ｅ)               ｙｏｕ               ｓｅｅ               ｓｏｍｅ               ｓｏｒｔ               ｏｆ               ｐａｔｔｅｒｎ               ｈｅｒｅ               ｔｈａｔ               ｍｉｇｈｔ               ｓｕｇｇｅｓｔ               ｃｏｌｌｕｓｉｏｎ.                [               88.Ｓ.1971               :               Ａ               ｂｉｌｌ               ｔｏ               ａｕｔｈｏｒｉｚｅ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ               ｔｏ               ａｗａｒｄ               ａ               ｇｏｌｄ               ｍｅｄａｌ               ｏｎ               ｂｅｈａｌｆ               ｏｆ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ               ｔｏ               Ｍｉｌｔｏｎ               Ｆｒｉｅｄｍａｎ,               ｉｎ               ｒｅｃｏｇｎｉｔｉｏｎ               ｏｆ               ｈｉｓ               ｏｕｔｓｔａｎｄｉｎｇ               ａｎｄ               ｅｎｄｕｒｉｎｇ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ               ｔｏ               ｉｎｄｉｖｉｄｕａｌ               ｆｒｅｅｄｏｍ               ａｎｄ               ｏｐｐｏｒｔｕｎｉｔｙ               ｉｎ               Ａｍｅｒｉｃａｎ               ｓｏｃｉｅｔｙ               ｔｈｒｏｕｇｈ               ｈｉｓ               ｅｘｈａｕｓｔｉｖｅ               ｒｅｓｅａｒｃｈ               ａｎｄ               ｔｅａｃｈｉｎｇ               ｏｆ               ｅｃｏｎｏｍｉｃｓ,               ａｎｄ               ｈｉｓ               ｅｘｔｅｎｓｉｖｅ               ｗｒｉｔｉｎｇｓ               ｏｎ               ｅｃｏｎｏｍｉｃｓ               ａｎｄ               ｐｕｂｌｉｃ               ｐｏｌｉｃｙ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｇｒａｍｍ,               Ｐｈｉｌ               [ＴＸ]               (ｉｎｔｒｏｄｕｃｅｄ               11/19/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (69)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ;               Ｈｏｕｓｅ               Ｂａｎｋｉｎｇ               ａｎｄ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               2/18/2000               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｈｏｕｓｅ               ｓｕｂｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｓｕｂｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｄｏｍｅｓｔｉｃ               ａｎｄ               Ｉｎｔｅｒｎａｔｉｏｎａｌ               Ｍｏｎｅｔａｒｙ               Ｐｏｌｉｃｙ.                89.Ｓ.2060               :               Ａ               ｂｉｌｌ               ｔｏ               ａｕｔｈｏｒｉｚｅ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ               ｔｏ               ａｗａｒｄ               ａ               ｇｏｌｄ               ｍｅｄａｌ               ｏｎ               ｂｅｈａｌｆ               ｏｆ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ               ｔｏ               Ｃｈａｒｌｅｓ               Ｍ. Ｓｃｈｕｌｚ               ｉｎ               ｒｅｃｏｇｎｉｔｉｏｎ               ｏｆ               ｈｉｓ               ｌａｓｔｉｎｇ               ａｒｔｉｓｔｉｃ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ               ｔｏ               ｔｈｅ               Ｎａｔｉｏｎ               ａｎｄ               ｔｈｅ               ｗｏｒｌｄ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｆｅｉｎｓｔｅｉｎ,               Ｄｉａｎｎｅ               [ＣＡ]               (ｉｎｔｒｏｄｕｃｅｄ               2/10/2000)               Ｃｏｓｐｏｎｓｏｒｓ               (77)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               2/10/2000               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ. ]                Ｔｈｅｓｅ               Ｂｉｌｌｓ               ａｌｓｏ               ｗｅｒｅ               ｉｎｔｒｏｄｕｃｅｄ               ｉｎ               1999. Ｐｌｅａｓｅ               ｎｏｔｅ               ｗｈｏ               ｔｈｅ               ｓｐｏｎｓｏｒｅｄ               ｔｈｅｓｅ               Ｂｉｌｌｓ...                7.Ｈ.Ｒ.1094               :               Ｔｏ               ａｍｅｎｄ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ａｃｔ               ｔｏ               ｂｒｏａｄｅｎ               ｔｈｅ               ｒａｎｇｅ               ｏｆ               ｄｉｓｃｏｕｎｔ               ｗｉｎｄｏｗ               ｌｏａｎｓ               ｗｈｉｃｈ               ｍａｙ               ｂｅ               ｕｓｅｄ               ａｓ               ｃｏｌｌａｔｅｒａｌ               ｆｏｒ               Ｆｅｄｅｒａｌ               ｒｅｓｅｒｖｅ               ｎｏｔｅｓ.                Ｓｐｏｎｓｏｒ:Ｒｅｐ               Ｌｅａｃｈ,               Ｊａｍｅｓ               Ａ. [ＩＡ-1]               (ｉｎｔｒｏｄｕｃｅｄ               3/11/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (3)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｈｏｕｓｅ               Ｂａｎｋｉｎｇ               ａｎｄ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ;               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               Ｂｅｃａｍｅ               Ｐｕｂｌｉｃ               Ｌａｗ               Ｎｏ:               106-122               [ＧＰＯ:Ｔｅｘｔ,               ＰＤＦ]                8.Ｈ.Ｒ.1400               :               Ｔｏ               ａｍｅｎｄ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ｅｘｃｈａｎｇｅ               Ａｃｔ               ｏｆ               1934               ｔｏ               ｉｍｐｒｏｖｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｎｄ               ｄｉｓｓｅｍｉｎａｔｉｏｎ               ｏｆ               ｉｎｆｏｒｍａｔｉｏｎ               ｃｏｎｃｅｒｎｉｎｇ               ｂｏｎｄ               ｐｒｉｃｅｓ               ａｎｄ               ｔｏ               ｉｍｐｒｏｖｅ               ｐｒｉｃｅ               ｃｏｍｐｅｔｉｔｉｏｎ               ｉｎ               ｂｏｎｄ               ｍａｒｋｅｔｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｒｅｐ               Ｂｌｉｌｅｙ,               Ｔｏｍ               [ＶＡ-7]               (ｉｎｔｒｏｄｕｃｅｄ               4/14/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (27)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｈｏｕｓｅ               Ｃｏｍｍｅｒｃｅ;               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｈｏｕｓｅ               Ｒｅｐｏｒｔｓ:               106-149                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               6/15/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅｃｅｉｖｅｄ               ｉｎ               ｔｈｅ               Ｓｅｎａｔｅ               ａｎｄ               ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                ________________________________________________________________________                11.Ｈ.Ｒ.2565               :               Ｔｏ               ｃｌａｒｉｆｙ               ｔｈｅ               ｑｕｏｒｕｍ               ｒｅｑｕｉｒｅｍｅｎｔ               ｆｏｒ               ｔｈｅ               Ｂｏａｒｄ               ｏｆ               Ｄｉｒｅｃｔｏｒｓ               ｏｆ               ｔｈｅ               Ｅｘｐｏｒｔ-Ｉｍｐｏｒｔ               Ｂａｎｋ               ｏｆ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ.                Ｓｐｏｎｓｏｒ:Ｒｅｐ               Ｌｅａｃｈ,               Ｊａｍｅｓ               Ａ. [ＩＡ-1]               (ｉｎｔｒｏｄｕｃｅｄ               7/20/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (3)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｈｏｕｓｅ               Ｂａｎｋｉｎｇ               ａｎｄ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ;               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               Ｂｅｃａｍｅ               Ｐｕｂｌｉｃ               Ｌａｗ               Ｎｏ:               106-46               [ＧＰＯ:Ｔｅｘｔ,               ＰＤＦ]                ________________________________________________________________________                26.Ｓ.187               :               Ａ               ｂｉｌｌ               ｔｏ               ｇｉｖｅ               ｃｕｓｔｏｍｅｒｓ               ｎｏｔｉｃｅ               ａｎｄ               ｃｈｏｉｃｅ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅｉｒ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｓｈａｒｅ               ｏｒ               ｓｅｌｌ               ｔｈｅｉｒ               ｐｅｒｓｏｎａｌｌｙ               ｉｄｅｎｔｉｆｉａｂｌｅ               ｓｅｎｓｉｔｉｖｅ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓａｒｂａｎｅｓ,               Ｐａｕｌ               Ｓ. [ＭＤ]               (ｉｎｔｒｏｄｕｃｅｄ               1/19/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (7)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               6/9/1999               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ/ｓｕｂｃｏｍｍｉｔｔｅｅ               ａｃｔｉｏｎｓ. Ｓｔａｔｕｓ:               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ. Ｈｅａｒｉｎｇｓ               ｈｅｌｄ.                46.Ｓ.576               :               Ａｎ               ｏｒｉｇｉｎａｌ               ｂｉｌｌ               ｔｏ               ｐｒｏｖｉｄｅ               ｆｏｒ               ｉｍｐｒｏｖｅｄ               ｍｏｎｅｔａｒｙ               ｐｏｌｉｃｙ               ａｎｄ               ｒｅｇｕｌａｔｏｒｙ               ｒｅｆｏｒｍ               ｉｎ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎ               ｍａｎａｇｅｍｅｎｔ               ａｎｄ               ａｃｔｉｖｉｔｉｅｓ,               ｔｏ               ｓｔｒｅａｍｌｉｎｅ               ｆｉｎａｎｃｉａｌ               ｒｅｇｕｌａｔｏｒｙ               ａｇｅｎｃｙ               ａｃｔｉｏｎｓ,               ｔｏ               ｐｒｏｖｉｄｅ               ｆｏｒ               ｉｍｐｒｏｖｅｄ               ｃｏｎｓｕｍｅｒ               ｃｒｅｄｉｔ               ｄｉｓｃｌｏｓｕｒｅ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｇｒａｍｍ,               Ｐｈｉｌ               [ＴＸ]               (ｉｎｔｒｏｄｕｃｅｄ               3/10/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (Ｎｏｎｅ)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｓｅｎａｔｅ               Ｒｅｐｏｒｔｓ:               106-11                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               3/10/1999               Ｐｌａｃｅｄ               ｏｎ               Ｓｅｎａｔｅ               Ｌｅｇｉｓｌａｔｉｖｅ               Ｃａｌｅｎｄａｒ               ｕｎｄｅｒ               Ｇｅｎｅｒａｌ               Ｏｒｄｅｒｓ. Ｃａｌｅｎｄａｒ               Ｎｏ. 35.                49.Ｓ.753               :               Ａ               ｂｉｌｌ               ｔｏ               ｅｎｈａｎｃｅ               ｃｏｍｐｅｔｉｔｉｏｎ               ｉｎ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｅｒｖｉｃｅｓ               ｉｎｄｕｓｔｒｙ               ｂｙ               ｐｒｏｖｉｄｉｎｇ               ａ               ｐｒｕｄｅｎｔｉａｌ               ｆｒａｍｅｗｏｒｋ               ｆｏｒ               ｔｈｅ               ａｆｆｉｌｉａｔｉｏｎ               ｏｆ               ｂａｎｋｓ,               ｓｅｃｕｒｉｔｉｅｓ               ｆｉｒｍｓ,               ａｎｄ               ｏｔｈｅｒ               ｆｉｎａｎｃｉａｌ               ｓｅｒｖｉｃｅ               ｐｒｏｖｉｄｅｒｓ;               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｄａｓｃｈｌｅ,               Ｔｈｏｍａｓ               Ａ. [ＳＤ]               (ｉｎｔｒｏｄｕｃｅｄ               3/25/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (9)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               3/25/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                55. Ｓ.900               :               Ａｎ               Ａｃｔ               ｔｏ               ｅｎｈａｎｃｅ               ｃｏｍｐｅｔｉｔｉｏｎ               ｉｎ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｅｒｖｉｃｅｓ               ｉｎｄｕｓｔｒｙ               ｂｙ               ｐｒｏｖｉｄｉｎｇ               ａ               ｐｒｕｄｅｎｔｉａｌ               ｆｒａｍｅｗｏｒｋ               ｆｏｒ               ｔｈｅ               ａｆｆｉｌｉａｔｉｏｎ               ｏｆ               ｂａｎｋｓ,               ｓｅｃｕｒｉｔｉｅｓ               ｆｉｒｍｓ,               ａｎｄ               ｏｔｈｅｒ               ｆｉｎａｎｃｉａｌ               ｓｅｒｖｉｃｅ               ｐｒｏｖｉｄｅｒｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:               Ｓｅｎ               Ｇｒａｍｍ,               Ｐｈｉｌ               [ＴＸ]               (ｉｎｔｒｏｄｕｃｅｄ               4/28/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (Ｎｏｎｅ)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ;               Ｈｏｕｓｅ               Ｊｕｄｉｃｉａｒｙ                               Ｓｅｎａｔｅ               Ｒｅｐｏｒｔｓ:               106-44;               Ｌａｔｅｓｔ               Ｃｏｎｆｅｒｅｎｃｅ               Ｒｅｐｏｒｔ:               106-434               (ｉｎ               Ｃｏｎｇｒｅｓｓｉｏｎａｌ               Ｒｅｃｏｒｄ               Ｈ11255-11292)                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               Ｂｅｃａｍｅ               Ｐｕｂｌｉｃ               Ｌａｗ               Ｎｏ:               106-102               [ＧＰＯ:               Ｔｅｘｔ,               ＰＤＦ]                57.Ｓ.921               :               Ａ               ｂｉｌｌ               ｔｏ               ｆａｃｉｌｉｔａｔｅ               ａｎｄ               ｐｒｏｍｏｔｅ               ｅｌｅｃｔｒｏｎｉｃ               ｃｏｍｍｅｒｃｅ               ｉｎ               ｓｅｃｕｒｉｔｉｅｓ               ｔｒａｎｓａｃｔｉｏｎｓ               ｉｎｖｏｌｖｉｎｇ               ｂｒｏｋｅｒ-ｄｅａｌｅｒｓ,               ｔｒａｎｓｆｅｒ               ａｇｅｎｔｓ               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔ               ａｄｖｉｓｅｒｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ａｂｒａｈａｍ,               Ｓｐｅｎｃｅｒ               [ＭＩ]               (ｉｎｔｒｏｄｕｃｅｄ               4/29/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (4)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               4/29/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                58.Ｓ.958               :               Ａ               ｂｉｌｌ               ｔｏ               ａｍｅｎｄ               ｃｅｒｔａｉｎ               ｂａｎｋｉｎｇ               ａｎｄ               ｓｅｃｕｒｉｔｉｅｓ               ｌａｗｓ               ｗｉｔｈ               ｒｅｓｐｅｃｔ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｃｏｎｔｒａｃｔｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｂｅｎｎｅｔｔ,               Ｒｏｂｅｒｔ               Ｆ. [ＵＴ]               (ｉｎｔｒｏｄｕｃｅｄ               5/4/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (Ｎｏｎｅ)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               5/5/1999               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ/ｓｕｂｃｏｍｍｉｔｔｅｅ               ａｃｔｉｏｎｓ. Ｓｔａｔｕｓ:               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ               Ｓｕｂｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｆｉｎａｎｃｉａｌ               Ｉｎｓｔｉｔｕｔｉｏｎｓ. Ｈｅａｒｉｎｇｓ               ｈｅｌｄ. Ｗｉｔｈ               ｐｒｉｎｔｅｄ               Ｈｅａｒｉｎｇ:               Ｓ.Ｈｒｇ. 106-483.                59.Ｓ.1015               :               Ａ               ｂｉｌｌ               ｔｏ               ｒｅｑｕｉｒｅ               ｄｉｓｃｌｏｓｕｒｅ               ｗｉｔｈ               ｒｅｓｐｅｃｔ               ｔｏ               ｓｅｃｕｒｉｔｉｅｓ               ｔｒａｎｓａｃｔｉｏｎｓ               ｃｏｎｄｕｃｔｅｄ               "ｏｎｌｉｎｅ",               ｔｏ               ｒｅｑｕｉｒｅ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｔｏ               ｓｔｕｄｙ               ｔｈｅ               ｅｆｆｅｃｔｓ               ｏｆ               ｏｎｌｉｎｅ               ｔｒａｄｉｎｇ               ｏｎ               ｓｅｃｕｒｉｔｉｅｓ               ｍａｒｋｅｔｓ,               ｔｏ               ｐｒｅｖｅｎｔ               ｏｎｌｉｎｅ               ｓｅｃｕｒｉｔｉｅｓ               ｆｒａｕｄ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓｃｈｕｍｅｒ,               Ｃｈａｒｌｅｓ               Ｅ. [ＮＹ]               (ｉｎｔｒｏｄｕｃｅｄ               5/12/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (3)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               5/12/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                ________________________________________________________________________                62.Ｓ.1189               :               Ａ               ｂｉｌｌ               ｔｏ               ａｌｌｏｗ               Ｆｅｄｅｒａｌ               ｓｅｃｕｒｉｔｉｅｓ               ｅｎｆｏｒｃｅｍｅｎｔ               ａｃｔｉｏｎｓ               ｔｏ               ｂｅ               ｐｒｅｄｉｃａｔｅｄ               ｏｎ               Ｓｔａｔｅ               ｓｅｃｕｒｉｔｉｅｓ               ｅｎｆｏｒｃｅｍｅｎｔ               ａｃｔｉｏｎｓ,               ｔｏ               ｐｒｅｖｅｎｔ               ｍｉｇｒａｔｉｏｎ               ｏｆ               ｒｏｇｕｅ               ｓｅｃｕｒｉｔｉｅｓ               ｂｒｏｋｅｒｓ               ｂｅｔｗｅｅｎ               ａｎｄ               ａｍｏｎｇ               ｆｉｎａｎｃｉａｌ               ｓｅｒｖｉｃｅｓ               ｉｎｄｕｓｔｒｉｅｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｃｏｌｌｉｎｓ,               Ｓｕｓａｎ               Ｍ. [ＭＥ]               (ｉｎｔｒｏｄｕｃｅｄ               6/9/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (3)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               6/9/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                63.Ｓ.1195               :               Ａ               ｂｉｌｌ               ｔｏ               ｇｉｖｅ               ｃｕｓｔｏｍｅｒｓ               ｎｏｔｉｃｅ               ａｎｄ               ｃｈｏｉｃｅ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅｉｒ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｓｈａｒｅ               ｏｒ               ｓｅｌｌ               ｔｈｅｉｒ               ｐｅｒｓｏｎａｌｌｙ               ｉｄｅｎｔｉｆｉａｂｌｅ               ｓｅｎｓｉｔｉｖｅ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓｃｈｕｍｅｒ,               Ｃｈａｒｌｅｓ               Ｅ. [ＮＹ]               (ｉｎｔｒｏｄｕｃｅｄ               6/9/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (1)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               6/9/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                76.Ｓ.1565               :               Ａ               ｂｉｌｌ               ｔｏ               ｌｉｃｅｎｓｅ               Ａｍｅｒｉｃａ'ｓ               Ｐｒｉｖａｔｅ               Ｉｎｖｅｓｔｍｅｎｔ               Ｃｏｍｐａｎｉｅｓ               ａｎｄ               ｐｒｏｖｉｄｅ               ｅｎｈａｎｃｅｄ               ｃｒｅｄｉｔ               ｔｏ               ｓｔｉｍｕｌａｔｅ               ｐｒｉｖａｔｅ               ｉｎｖｅｓｔｍｅｎｔ               ｉｎ               ｌｏｗ-ｉｎｃｏｍｅ               ｃｏｍｍｕｎｉｔｉｅｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓａｒｂａｎｅｓ,               Ｐａｕｌ               Ｓ. [ＭＤ]               (ｉｎｔｒｏｄｕｃｅｄ               8/5/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (5)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               8/5/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                77.Ｓ.1663               :               Ａ               ｂｉｌｌ               ｔｏ               ｃｏｍｂａｔ               ｍｏｎｅｙ               ｌａｕｎｄｅｒｉｎｇ               ａｎｄ               ｐｒｏｔｅｃｔ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｆｉｎａｎｃｉａｌ               ｓｙｓｔｅｍ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓｃｈｕｍｅｒ,               Ｃｈａｒｌｅｓ               Ｅ. [ＮＹ]               (ｉｎｔｒｏｄｕｃｅｄ               9/29/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (1)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               9/29/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                80.Ｓ.1712               :               Ａｎ               ｏｒｉｇｉｎａｌ               ｂｉｌｌ               ｔｏ               ｐｒｏｖｉｄｅ               ａｕｔｈｏｒｉｔｙ               ｔｏ               ｃｏｎｔｒｏｌ               ｅｘｐｏｒｔｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｇｒａｍｍ,               Ｐｈｉｌ               [ＴＸ]               (ｉｎｔｒｏｄｕｃｅｄ               10/8/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (Ｎｏｎｅ)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ;               Ｓｅｎａｔｅ               Ｃｏｍｍｅｒｃｅ,               Ｓｃｉｅｎｃｅ,               ａｎｄ               Ｔｒａｎｓｐｏｒｔａｔｉｏｎ                               Ｓｅｎａｔｅ               Ｒｅｐｏｒｔｓ:               106-180                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               4/4/2000               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ/ｓｕｂｃｏｍｍｉｔｔｅｅ               ａｃｔｉｏｎｓ. Ｓｔａｔｕｓ:               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｃｏｍｍｅｒｃｅ,               Ｓｃｉｅｎｃｅ,               ａｎｄ               Ｔｒａｎｓｐｏｒｔａｔｉｏｎ. Ｈｅａｒｉｎｇｓ               ｈｅｌｄ. Ｈｅａｒｉｎｇｓ               ｐｒｉｎｔｅｄ:               Ｓ.Ｈｒｇ. 106-1104.                82.Ｓ.1872               :               Ａ               ｂｉｌｌ               ｔｏ               ａｍｅｎｄ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｃｒｅｄｉｔ               Ｕｎｉｏｎ               Ａｃｔ               ｗｉｔｈ               ｒｅｓｐｅｃｔ               ｔｏ               ｔｈｅ               ｄｅｆｉｎｉｔｉｏｎ               ｏｆ               ａ               ｍｅｍｂｅｒ               ｂｕｓｉｎｅｓｓ               ｌｏａｎ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓｅｓｓｉｏｎｓ,               ＪｅｆｆＣｏｓｐｏｎｓｏｒｓ               (1)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               11/5/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ.                83.Ｓ.1879               :               Ａ               ｂｉｌｌ               ｔｏ               ｐｒｏｍｏｔｅ               ｉｎｔｅｒｎａｔｉｏｎａｌ               ｍｏｎｅｔａｒｙ               ｓｔａｂｉｌｉｔｙ               ａｎｄ               ｔｏ               ｓｈａｒｅ               ｓｅｉｇｎｉｏｒａｇｅ               ｗｉｔｈ               ｏｆｆｉｃｉａｌｌｙ               ｄｏｌｌａｒｉｚｅｄ               ｃｏｕｎｔｒｉｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｍａｃｋ,               Ｃｏｎｎｉｅ,               ＩＩＩ               [ＦＬ]               (ｉｎｔｒｏｄｕｃｅｄ               11/8/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (Ｎｏｎｅ)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               2/8/2000               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ/ｓｕｂｃｏｍｍｉｔｔｅｅ               ａｃｔｉｏｎｓ. Ｓｔａｔｕｓ:               Ｓｕｂｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｅｃｏｎｏｍｉｃ               Ｐｏｌｉｃｙ. Ｈｅａｒｉｎｇｓ               ｈｅｌｄ. Ｗｉｔｈ               ｐｒｉｎｔｅｄ               Ｈｅａｒｉｎｇ:               Ｓ.Ｈｒｇ. 106-508. 84.Ｓ.1903               :               Ａ               ｂｉｌｌ               ｔｏ               ａｍｅｎｄ               ｔｈｅ               ｐｒｉｖａｃｙ               ｐｒｏｖｉｓｉｏｎｓ               ｏｆ               ｔｈｅ               Ｇｒａｍｍ-Ｌｅａｃｈ-Ｂｌｉｌｅｙ               Ａｃｔ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓｈｅｌｂｙ,               Ｒｉｃｈａｒｄ               Ｃ.Ｃｏｓｐｏｎｓｏｒｓ               (1)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               11/10/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ. 85.Ｓ.1920               :               Ａ               ｂｉｌｌ               ｔｏ               ｃｏｍｂａｔ               ｍｏｎｅｙ               ｌａｕｎｄｅｒｉｎｇ               ａｎｄ               ｐｒｏｔｅｃｔ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｆｉｎａｎｃｉａｌ               ｓｙｓｔｅｍ               ｂｙ               ａｄｄｒｅｓｓｉｎｇ               ｔｈｅ               ｖｕｌｎｅｒａｂｉｌｉｔｉｅｓ               ｏｆ               ｐｒｉｖａｔｅ               ｂａｎｋｉｎｇ               ｔｏ               ｍｏｎｅｙ               ｌａｕｎｄｅｒｉｎｇ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｌｅｖｉｎ,               Ｃａｒｌ               [ＭＩ]               (ｉｎｔｒｏｄｕｃｅｄ               11/10/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (1)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               11/10/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ. 86.Ｓ.1924               :               Ａ               ｂｉｌｌ               ｔｏ               ｅｎｓｕｒｅ               ｐｅｒｓｏｎａｌ               ｐｒｉｖａｃｙ               ｗｉｔｈ               ｒｅｓｐｅｃｔ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ,               ｔｏ               ｐｒｏｖｉｄｅ               ｃｕｓｔｏｍｅｒｓ               ｎｏｔｉｃｅ               ａｎｄ               ｃｈｏｉｃｅ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅｉｒ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｓｈａｒｅ               ｏｒ               ｓｅｌｌ               ｔｈｅｉｒ               ｐｅｒｓｏｎａｌｌｙ               ｉｄｅｎｔｉｆｉａｂｌｅ               ｓｅｎｓｉｔｉｖｅ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ,               ｔｏ               ｐｒｏｖｉｄｅ               ｆｏｒ               ｓｔｒｏｎｇ               ｅｎｆｏｒｃｅｍｅｎｔ               ｏｆ               ｔｈｅｓｅ               ｒｉｇｈｔｓ,               ａｎｄ               ｔｏ               ｐｒｏｔｅｃｔ               Ｓｔａｔｅｓ'               ｒｉｇｈｔｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｌｅａｈｙ,               Ｐａｔｒｉｃｋ               Ｊ. [ＶＴ]               (ｉｎｔｒｏｄｕｃｅｄ               11/16/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (7)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               11/16/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ. 87.Ｓ.1968               :               Ａ               ｂｉｌｌ               ｔｏ               ａｍｅｎｄ               ｔｈｅ               Ｆｅｄｅｒａｌ               ｓｅｃｕｒｉｔｉｅｓ               ｌａｗｓ               ｔｏ               ｅｎｈａｎｃｅ               ｏｖｅｒｓｉｇｈｔ               ｏｖｅｒ               ｃｅｒｔａｉｎ               ｄｅｒｉｖａｔｉｖｅｓ               ｄｅａｌｅｒｓ               ａｎｄ               ｈｅｄｇｅ               ｆｕｎｄｓ,               ｒｅｄｕｃｅ               ｔｈｅ               ｐｏｔｅｎｔｉａｌ               ｆｏｒ               ｓｕｃｈ               ｅｎｔｉｔｉｅｓ               ｔｏ               ｉｎｃｒｅａｓｅ               ｓｙｓｔｅｍｉｃ               ｒｉｓｋ               ｉｎ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｍａｒｋｅｔｓ,               ｅｎｈａｎｃｅ               ｉｎｖｅｓｔｏｒ               ｐｒｏｔｅｃｔｉｏｎｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｄｏｒｇａｎ,               Ｂｙｒｏｎ               Ｌ. [ＮＤ]               (ｉｎｔｒｏｄｕｃｅｄ               11/18/1999)               Ｃｏｓｐｏｎｓｏｒｓ               (Ｎｏｎｅ)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               11/18/1999               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ. 92.Ｓ.2097               :               Ａ               ｂｉｌｌ               ｔｏ               ａｕｔｈｏｒｉｚｅ               ｌｏａｎ               ｇｕａｒａｎｔｅｅｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｆａｃｉｌｉｔａｔｅ               ａｃｃｅｓｓ               ｔｏ               ｌｏｃａｌ               ｔｅｌｅｖｉｓｉｏｎ               ｂｒｏａｄｃａｓｔ               ｓｉｇｎａｌｓ               ｉｎ               ｕｎｓｅｒｖｅｄ               ａｎｄ               ｕｎｄｅｒｓｅｒｖｅｄ               ａｒｅａｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｂｕｒｎｓ,               Ｃｏｎｒａｄ               Ｒ. [ＭＴ]               (ｉｎｔｒｏｄｕｃｅｄ               2/24/2000)               Ｃｏｓｐｏｎｓｏｒｓ               (20)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｓｅｎａｔｅ               Ｒｅｐｏｒｔｓ:               106-243                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               4/3/2000               Ｈｅｌｄ               ａｔ               ｔｈｅ               ｄｅｓｋ. 93.Ｓ.2101               :               Ａ               ｂｉｌｌ               ｔｏ               ｐｒｏｍｏｔｅ               ｉｎｔｅｒｎａｔｉｏｎａｌ               ｍｏｎｅｔａｒｙ               ｓｔａｂｉｌｉｔｙ               ａｎｄ               ｔｏ               ｓｈａｒｅ               ｓｅｉｇｎｉｏｒａｇｅ               ｗｉｔｈ               ｏｆｆｉｃｉａｌｌｙ               ｄｏｌｌａｒｉｚｅｄ               ｃｏｕｎｔｒｉｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｍａｃｋ,               Ｃｏｎｎｉｅ,               ＩＩＩ               [ＦＬ]               (ｉｎｔｒｏｄｕｃｅｄ               2/24/2000)               Ｃｏｓｐｏｎｓｏｒｓ               (1)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｓｅｎａｔｅ               Ｒｅｐｏｒｔｓ:               106-354                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               7/24/2000               Ｐｌａｃｅｄ               ｏｎ               Ｓｅｎａｔｅ               Ｌｅｇｉｓｌａｔｉｖｅ               Ｃａｌｅｎｄａｒ               ｕｎｄｅｒ               Ｇｅｎｅｒａｌ               Ｏｒｄｅｒｓ. Ｃａｌｅｎｄａｒ               Ｎｏ. 705. 94.Ｓ.2107               :               Ａ               ｂｉｌｌ               ｔｏ               ａｍｅｎｄ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ａｃｔ               ｏｆ               1933               ａｎｄ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ｅｘｃｈａｎｇｅ               Ａｃｔ               ｏｆ               1934               ｔｏ               ｒｅｄｕｃｅ               ｓｅｃｕｒｉｔｉｅｓ               ｆｅｅｓ               ｉｎ               ｅｘｃｅｓｓ               ｏｆ               ｔｈｏｓｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｆｕｎｄ               ｔｈｅ               ｏｐｅｒａｔｉｏｎｓ               ｏｆ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ,               ｔｏ               ａｄｊｕｓｔ               ｃｏｍｐｅｎｓａｔｉｏｎ               ｐｒｏｖｉｓｉｏｎｓ               ｆｏｒ               ｅｍｐｌｏｙｅｅｓ               ｏｆ               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｇｒａｍｍ,               Ｐｈｉｌ               [ＴＸ]               (ｉｎｔｒｏｄｕｃｅｄ               2/28/2000)               Ｃｏｓｐｏｎｓｏｒｓ               (13)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｓｅｎａｔｅ               Ｒｅｐｏｒｔｓ:               106-360                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               7/25/2000               Ｐｌａｃｅｄ               ｏｎ               Ｓｅｎａｔｅ               Ｌｅｇｉｓｌａｔｉｖｅ               Ｃａｌｅｎｄａｒ               ｕｎｄｅｒ               Ｇｅｎｅｒａｌ               Ｏｒｄｅｒｓ. Ｃａｌｅｎｄａｒ               Ｎｏ. 712. 99.Ｓ.2293               :               Ａ               ｂｉｌｌ               ｔｏ               ａｍｅｎｄ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｄｅｐｏｓｉｔ               Ｉｎｓｕｒａｎｃｅ               Ａｃｔ               ａｎｄ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｈｏｍｅ               Ｌｏａｎ               Ｂａｎｋ               Ａｃｔ               ｔｏ               ｐｒｏｖｉｄｅ               ｆｏｒ               ｔｈｅ               ｐａｙｍｅｎｔ               ｏｆ               Ｆｉｎａｎｃｉｎｇ               Ｃｏｒｐｏｒａｔｉｏｎ               ｉｎｔｅｒｅｓｔ               ｏｂｌｉｇａｔｉｏｎｓ               ｆｒｏｍ               ｂａｌａｎｃｅｓ               ｉｎ               ｔｈｅ               ｄｅｐｏｓｉｔ               ｉｎｓｕｒａｎｃｅ               ｆｕｎｄｓ               ｉｎ               ｅｘｃｅｓｓ               ｏｆ               ａｎ               ｅｓｔａｂｌｉｓｈｅｄ               ｒａｔｉｏ               ａｎｄ,               ａｆｔｅｒ               ｓｕｃｈ               ｏｂｌｉｇａｔｉｏｎｓ               ａｒｅ               ｓａｔｉｓｆｉｅｄ,               ｔｏ               ｐｒｏｖｉｄｅ               ｆｏｒ               ｒｅｂａｔｅｓ               ｔｏ               ｉｎｓｕｒｅｄ               ｄｅｐｏｓｉｔｏｒｙ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｏｆ               ｓｕｃｈ               ｅｘｃｅｓｓ               ｒｅｓｅｒｖｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｓａｎｔｏｒｕｍ,               Ｒｉｃｋ               [ＰＡ]               (ｉｎｔｒｏｄｕｃｅｄ               3/27/2000)               Ｃｏｓｐｏｎｓｏｒｓ               (18)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               3/27/2000               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ. 100.Ｓ.2328               :               Ａ               ｂｉｌｌ               ｔｏ               ｐｒｅｖｅｎｔ               ｉｄｅｎｔｉｔｙ               ｆｒａｕｄ               ｉｎ               ｃｏｎｓｕｍｅｒ               ｃｒｅｄｉｔ               ｔｒａｎｓａｃｔｉｏｎｓ               ａｎｄ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｓ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:Ｓｅｎ               Ｆｅｉｎｓｔｅｉｎ,               Ｄｉａｎｎｅ               [ＣＡ]               (ｉｎｔｒｏｄｕｃｅｄ               3/30/2000)               Ｃｏｓｐｏｎｓｏｒｓ               (2)                               Ｃｏｍｍｉｔｔｅｅｓ:               Ｓｅｎａｔｅ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               3/30/2000               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅａｄ               ｔｗｉｃｅ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｂａｎｋｉｎｇ,               Ｈｏｕｓｉｎｇ,               ａｎｄ               Ｕｒｂａｎ               Ａｆｆａｉｒｓ. 1999               ｗａｓ               ａ               ｙｅａｒ               ｏｆ               ｇｒｅａｔ               ｉｎｔｅｒｅｓｔ               ｔｏ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｃｏｍｍｕｎｉｔｙ,               ａｌｌ               ｒｉｇｈｔ,               ｂｕｔ,               ｌｅｔ'ｓ               ｇｅｔ               ｂａｃｋ               ｔｏ               ｔｈｅ               ｇｏｏｄ               Ｓｉｓｔｅｒｓ'               ｐｒｏｂｌｅｍ. Ａｆｔｅｒ               ａｌｌ,               ｗｅ               ｍｕｓｔ               ｃｏｎｔａｃｔ               ｔｈｅ               ＳＥＣ               ａｎｄ               ａｓｋ               ｔｈｅｍ               ｔｏ               ｉｎｆｏｒｍ               Ｃｉｔｉｇｒｏｕｐ,               Ｉｎｃ. ｔｈａｔ               ｔｈｅ               Ａｍｅｒｉｃａｎ               ｐｕｂｌｉｃ               ｒｅａｌｌｙ               ｄｏｅｓ               ｃａｒｅ               ａｂｏｕｔ               ｗｈａｔ               ｈａｓ               ｈａｐｐｅｎｅｄ               ｔｏ               Ａｍｅｒｉｃａ'ｓ               ｅｃｏｎｏｍｙ....ＩＭＭＥＤＩＡＴＥＬＹ,               ＦＯＬＫＳ!                Ｆｉｒｓｔ,               ｌｅｔ               ｕｓ               ｂｅｇｉｎ               ｗｉｔｈ               Ｔｈｅ               Ｇｒａｍｍ-Ｌｅａｃｈ-Ｂｌｉｌｅｙ               Ｆｉｎａｎｃｉａｌ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               ｏｆ               1999               (11/12/1999:               Ｂｅｃａｍｅ               Ｐｕｂｌｉｃ               Ｌａｗ               Ｎｏ:               106-102.)                ｗｉｔｈ               ａ               ｓｙｎｏｐｓｉｓ               ｐｒｏｖｉｄｅｄ               ｂｙ               ｐｂｓ               Ｆｒｏｎｔｌｉｎｅ               ｉｎ               Ｍａｙ               ｏｆ               2003               :               ｈｔｔｐ://ｗｗｗ.ｐｂｓ.ｏｒｇ/ｗｇｂｈ/ｐａｇｅｓ/ｆｒｏｎｔｌｉｎｅ/ｓｈｏｗｓ/ｗａｌｌｓｔｒｅｅｔ/ｗｅｉｌｌ/ｄｅｍｉｓｅ.ｈｔｍｌ                Ｔｈｉｓ               ｂｒｏａｄｃａｓｔ               ｄｅｔａｉｌｓ               ｅｆｆｏｒｔｓ               ｔｏ               ｒｅｐｅａｌ               Ｄｅｐｒｅｓｓｉｏｎ               ｅｒａ               ｌｅｇｉｓｌａｔｉｏｎ               ａｓ               ｔｈｅ               ｒｅｓｕｌｔ               ｏｆ               ｌｏｂｂｙｉｎｇ               ｂｙ               Ａｍｅｒｉｃａ'ｓ               ｌｅａｄｉｎｇ               ｆｉｎａｎｃｉａｌ               ｍｉｎｄｓ               (?). Ｐｌｅａｓｅ               ｎｏｔｅ               ｔｈａｔ               Ｓｅｃｒｅｔａｒｙ               ｏｆ               ｔｈｅ               Ｔｒｅａｓｕｒｙ               Ｒｏｂｅｒｔ               Ｒｕｂｉｎ               ｒｅｓｉｇｎｅｄ               ｈｉｓ               ｐｏｓｉｔｉｏｎ               ａｎｄ               ｓｈｏｒｔｌｙ               ｔｈｅｒｅａｆｔｅｒ               ａｓｓｕｍｅｄ               ｖａｒｉｏｕｓ               ｐｏｓｉｔｉｏｎｓ               ａｔ               Ｃｉｔｉ. (Ｔｈａｔ               ｗａｓ               ｔｈｅ               ｐｅｒｆｅｃｔ               ｏｐｐｏｒｔｕｎｉｔｙ               ｆｏｒ               ａ               'ｄｏｕｂｌｅ-ｉｎｔｅｎｄｅｒ',               ｂｕｔ,               ｆｏｒｔｕｎａｔｅｌｙ,               Ｉ               ｄｏ               ｎｏｔ               ｓｐｅａｋ               Ｆｒｅｎｃｈ.)                Ｉｎ               Ｓｅｎａｔｅ               ｃｏｍｍｉｔｔｅｅ               ｍｅｅｔｉｎｇｓ               ａｄｄｒｅｓｓｉｎｇ               ｔｈｅ               ｎｅｅｄ               ｆｏｒ               "ＭＯＤＥＲＮＩＺＡＴＩＯＮ"               ｏｆ               ｆｕｔｕｒｅｓ               ｔｒａｄｉｎｇ-               (Ｔｈｅ               Ｌｉｂｒａｒｙ               ｏｆ               Ｃｏｎｇｒｅｓｓ               >ＴＨＯＭＡＳ               Ｈｏｍｅ               >Ｃｏｍｍｉｔｔｅｅ               Ｒｅｐｏｒｔｓ               >               Ｓｅａｒｃｈ               Ｒｅｓｕｌｔｓ                79-010,               Ｃａｌｅｎｄａｒ               Ｎｏ. 766,               106ＴＨ               ＣＯＮＧＲＥＳＳ,               ＲｅｐｏｒｔＳＥＮＡＴＥ,               2ｄ               Ｓｅｓｓｉｏｎ               106-390)                -ｃｏｎｓｉｄｅｒａｂｌｅ               ｔｉｍｅ               ａｎｄ               ｅｆｆｏｒｔ               ｗａｓ               ｓｐｅｎｔ               ｐｒｏｄｕｃｉｎｇ               ｔｈｅ               "ｎｅｗ               ａｎｄ               ｉｍｐｒｏｖｅｄ"               ｗａｙ               ｂｕｓｉｎｅｓｓ               ｃｏｕｌｄ               ｂｅ               ｃｏｎｄｕｃｔｅｄ.                Ｍｕｃｈ               ｏｆ               ｔｈｉｓ               ｗａｓ               ｔｈｅ               ｒｅｓｕｌｔ               ｏｆ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ'ｓ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ               (ＰＷＧ)               ｈｔｔｐ://ｗｗｗ.ｕｓｔｒｅａｓ.ｇｏｖ/ｐｒｅｓｓ/ｒｅｌｅａｓｅｓ/ｒｅｐｏｒｔｓ/ｏｔｃａｃｔ.ｐｄｆ,               ｐｒｅｓｅｎｔｅｄ               Ｎｏｖ. 19,               1999. Ｔｅｓｔｉｍｏｎｙ               ｇｉｖｅｎ               ｔｏ               ｔｈｅｍ,               ａｎｄ               Ｔｈｅ               Ｓｅｎａｔｅ               Ｃｏｍｍｉｔｔｅｅ               Ｏｎ               Ａｇｒｉｃｕｌｔｕｒｅ... (Ｎｏ               ｗｏｎｄｅｒ               Ｉ               ｃｏｕｌｄｎ'ｔ               ｆｉｎｄ               ａｎｙ               ｒｅｃｏｒｄ               ｏｆ               ｔｈｅ               ＣＦＭＡ               ｉｎ               Ｓｅｎａｔｅ               Ｆｉｎａｎｃｅ               ＯＲ               Ｂａｎｋｉｎｇ               Ｃｏｍｍｉｔｔｅｅ               ｐｒｏｃｅｅｄｉｎｇｓ)               ｂｙ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｄｅｅｍｅｄ               "ｔｏｏ               ｂｉｇ               ｔｏ               ｆａｉｌ". Ｃｉｔｉｇｒｏｕｐ,               Ｉｎｃ. ｆｅａｔｕｒｅｓ               ｐｒｏｍｉｎｅｎｔｌｙ               ｉｎ               ｔｈｅｓｅ               ｐｒｏｃｅｅｄｉｎｇｓ               (ｆｒｏｍ               ｔｈｅ               1990'ｓ               ｔｏ               ｐｒｅｓｅｎｔ               ｄａｙ               ｌｅｇｉｓｌａｔｉｏｎ)               ｒｅｇａｒｄｉｎｇ               Ｔｒｏｕｂｌｅｄ               Ａｓｓｅｓ... (Ｏｏｐｓ)...Ｔｒｏｕｂｌｅｄ               Ａｓｓｅｔｓ               Ｒｅｌｉｅｆ               Ｐｒｏｇｒａｍ               (ＴＡＲＰ)               ａｎｄ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｓｔｉｍｕｌｕｓ               ｐｒｏｇｒａｍ               ｏｕｒ               ｃｏｕｎｔｒｙ               ｗｉｌｌ               ｂｅ               ｐａｙｉｎｇ               ｆｏｒ. (Ａｄ               ｉｎｆｉｎｉｔｕｍ/ａｄ               ｎａｕｓｅｕｍ;               ｎｏ               ｔｒａｎｓｌａｔｉｏｎ               ｒｅｑｕｉｒｅｄ).                Ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｓｔａｔｅｍｅｎｔ               ｗａｓ               ｄｅｌｉｖｅｒｅｄ               ＦＯＲ               ｔｈｅｍ. (Ｉ               ａｓｓｕｍｅ               ｔｈｉｓ               ｍｕｓｔ               ｂｅ               ａｂｏｕｔ               ｔｈｅ               ｔｉｍｅ               ｔｈｅｙ               ｂｅｇａｎ               ｔｏ               ｂｅｌｉｅｖｅ               "ｉｔ               ｓｉｍｐｌｙ               ｄｏｅｓ               ｎｏｔ               ｒａｉｓｅ               ｓｉｇｎｉｆｉｃａｎｔ               ｐｏｌｉｃｙ               ｃｏｎｃｅｒｎｓ               ｔｈａｔ               ｗａｒｒａｎｔ               ｔｈｅ               Ｓｔａｆｆ               ｏｖｅｒｒｉｄｉｎｇ               ａ               ｍａｔｔｅｒ               ｔｈａｔ               ｉｓ               ｃｌｅａｒｌｙ               ｒｅｌａｔｅｄ               ｔｏ               ｔｈｅ               ｏｒｄｉｎａｒｙ               ｂｕｓｉｎｅｓｓ               ｏｆ               ｔｈｅ               Ｃｏｍｐａｎｙ."               ...ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ)                ＣＯＡＬＩＴＩＯＮ               ｏｆ               ＩＮＶＥＳＴＭＥＮＴ               ＡＮＤ               ＣＯＭＭＥＲＣＩＡＬ               ＢＡＮＫＳ               ｒｅｇａｒｄｉｎｇ                ＴＨＥ               ＲＥＰＯＲＴ               ＯＦ               ＴＨＥ               ＰＲＥＳＩＤＥＮＴ'Ｓ               ＷＯＲＫＩＮＧ               ＧＲＯＵＰ               ＯＮ               ＦＩＮＡＮＣＩＡＬ               ＭＡＲＫＥＴＳ               ｅｎｔｉｔｌｅｄ               ＯＶＥＲ-ＴＨＥ-ＣＯＵＮＴＥＲ               ＤＥＲＩＶＡＴＩＶＥＳ               ＭＡＲＫＥＴＳ               ＡＮＤ                ＴＨＥ               ＣＯＭＭＯＤＩＴＹ               ＥＸＣＨＡＮＧＥ               ＡＣＴ               ｂｅｆｏｒｅ               ｔｈｅ               ＣＯＭＭＩＴＴＥＥ               ＯＮ               ＡＧＲＩＣＵＬＴＵＲＥ,               ＮＵＴＲＩＴＩＯＮ               ＡＮＤ               ＦＯＲＥＳＴＲＹ                ＵＮＩＴＥＤ               ＳＴＡＴＥＳ               ＳＥＮＡＴＥ                ＦＥＢＲＵＡＲＹ               10,               2000                Ｃｈａｉｒｍａｎ               Ｌｕｇａｒ,               ｍｅｍｂｅｒｓ               ｏｆ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ,               ｔｈｉｓ               ｔｅｓｔｉｍｏｎｙ               ｉｓ               ｓｕｂｍｉｔｔｅｄ               ｂｙ               Ｅｄｗａｒｄ               Ｒｏｓｅｎ,               ａ               ｐａｒｔｎｅｒ               ｗｉｔｈ               Ｃｌｅａｒｙ,               Ｇｏｔｔｌｉｅｂ,               Ｓｔｅｅｎ               &               Ｈａｍｉｌｔｏｎ,               ｏｎ               ｂｅｈａｌｆ               ｏｆ               ａｎ               ａｄ               ｈｏｃ               ｃｏａｌｉｔｉｏｎ               ｏｆ               ｉｎｖｅｓｔｍｅｎｔ               ａｎｄ               ｃｏｍｍｅｒｃｉａｌ               ｂａｎｋｓ               (ｔｈｅ               "Ｃｏａｌｉｔｉｏｎ"). Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｉｓ               ｃｏｍｐｒｉｓｅｄ               ｏｆ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｉｎｓｔｉｔｕｔｉｏｎｓ:                Ｔｈｅ               Ｃｈａｓｅ               Ｍａｎｈａｔｔａｎ               Ｂａｎｋ,               Ｃｉｔｉｇｒｏｕｐ               Ｉｎｃ.,               Ｃｒｅｄｉｔ               Ｓｕｉｓｓｅ               Ｆｉｒｓｔ               Ｂｏｓｔｏｎ               Ｉｎｃ.,                Ｇｏｌｄｍａｎ,               Ｓａｃｈｓ               &               Ｃｏ.,               Ｍｅｒｒｉｌｌ               Ｌｙｎｃｈ               &               Ｃｏ.,               Ｉｎｃ.,               Ｍｏｒｇａｎ               Ｓｔａｎｌｅｙ               Ｄｅａｎ               Ｗｉｔｔｅｒ               &               Ｃｏ.                Ｔｈｉｓ               Ｃｏａｌｉｔｉｏｎ               ｉｓ               ｇｒａｔｅｆｕｌ               ｆｏｒ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｐｒｅｓｅｎｔ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｗｉｔｈ               ｔｈｅ               Ｃｏａｌｉｔｉｏｎ'ｓ               ｖｉｅｗｓ               ｒｅｇａｒｄｉｎｇ               ｔｈｅ               ｒｅｐｏｒｔ               ｏｆ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ'ｓ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ               ｏｎ               Ｆｉｎａｎｃｉａｌ               Ｍａｒｋｅｔｓ               (ｔｈｅ               "Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ")               ｅｎｔｉｔｌｅｄ               Ｏｖｅｒ-ｔｈｅ-Ｃｏｕｎｔｅｒ               Ｄｅｒｉｖａｔｉｖｅｓ               Ｍａｒｋｅｔｓ               ａｎｄ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｅｘｃｈａｎｇｅ               Ａｃｔ               (ｔｈｅ               "Ｒｅｐｏｒｔ"). Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｓｕｐｐｏｒｔｓ               ｔｈｅ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ               ｓｅｔ               ｆｏｒｔｈ               ｉｎ               ｔｈｅ               Ｒｅｐｏｒｔ               ａｎｄ               ｕｒｇｅｓ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｔｏ               ｉｎｃｏｒｐｏｒａｔｅ               ｔｈｅ               Ｒｅｐｏｒｔ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ               ｉｎ               ｌｅｇｉｓｌａｔｉｏｎ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｓｅｓｓｉｏｎ....                Ｉ. Ｅｎｈａｎｃｉｎｇ               Ｌｅｇａｌ               Ｃｅｒｔａｉｎｔｙ               ｆｏｒ               Ｓｗａｐｓ                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｓｔｒｏｎｇｌｙ               ｓｕｐｐｏｒｔｓ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ               ｔｈａｔ               ｂｉｌａｔｅｒａｌ               ｓｗａｐ               ａｇｒｅｅｍｅｎｔｓ               ｉｎｖｏｌｖｉｎｇ               ｆｉｎａｎｃｉａｌ               ｃｏｍｍｏｄｉｔｉｅｓ               ｂｅｔｗｅｅｎ               ｉｎｓｔｉｔｕｔｉｏｎａｌ               ｃｏｕｎｔｅｒｐａｒｔｉｅｓ               ｂｅ               ｅｘｃｌｕｄｅｄ               ｆｒｏｍ               ｒｅｇｕｌａｔｉｏｎ               ｕｎｄｅｒ               ｔｈｅ               ＣＥＡ...                ... Ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ｔｈｅ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ               ｏｆ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ,               ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｗｏｕｌｄ               ｓｕｐｐｏｒｔ               ｆｕｒｔｈｅｒ               ｒｅｌｉｅｆ               ｆｏｒ               ｔｒａｎｓａｃｔｉｏｎｓ               ｉｎｖｏｌｖｉｎｇ               ｎｏｎ-ｆｉｎａｎｃｉａｌ               ｃｏｍｍｏｄｉｔｉｅｓ               ａｎｄ               ａ               ｃｌａｒｉｆｉｃａｔｉｏｎ               ｔｈａｔ               ｉｎｄｉｖｉｄｕａｌｌｙ               ｎｅｇｏｔｉａｔｅｄ               ｂｉｌａｔｅｒａｌ               ｔｒａｎｓａｃｔｉｏｎｓ,               ｉｎｃｌｕｄｉｎｇ               ｔｈｏｓｅ               ｉｎｖｏｌｖｉｎｇ               ｎｏｎ-ｆｉｎａｎｃｉａｌ               ｃｏｍｍｏｄｉｔｉｅｓ,               ａｒｅ               ｎｏｔ               ｓｕｂｊｅｃｔ               ｔｏ               ｒｅｇｕｌａｔｉｏｎ               ｕｎｄｅｒ               ｔｈｅ               ＣＥＡ.                ＩＩ. Ｅｌｅｃｔｒｏｎｉｃ               Ｔｒａｄｉｎｇ               Ｓｙｓｔｅｍｓ                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｓｕｐｐｏｒｔｓ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ               ｔｏ               ｅｘｃｌｕｄｅ               ｆｒｏｍ               ｒｅｇｕｌａｔｉｏｎ               ｕｎｄｅｒ               ｔｈｅ               ＣＥＡ               ｅｌｅｃｔｒｏｎｉｃ               ｓｙｓｔｅｍｓ               ｆｏｒ               ｔｒａｄｉｎｇ               ｆｉｎａｎｃｉａｌ               ｄｅｒｉｖａｔｉｖｅｓ               ｗｈｉｃｈ               ｌｉｍｉｔ               ｐａｒｔｉｃｉｐａｔｉｏｎ               ｔｏ               ｉｎｓｔｉｔｕｔｉｏｎａｌ               ｃｏｕｎｔｅｒｐａｒｔｉｅｓ               ｔｒａｄｉｎｇ               ｆｏｒ               ｔｈｅｉｒ               ｏｗｎ               ａｃｃｏｕｎｔｓ. Ｔｈｉｓ               ｅｘｃｌｕｓｉｏｎ               ｗｏｕｌｄ               ｒｅｍｏｖｅ               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｂａｒｒｉｅｒ               ｔｏ               ｆｉｎａｎｃｉａｌ               ａｎｄ               ｔｅｃｈｎｏｌｏｇｉｃａｌ               ｉｎｎｏｖａｔｉｏｎ               ｉｎ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ...                ...Ｂｅｙｏｎｄ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ,               ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｗｏｕｌｄ               ｆｕｒｔｈｅｒ               ｅｎｃｏｕｒａｇｅ               Ｃｏｎｇｒｅｓｓ               ｔｏ               ｃｒｅａｔｅ               ａｎ               ａｐｐｒｏｐｒｉａｔｅ               "ｌｉｇｈｔ-ｈａｎｄｅｄ"               ｒｅｇｕｌａｔｏｒｙ               ｆｒａｍｅｗｏｒｋ               ｆｏｒ               ｔｈｏｓｅ               ｅｌｅｃｔｒｏｎｉｃ               ｔｒａｄｉｎｇ               ｓｙｓｔｅｍｓ               ｔｈａｔ               ｄｏ               ｎｏｔ               ｏｐｅｒａｔｅ               ａｓ               ｅｘｃｈａｎｇｅｓ               ａｎｄ               ｔｈａｔ               ｗｏｕｌｄ               ｎｏｔ               ｏｔｈｅｒｗｉｓｅ               ｑｕａｌｉｆｙ               ｆｏｒ               ｅｘｃｌｕｓｉｏｎ               ｆｒｏｍ               ｔｈｅ               ＣＥＡ               ｕｎｄｅｒ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ                ＩＩＩ. Ｃｌｅａｒｉｎｇ               Ｓｙｓｔｅｍｓ                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｗｅｌｃｏｍｅｓ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄｅｄ               ｃｌａｒｉｆｉｃａｔｉｏｎ               ｔｈａｔ               ｑｕａｌｉｆｙｉｎｇ               ｓｗａｐｓ               ｍａｙ               ｂｅ               ｃｌｅａｒｅｄ               ｗｉｔｈｏｕｔ               ｓｕｂｊｅｃｔｉｎｇ               ｔｈｅ               ｕｎｄｅｒｌｙｉｎｇ               ｔｒａｎｓａｃｔｉｏｎ               ｔｏ               ｒｅｇｕｌａｔｉｏｎ               ｕｎｄｅｒ               ｔｈｅ               ＣＥＡ.                ＩＶ. Ｔｒｅａｓｕｒｙ               Ａｍｅｎｄｍｅｎｔ                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｗｅｌｃｏｍｅｓ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ               ｔｏ               ｃｌａｒｉｆｙ               ｔｈｅ               ｉｎｔｅｎｔ               ｏｆ               ｔｈｅ               Ｔｒｅａｓｕｒｙ               Ａｍｅｎｄｍｅｎｔ               ｂｙ               ｒｅｐｌａｃｉｎｇ               ｔｈｅ               ｔｅｒｍ               "ｂｏａｒｄ               ｏｆ               ｔｒａｄｅ"               ｗｉｔｈ               ｔｈｅ               ｔｅｒｍ               "ｏｒｇａｎｉｚｅｄ               ｅｘｃｈａｎｇｅ."               Ｔｈｉｓ               ｃｌａｒｉｆｉｃａｔｉｏｎ               ａｌｏｎｅ               ｗｉｌｌ               ｅｌｉｍｉｎａｔｅ               ａ               ｇｒｅａｔ               ｄｅａｌ               ｏｆ               ｕｎｃｅｒｔａｉｎｔｙ               ａｎｄ               ｆｏｒｅｓｔａｌｌ               ｍｕｃｈ               ｏｆ               ｔｈｅ               ｌｉｔｉｇａｔｉｏｎ               ｔｈａｔ               ｈａｓ               ａｒｉｓｅｎ               ｉｎ               ｔｈｉｓ               ａｒｅａ               ｉｎ               ｔｈｅ               ｐａｓｔ.                Ｖ. Ｈｙｂｒｉｄ               Ｉｎｓｔｒｕｍｅｎｔｓ                Ｉｎ               ｔｈｅ               ａｒｅａ               ｏｆ               ｈｙｂｒｉｄ               ｉｎｓｔｒｕｍｅｎｔｓ,               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ               ｒｅｃｏｍｍｅｎｄｅｄ               ｔｈａｔ               Ｃｏｎｇｒｅｓｓ               ｃｌａｒｉｆｙ               ｔｈａｔ               ｔｈｅ               ＣＥＡ'ｓ               ｒｅｓｔｒｉｃｔｉｏｎ               ｏｎ               ｆｕｔｕｒｅｓ               ｏｎ               ｎｏｎ-ｅｘｅｍｐｔ               ｓｅｃｕｒｉｔｉｅｓ               ｄｏｅｓ               ｎｏｔ               ａｐｐｌｙ               ｔｏ               ｈｙｂｒｉｄ               ｉｎｓｔｒｕｍｅｎｔｓ               ｔｈａｔ               ｗｏｕｌｄ               ｏｔｈｅｒｗｉｓｅ               ｑｕａｌｉｆｙ               ｆｏｒ               ｅｘｅｍｐｔｉｏｎ               ｆｒｏｍ               ｔｈｅ               ＣＥＡ               ｕｎｄｅｒ               ｔｈｅ               ＣＦＴＣ'ｓ               ｃｕｒｒｅｎｔ               ｒｕｌｅｓ.                ＶＩ. Ｓｉｎｇｌｅ-Ｓｔｏｃｋ               Ｆｕｔｕｒｅｓ;               Ｓｈａｄ-Ｊｏｈｎｓｏｎ               Ａｃｃｏｒｄ                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｄｏｅｓ               ｎｏｔ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｓｉｎｇｌｅ-ｓｔｏｃｋ               ｆｕｔｕｒｅｓ               ｓｈｏｕｌｄ               ｂｅ               ｕｎｌａｗｆｕｌ               ｐｅｒ               ｓｅ...                ... Ｃｏｎｇｒｅｓｓ               ｍｕｓｔ               ｒｅｃｏｇｎｉｚｅ               ｔｈａｔ               ｐｒｏｖｉｄｉｎｇ               ｌｅｇａｌ               ｃｅｒｔａｉｎｔｙ               ｆｏｒ               ＯＴＣ               ｄｅｒｉｖａｔｉｖｅ               ｉｎｓｔｒｕｍｅｎｔｓ               ａｎｄ               ｒｅｍｏｖｉｎｇ               ｂａｒｒｉｅｒｓ               ｔｏ               ｉｎｎｏｖａｔｉｏｎ               ａｒｅ               ｍｕｃｈ               ｍｏｒｅ               ｕｒｇｅｎｔ               ｍａｔｔｅｒｓ               ｆｏｒ               Ｕ.Ｓ. ｆｉｎａｎｃｉａｌ               ｍａｒｋｅｔｓ               ｔｈａｎ               ｃｒｅａｔｉｎｇ               ａ               ｒｅｇｕｌａｔｏｒｙ               ｆｒａｍｅｗｏｒｋ               ｆｏｒ               ｓｉｎｇｌｅ-ｓｔｏｃｋ               ｆｕｔｕｒｅｓ.                ＶＩＩ. Ｄｅｒｉｖａｔｉｖｅｓ               Ｄｅａｌｅｒｓ                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ａｇｒｅｅｓ               ｗｉｔｈ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｃｏｎｃｌｕｓｉｏｎ               ｔｈａｔ               ｎｏ               ｃｕｒｒｅｎｔ               ｎｅｅｄ               ｈａｓ               ｂｅｅｎ               ｄｅｍｏｎｓｔｒａｔｅｄ               ｔｏ               ｒｅｇｕｌａｔｅ               ＯＴＣ               ｄｅｒｉｖａｔｉｖｅｓ               ｄｅａｌｅｒｓ,               ｍｏｓｔ               ｏｆ               ｗｈｏｍ               ａｒｅ               ａｌｒｅａｄｙ               ｓｕｂｊｅｃｔ               ｔｏ               ｄｉｒｅｃｔ               ａｎｄ               ｉｎｄｉｒｅｃｔ               ｒｅｇｕｌａｔｏｒｙ               ｏｖｅｒｓｉｇｈｔ....                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｎｏｔｅｓ               ｔｈａｔ               ｔｈｅ               Ｒｅｐｏｒｔ               ｒｅｉｔｅｒａｔｅｓ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｅａｒｌｉｅｒ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ               ｔｏ               ｅｘｐａｎｄ               ｔｈｅ               ＳＥＣ'ｓ               ａｎｄ               ＣＦＴＣ'ｓ               ｒｉｓｋ               ａｓｓｅｓｓｍｅｎｔ               ａｕｔｈｏｒｉｔｙ               ｗｉｔｈ               ｒｅｓｐｅｃｔ               ｔｏ               ｂｒｏｋｅｒ-ｄｅａｌｅｒｓ               ａｎｄ               ｆｕｔｕｒｅｓ               ｃｏｍｍｉｓｓｉｏｎ               ｍｅｒｃｈａｎｔｓ.(1)               Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｆｕｌｌｙ               ｓｕｐｐｏｒｔｓ               ｔｈｅ               ｇｏａｌ               ｏｆ               ｉｍｐｒｏｖｅｄ               ｒｉｓｋ               ｒｅｐｏｒｔｉｎｇ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｒｅｇｕｌａｔｏｒｓ.(2)               Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｈａｓ               ｓｏｍｅ               ｃｏｎｃｅｒｎｓ,               ｈｏｗｅｖｅｒ,               ｒｅｇａｒｄｉｎｇ               ｔｈｅ               ｓｃｏｐｅ               ｏｆ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ               ｉｎ               ｔｈｉｓ               ａｒｅａ,               ａｎｄ               ｓｔａｎｄｓ               ｒｅａｄｙ               ｔｏ               ｅｎｇａｇｅ               ｉｎ               ａ               ｄｉａｌｏｇｕｅ               ｏｎ               ｔｈｅ               ｒｅｌｅｖａｎｔ               ｉｓｓｕｅｓ.                ＶＩＩＩ. Ｃｏｎｃｌｕｓｉｏｎ                Ｉｔ               ｉｓ               ｔｉｍｅ               ｆｏｒ               Ｃｏｎｇｒｅｓｓｉｏｎａｌ               ａｃｔｉｏｎ               ｔｏ               ｅｎｓｕｒｅ               ｌｅｇａｌ               ｃｅｒｔａｉｎｔｙ               ａｎｄ               ｒｅｍｏｖｅ               ｔｈｅ               ｂａｒｒｉｅｒｓ               ｔｏ               ｉｎｎｏｖａｔｉｏｎ               ｐｏｓｅｄ               ｂｙ               ｔｈｅ               ＣＥＡ. Ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ               ｈａｓ               ｕｎａｎｉｍｏｕｓｌｙ               ｕｒｇｅｄ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ               ｔｏ               ａｃｔ               ａｎｄ               ｈａｓ               ｐｒｏｖｉｄｅｄ               Ｃｏｎｇｒｅｓｓ               ｗｉｔｈ               ａ               ｃｌｅａｒ               ｃｏｕｒｓｅ               ｏｆ               ａｃｔｉｏｎ. Ｍｏｒｅｏｖｅｒ,               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ               ｈａｖｅ               ｗｉｄｅｓｐｒｅａｄ               ｓｕｐｐｏｒｔ               ａｍｏｎｇ               ｆｉｎａｎｃｉａｌ               ｍａｒｋｅｔ               ｐａｒｔｉｃｉｐａｎｔｓ. Ｗｅ               ｕｒｇｅ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ｔｏ               ｔａｋｅ               ａｄｖａｎｔａｇｅ               ｏｆ               ｔｈｅｓｅ               ｒａｒｅ               ｃｏｎｄｉｔｉｏｎｓ               ａｎｄ               ｍｏｖｅ               ｓｗｉｆｔｌｙ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｓｅｓｓｉｏｎ               ｔｏ               ｅｎａｃｔｍｅｎｔ               ｏｆ               ａ               ｂｉｌｌ               ｉｎｃｏｒｐｏｒａｔｉｎｇ               ｔｈｅ               Ｗｏｒｋｉｎｇ               Ｇｒｏｕｐ'ｓ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎｓ.                Ｇｉｖｅｎ               ｔｈｅ               ｅｘｔｒａｏｒｄｉｎａｒｙ               ｃｏｎｓｅｎｓｕｓ               ｉｎ               ｔｈｅ               ｐｕｂｌｉｃ               ａｎｄ               ｐｒｉｖａｔｅ               ｓｅｃｔｏｒｓ               ｒｅｇａｒｄｉｎｇ               ｔｈｅ               ｕｒｇｅｎｔ               ｎｅｅｄ               ｆｏｒ               ｌｅｇａｌ               ｃｅｒｔａｉｎｔｙ,               ｍａｒｋｅｔ               ｐａｒｔｉｃｉｐａｎｔｓ               ａｒｅ               ｃａｒｅｆｕｌｌｙ               ｍｏｎｉｔｏｒｉｎｇ               ｔｈｅ               ｒｅａｕｔｈｏｒｉｚａｔｉｏｎ               ｐｒｏｃｅｓｓ               ｆｏｒ               ａ               ｓｉｇｎａｌ               ｔｈａｔ               Ｃｏｎｇｒｅｓｓ               ｗｉｌｌ               ａｃｔ               ｏｎ               ｔｈｅｓｅ               ｉｍｐｏｒｔａｎｔ               ｉｓｓｕｅｓ. Ａｓ               ｗｅ               ｈａｖｅ               ｔｅｓｔｉｆｉｅｄ               ｐｒｅｖｉｏｕｓｌｙ,               ａｎｄ               ａｓ               ｆｉｎａｎｃｉａｌ               ｍａｒｋｅｔ               ｐａｒｔｉｃｉｐａｎｔｓ               ａｒｅ               ａｃｕｔｅｌｙ               ａｗａｒｅ,               ｔｈｅ               ｒｉｓｋｓ               ａｎｄ               ｏｂｓｔａｃｌｅｓ               ｔｏ               ｉｎｎｏｖａｔｉｏｎ               ｐｏｓｅｄ               ｂｙ               ｔｈｅ               ＣＥＡ               ｄｏ               ｎｏｔ               ｂｕｒｄｅｎ               ｏｔｈｅｒ               ｍａｊｏｒ               ｆｉｎａｎｃｉａｌ               ｃｅｎｔｅｒｓ. Ｉｆ               Ｃｏｎｇｒｅｓｓ               ｃｏｎｔｉｎｕｅｓ               ｔｏ               ｍｉｓｓ               ｏｐｐｏｒｔｕｎｉｔｉｅｓ               ｔｏ               ｍｏｄｅｒｎｉｚｅ               ｔｈｅ               ＣＥＡ,               ｔｈｅ               Ｕ.Ｓ. ｗｉｌｌ               ｊｅｏｐａｒｄｉｚｅ               ｉｔｓ               ｐｏｓｉｔｉｏｎ               ａｓ               ｔｈｅ               ｌｅａｄｉｎｇ               ｇｌｏｂａｌ               ｆｉｎａｎｃｉａｌ               ｃｅｎｔｅｒ               ａｎｄ               ｔｈｅ               Ｕ.Ｓ. ｌｅｇｉｓｌａｔｉｖｅ               ａｎｄ               ｒｅｇｕｌａｔｏｒｙ               ｃｏｍｍｕｎｉｔｙ               ｗｉｌｌ               ｓｉｇｎｉｆｉｃａｎｔｌｙ               ｄｉｍｉｎｉｓｈ               ｉｔｓ               ｏｗｎ               ｉｎｆｌｕｅｎｃｅ               ｏｖｅｒ               ｔｈｅ               ｄｅｖｅｌｏｐｍｅｎｔ               ｏｆ               ｐｏｌｉｃｙ               ｇｏｖｅｒｎｉｎｇ               ｔｈｅ               ｇｌｏｂａｌ               ｆｉｎａｎｃｉａｌ               ｍａｒｋｅｔｓ.                Ｃｏｎｇｒｅｓｓ               ｍｕｓｔ               ｎｏｔ               ａｌｌｏｗ               ｌｅｓｓ               ｉｍｐｏｒｔａｎｔ               ｉｓｓｕｅｓ               ｔｏ               ｉｍｐｅｄｅ               ｐｒｏｇｒｅｓｓ               ｏｎ               ｔｈｅｓｅ               ｐｒｅｓｓｉｎｇ               ｍａｔｔｅｒｓ.                Ｔｈｅ               Ｃｏａｌｉｔｉｏｎ               ｖｅｒｙ               ｍｕｃｈ               ａｐｐｒｅｃｉａｔｅｓ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ'ｓ               ｉｎｔｅｒｅｓｔ               ｉｎ               ｔｈｅｓｅ               ｉｓｓｕｅｓ               ａｎｄ               ｉｓ               ｃｏｍｍｉｔｔｅｄ               ｔｏ               ｗｏｒｋｉｎｇ               ｗｉｔｈ               ｔｈｅ               Ｃｏｍｍｉｔｔｅｅ               ａｎｄ               ｏｔｈｅｒ               ｉｎｔｅｒｅｓｔｅｄ               ｐａｒｔｉｅｓ               ｉｎ               ａｎ               ｅｆｆｏｒｔ               ｔｏ               ｓｏｌｖｅ               ｔｈｅｓｅ               ｐｒｏｂｌｅｍｓ               ｏｎｃｅ               ａｎｄ               ｆｏｒ               ａｌｌ.                Ｓｉｎｃｅ               Ｉ               ａｍ               ａｔｔｒｉｂｕｔｉｎｇ               ｍｕｃｈ               ｏｆ               ｔｈｅ               ｒｅｓｅａｒｃｈ,               ａｎｄ               ａｄｖｉｃｅ               ｇｉｖｅｎ               ｔｏ               Ｃｏｎｇｒｅｓｓ,               ｔｏ               ｔｈｅ               ＰＷＧ,               ｐｅｒｈａｐｓ               ｎｏｗ               ｗｏｕｌｄ               ｂｅ               ａ               ｓｗｅｌｌ               ｔｉｍｅ               ｔｏ               ｉｎｔｒｏｄｕｃｅ               ｔｈｅｓｅ               ｆｉｎｅ               ｆｏｌｋｓ               ｔｏ               ｙｏｕ. (Ｆｏｒ               ｔｈｏｓｅ               ｏｆ               ｙｏｕ               ｗｈｏ               ａｌｒｅａｄｙ               ｋｎｏｗ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ...Ｌｉｇｈｔ               'ｅｍ               ｉｆ               ｙｏｕ               ｎｅｅｄ               'ｅｍ...ｐｒａｙｅｒ               ｃａｎｄｌｅｓ,               ｃｉｇａｒｅｔｔｅｓ,               ｗｈａｔｅｖｅｒ...ｂｕｔ               ｃｏｍｅ               ｏｎ               ｂａｃｋ. Ｗｅ               ｓｔｉｌｌ               ｈａｖｅ               ａ               ＬＯＴ               ｏｆ               ｇｒｏｕｎｄ               ｔｏ               ｃｏｖｅｒ.)                               ............................................................................................................................................................................                Ｔｈｅ               ＰＷＧ               ｔｈａｔ               ｒｅｌｅａｓｅｄ               ｔｈｅ               ｓｔｕｄｙ               ｈｔｔｐ://ｗｗｗ.ｕｓｔｒｅａｓ.ｇｏｖ/ｐｒｅｓｓ/ｒｅｌｅａｓｅｓ/ｒｅｐｏｒｔｓ/ｏｔｃａｃｔ.ｐｄｆ,               ｐｒｅｓｅｎｔｅｄ               Ｎｏｖ. 19,               1999,               ｃｏｎｓｉｓｔｅｄ               ｏｆ:                Ｇｒｅｅｎｓｐａｎ,               Ａｌａｎ,               Ｃｈａｉｒｍａｎ               ｏｆ               ｔｈｅ               Ｂｏａｒｄ               ｏｆ               Ｇｏｖｅｒｎｏｒｓ               ｏｆ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ｓｙｓｔｅｍ,               Ｗａｓｈｉｎｇｔｏｎ,               ＤＣ                Ｓｕｍｍｅｒｓ,               Ｌａｗｒｅｎｃｅ,               Ｓｅｃｒｅｔａｒｙ               ｏｆ               ｔｈｅ               Ｕ.Ｓ. Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               ｔｈｅ               Ｔｒｅａｓｕｒｙ,               Ｗａｓｈｉｎｇｔｏｎ,               ＤＣ                Ｌｅｖｉｔｔ,               Ａｒｔｈｕｒ,               Ｃｈａｉｒｍａｎ               ｏｆ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ,               Ｗａｓｈｉｎｇｔｏｎ,               ＤＣ                Ｒａｉｎｅｒ,               Ｗｉｌｌｉａｍ,               Ｃｈａｉｒｍａｎ               ｏｆ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｆｕｔｕｒｅｓ               Ｔｒａｄｉｎｇ               Ｃｏｍｍｉｓｓｉｏｎ,               Ｗａｓｈｉｎｇｔｏｎ,               ＤＣ                Ｇｏｒｅ,               Ａｌ,               Ｐｒｅｓｉｄｅｎｔ               ｏｆ               ｔｈｅ               Ｓｅｎａｔｅ,               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               Ｓｅｎａｔｅ,               Ｗａｓｈｉｎｇｔｏｎ,               Ｄ.Ｃ                               ..........................................................................................................................................................................                Ｉ               ａｍ               ｉｎｃｌｉｎｅｄ               ｔｏ               ｂｅｌｉｅｖｅ               ＡＬＬ               ｏｆ               ｔｈｅ               ｄｅｃｉｓｉｏｎｓ               ｍａｄｅ               ｂｙ               ｔｈｉｓ               ｎｅｘｔ               ｃｏｍｍｉｔｔｅｅ               ｓｈｏｕｌｄ               ｂｅ               ｒｅｖｉｅｗｅｄ. Ｈｅｙ,               20/20               ｈｉｎｄｓｉｇｈｔ               ｓｔｒｉｋｅｓ,               ａｇａｉｎ! Ｃｈｅｃｋ               ｃａｒｅｆｕｌｌｙ               ｔｈｅ               ｎａｍｅｓ               ｏｆ               ｐａｒｔｉｃｉｐａｎｔｓ               ｉｎ               ｔｈｉｓ               ｈｉｇｈ               ｌｅｖｅｌ               ｐｌａｎｎｉｎｇ               ｍｅｅｔｉｎｇ...ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｅｄ                ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｄｉｖｉｓｉｏｎｓ/ｍａｒｋｅｔｒｅｇ/ｍａｒｋｅｔｉｎｆｏ/121400ｍｔｇ.ｈｔｍ                Ｄｉｖｉｓｉｏｎ               ｏｆ               Ｍａｒｋｅｔ               Ｒｅｇｕｌａｔｉｏｎ:                               Ａｄｖｉｓｏｒｙ               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｍａｒｋｅｔ               Ｉｎｆｏｒｍａｔｉｏｎ:                               Ｍｉｎｕｔｅｓ               ｏｆ               Ｄｅｃｅｍｂｅｒ               14,               2000               Ｍｅｅｔｉｎｇ                Ｔｈｕｒｓｄａｙ,               Ｄｅｃｅｍｂｅｒ               14,               2000                               1:12               ｐ.ｍ.                Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ                               450               Ｆｉｆｔｈ               Ｓｔｒｅｅｔ,               Ｎ.Ｗ.                Ｗａｓｈｉｎｇｔｏｎ,               Ｄ.Ｃ.                Ｐａｒｔｉｃｉｐａｎｔｓ                Ｍｒ. Ｍｉｃｈａｅｌ               Ａｔｋｉｎ                               Ｖｉｃｅ               Ｐｒｅｓｉｄｅｎｔ,               Ｆｉｎａｎｃｉａｌ               Ｉｎｆｏｒｍａｔｉｏｎ               Ｓｅｒｖｉｃｅｓ               Ｄｉｖｉｓｉｏｎ,                               Ｓｏｆｔｗａｒｅ               ａｎｄ               Ｉｎｆｏｒｍａｔｉｏｎ               Ｉｎｄｕｓｔｒｙ               Ａｓｓｏｃｉａｔｉｏｎ                Ｒｏｂｅｒｔ               Ｇ. Ｂｒｉｔｚ                               Ｎｅｗ               Ｙｏｒｋ               Ｓｔｏｃｋ               Ｅｘｃｈａｎｇｅ                Ａｎｄｒｅｗ               Ｍ. Ｂｒｏｏｋｓ                               Ｔ. Ｒｏｗｅ               Ｐｒｉｃｅ                Ｒｏｂｅｒｔ               Ｃｏｌｂｙ                               ＳＥＣ                Ｍａｔｔｈｅｗ               Ｓ. ＤｅＳａｌｖｏ                               Ｍｏｒｇａｎ               Ｓｔａｎｌｅｙ               Ｄｅａｎ               Ｗｉｔｔｅｒ                Ｃａｒｒｉｅ               Ｅ. Ｄｗｙｅｒ                               Ｃｈａｒｌｅｓ               Ｓｃｈｗａｂ                Ｍｉｔｃｈｅｌｌ               Ｆｅｕｅｒ                               Ｒｅｕｔｅｒｓ               Ａｍｅｒｉｃａ                Ｊｏｅｌ               Ｇｒｅｅｎｂｅｒｇ                               Ｓｕｓｑｕｅｈａｎｎａ               Ｐａｒｔｎｅｒｓ                Ｄａｖｉｄ               Ａ. Ｈｕｎｔ                               ＭｃＫｉｎｓｅｙ               &               Ｃｏｍｐａｎｙ                Ｓｉｍｏｎ               Ｊｏｈｎｓｏｎ                               Ｍａｓｓａｃｈｕｓｅｔｔｓ               Ｉｎｓｔｉｔｕｔｅ               ｏｆ               Ｔｅｃｈｎｏｌｏｇｙ                Ｒｉｃｈａｒｄ               Ｋｅｔｃｈｕｍ                               Ｎａｔｉｏｎａｌ               Ａｓｓｏｃｉａｔｉｏｎ               ｏｆ               Ｓｅｃｕｒｉｔｉｅｓ               Ｄｅａｌｅｒｓ                Ｄｏｎａｌｄ               Ｃ. Ｌａｎｇｅｖｏｏｒｔ                               Ｇｅｏｒｇｅｔｏｗｎ               Ｕｎｉｖｅｒｓｉｔｙ               Ｌａｗ               Ｃｅｎｔｅｒ                Ｂｅｒｎａｒｄ               Ｌ. Ｍａｄｏｆｆ                               Ｂｅｒｎａｒｄ               Ｌ. Ｍａｄｏｆｆ               Ｉｎｖｅｓｔｍｅｎｔ               Ｓｅｃｕｒｉｔｉｅｓ                Ｍａｒｋ               Ａ. Ｍｉｎｉｓｔｅｒ                               Ｂｒｉｄｇｅ               Ｔｒａｄｉｎｇ                Ａｎｎｅｔｔｅ               Ｌ. Ｎａｚａｒｅｔｈ                               ＳＥＣ                Ｅｄｗａｒｄ               Ｎｉｃｏｌｌ                               Ｄａｔｅｋ               Ｏｎｌｉｎｅ               Ｈｏｌｄｉｎｇｓ                Ｇｅｒａｌｄ               Ｄ. Ｐｕｔｎａｍ                               Ａｒｃｈｉｐｅｌａｇｏ                Ｐｅｔｅｒ               Ｑｕｉｃｋ                               Ａｍｅｒｉｃａｎ               Ｓｔｏｃｋ               Ｅｘｃｈａｎｇｅ                Ｅｒｉｃ               Ｄ. Ｒｏｉｔｅｒ                               Ｆｉｄｅｌｉｔｙ               Ｍａｎａｇｅｍｅｎｔ               &               Ｒｅｓｅａｒｃｈ               Ｃｏ.                Ｊｏｅｌ               Ｓｅｌｉｇｍａｎ                               Ｗａｓｈｉｎｇｔｏｎ               Ｕｎｉｖｅｒｓｉｔｙ               Ｓｃｈｏｏｌ               ｏｆ               Ｌａｗ                Ｂｙ               Ｔｅｌｅｐｈｏｎｅ                Ｒｏｂｅｒｔ               Ｈ. Ｆｏｒｎｅｙ                               Ｃｈｉｃａｇｏ               Ｓｔｏｃｋ               Ｅｘｃｈａｎｇｅ                Ｗｉｌｌｉａｍ               Ｒ. Ｈａｒｔｓ                               Ｓａｌｏｍｏｎ               Ｓｍｉｔｈ               Ｂａｒｎｅｙ                Ｅｄｗａｒｄ               Ｊ. Ｊｏｙｃｅ                               Ｃｈｉｃａｇｏ               Ｂｏａｒｄ               Ｏｐｔｉｏｎｓ               Ｅｘｃｈａｎｇｅ                Ｔｈｏｍａｓ               Ｍ. Ｊｏｙｃｅ                               Ｍｅｒｒｉｌｌ               Ｌｙｎｃｈ                Ｈ.Ｒ.4038                               Ｔｉｔｌｅ:               Ｔｏ               ｅｓｔａｂｌｉｓｈ               ａ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｄｅｒｉｖａｔｉｖｅｓ               Ｏｖｅｒｓｉｇｈｔ               Ｃｏｍｍｉｓｓｉｏｎ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｃｏｍｂｉｎｅ               ｔｈｅ               ｆｕｎｃｔｉｏｎｓ               ｏｆ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｆｕｔｕｒｅｓ               Ｔｒａｄｉｎｇ               Ｃｏｍｍｉｓｓｉｏｎ               ａｎｄ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｉｎ               ａ               ｓｉｎｇｌｅ               ｉｎｄｅｐｅｎｄｅｎｔ               ｒｅｇｕｌａｔｏｒｙ               ｃｏｍｍｉｓｓｉｏｎ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｐｕｒｐｏｓｅｓ.                Ｓｐｏｎｓｏｒ:               Ｒｅｐ               ＤｅＦａｚｉｏ,               Ｐｅｔｅｒ               Ａ. [ＯＲ-4]               (ｉｎｔｒｏｄｕｃｅｄ               3/20/2002)               Ｃｏｓｐｏｎｓｏｒｓ               (6)                               Ｌａｔｅｓｔ               Ｍａｊｏｒ               Ａｃｔｉｏｎ:               4/15/2002               Ｒｅｆｅｒｒｅｄ               ｔｏ               Ｈｏｕｓｅ               ｓｕｂｃｏｍｍｉｔｔｅｅ. Ｓｔａｔｕｓ:               Ｒｅｆｅｒｒｅｄ               ｔｏ               ｔｈｅ               Ｓｕｂｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｃａｐｉｔａｌ               Ｍａｒｋｅｔｓ,               Ｉｎｓｕｒａｎｃｅ               ａｎｄ               Ｇｏｖｅｒｎｍｅｎｔ               Ｓｐｏｎｓｏｒｅｄ               Ｅｎｔｅｒｐｒｉｓｅｓ.                ............................                ＷＨＥＲＥ               ＷＥＲＥ               ＴＨＥ               ＷＡＴＣＨＤＯＧＳ?                Ｆｅｂｒｕａｒｙ               22,               2002                ....ＰＡＵＬ               ＳＯＬＭＡＮ:               Ｏｖｅｒ               ａｔ               ｔｈｅ               ＣＦＴＣ,               ｍｅａｎｗｈｉｌｅ,               ｓａｙ               ｃｒｉｔｉｃｓ,               ｔｈｅ               ｒｅｇｕｌａｔｏｒｓ               ｄｉｄｎ'ｔ               ｒｅｇｕｌａｔｅ               Ｅｎｒｏｎ               ｂｙ               ｃｈｏｉｃｅ,               ｅｘｅｍｐｔｉｎｇ               ｔｈｅ               ｃｏｍｐａｎｙ               ｆｒｏｍ               ｒｅｇｕｌａｔｉｏｎ               ｂａｃｋ               ｉｎ               1993,               ｔｈｅ               ｌａｓｔ               ａｃｔ               ｏｆ               ｏｕｔｇｏｉｎｇ               ｃｈａｉｒ               Ｗｅｎｄｙ               Ｇｒａｍｍ,               ｗｉｆｅ               ｏｆ               Ｔｅｘａｓ               Ｓｅｎａｔｏｒ               Ｐｈｉｌ               Ｇｒａｍｍ. Ｐｒｏｆｅｓｓｏｒ               Ｍｉｃｈａｅｌ               Ｇｒｅｅｎｂｅｒｇｅｒ               ｗａｓ               ａ               ＣＦＴＣ               ｌａｗｙｅｒ               ｉｎ               ｔｈｅ               ｌａｔｅ-'90ｓ.                ＭＩＣＨＡＥＬ               ＧＲＥＥＮＢＥＲＧＥＲ,               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍａｒｙｌａｎｄ               Ｌａｗ               Ｓｃｈｏｏｌ:               Ａｆｔｅｒ               ｔｈｅｓｅ               ｅｘｅｍｐｔｉｏｎｓ               ｔｏｏｋ               ｐｌａｃｅ,               ｔｈｅｙ               ｃｏｕｌｄ               ｉｎ               ｐｒｉｖａｔｅ               ｍａｋｅ               ｄｅａｌｓ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅｙ               ｗｏｕｌｄ               ｔｒａｄｅ               ｅｎｅｒｇｙ,               ａｎｄ               ｔｈｅｙ               ｗｅｒｅ               ｃｏｍｐｌｅｔｅｌｙ               ｄｅｒｅｇｕｌａｔｅｄ. Ｎｏｂｏｄｙ               ｋｎｅｗ               ａｂｏｕｔ               ｔｈｅｍ.                ＰＡＵＬ               ＳＯＬＭＡＮ:               Ｗｅｎｄｙ               Ｇｒａｍｍ,               ｍｅａｎｗｈｉｌｅ,               ｂｅｃａｍｅ               ａｎ               Ｅｎｒｏｎ               ｂｏａｒｄ               ｍｅｍｂｅｒ               ｗｉｔｈｉｎ               ｗｅｅｋｓ               ｏｆ               ｔｈｅ               ｅｘｅｍｐｔｉｏｎｓ               ｖｏｔｅ,               ｗｈｉｌｅ               Ｅｎｒｏｎ               ａｎｄ               ｏｔｈｅｒｓ               ｋｅｐｔ               ｐｕｓｈｉｎｇ               ｆｏｒ               ｌｅｓｓ               ｒｅｇｕｌａｔｉｏｎ.                ＭＩＣＨＡＥＬ               ＧＲＥＥＮＢＥＲＧＥＲ:               Ｅｘｅｍｐｔｉｏｎｓ               ｗｅｒｅｎ'ｔ               ｂｉｇ               ｅｎｏｕｇｈ               ａｆｔｅｒ               ｔｉｍｅ               ｗｅｎｔ. Ｔｈｅｙ               ｗａｎｔｅｄ               ｔｏ               ｄｏ               ｍｏｒｅ. Ｓｏ               ｔｈｅ               ｐｈｉｌｏｓｏｐｈｙ               ｔｈｅｙ               ａｄｏｐｔｅｄ               ａｎｄ               ｔｈｅ               ｐｈｉｌｏｓｏｐｈｙ               ｉｎｄｕｓｔｒｙ               ａｄｏｐｔｅｄ               ｗａｓ               ｔｗｏｆｏｌｄ:               Ｗｅ'ｒｅ               ｊｕｓｔ               ｇｏｉｎｇ               ｔｏ               ｉｇｎｏｒｅ               ｔｈｅ               ｒｅｇｕｌａｔｏｒｓ,               ｗｅ'ｒｅ               ｇｏｉｎｇ               ｔｏ               ｌｏｂｂｙ               ｌｉｋｅ               ｃｒａｚｙ               ｏｎ               ｔｈｅ               Ｈｉｌｌ,               ａｎｄ               ｗｅ'ｒｅ               ｇｏｉｎｇ               ｔｏ               ｃｏｎｖｉｎｃｅ               Ｃｏｎｇｒｅｓｓ               ｔｈａｔ               ｔｈｉｓ               ａｒｅａ               ｎｅｅｄｓ               ｔｏ               ｂｅ               ｄｅｒｅｇｕｌａｔｅｄ               ｉｎ               Ｔｏｔｏ. Ａｎｄ               ｔｈｅｙ               ａｃｈｉｅｖｅｄ               ｔｈａｔ               ｏｂｊｅｃｔｉｖｅ               ｉｎ               Ｄｅｃｅｍｂｅｒ               ｏｆ               2000.                ＰＡＵＬ               ＳＯＬＭＡＮ:               Ｔｈｅ               ａｃｈｉｅｖｅｍｅｎｔ               ｗａｓ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｆｕｔｕｒｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ,               ｌｅｇｉｓｌａｔｉｏｎ               ｔｈａｔ               ｅｘｅｍｐｔｅｄ               Ｅｎｒｏｎ               ａｎｄ               ｏｔｈｅｒｓ               ｐｅｒｍａｎｅｎｔｌｙ               ｆｒｏｍ               ＣＦＴＣ               ｏｖｅｒｓｉｇｈｔ,               ｗｒｉｔｔｅｎ               ｉｎ               ｐａｒｔ               ｂｙ               Ｓｅｎａｔｏｒ               Ｇｒａｍｍ. Ｅｎｒｏｎ,               ｈｏｗｅｖｅｒ,               ｗａｓ               ｂｕｔ               ｏｎｅ               ｏｆ               ｍａｎｙ,               ｓａｙｓ               Ｅｌｉｚａｂｅｔｈ               Ｒｉｔｔｅｒ.                ＥＬＩＺＡＢＥＴＨ               ＲＩＴＴＥＲ:               Ｅｎｒｏｎ               ｗａｓ               ｏｎｅ               ｏｆ               ｄｏｚｅｎｓ               ｏｆ               ｅｎｅｒｇｙ,               ｍｅｔａｌｓ,               ｂａｎｋｓ,               ｍａｒｋｅｔ               ｐａｒｔｉｃｉｐａｎｔｓ               ｔｈａｔ               ｃｏｍｅ               ａｎｄ               ｔａｌｋ               ｔｏ               ｕｓ,               ｔｈａｔ               ｇｏ               ｔｏ               ｔｈｅ               Ｈｉｌｌ. Ｉ               ｍｅａｎ,               Ｅｎｒｏｎ               ｗａｓ               ｎｏｔ... ｃｅｒｔａｉｎｌｙ               ｂｙ               ａｎｙ               ｍｅａｎｓ,               ｔｈｅ               ｌａｒｇｅｓｔ               ｐｌａｙｅｒ               ｗｈｏ               ｃａｍｅ               ａｎｄ               ｔａｌｋｅｄ               ｔｏ               ｕｓ               ｏｒ               ｔｒｉｅｄ               ｔｏ               ｔｅｌｌ               ｕｓ               ｗｈａｔ               ｔｈｅｙ               ｗａｎｔｅｄ               ａｎｄ               ｗｈａｔ               ｔｈｅｙ               ｎｅｅｄｅｄ.                ＰＡＵＬ               ＳＯＬＭＡＮ:               Ａｓ               ｔｏ               Ｅｎｒｏｎ'ｓ               ｃｏｌｌａｐｓｅ,               ｓａｙｓ               Ｒｉｔｔｅｒ...                ＥＬＩＺＡＢＥＴＨ               ＲＩＴＴＥＲ:               Ｔｈｅｒｅ               ｉｓ               ｃｅｒｔａｉｎｌｙ               ａ               ｐｅｒｃｅｉｖｅｄ               ｐｒｏｂｌｅｍ               ｗｉｔｈ               ａｃｃｏｕｎｔｉｎｇ               ａｎｄ               ｄｉｓｃｌｏｓｕｒｅ               ｉｓｓｕｅｓ               ａｎｄ               ａｕｄｉｔｉｎｇ               ｉｓｓｕｅｓ. Ｔｈａｔ'ｓ               ａ               ｃｏｍｐｌｅｔｅｌｙ               ｓｅｐａｒａｔｅ               ｉｓｓｕｅ               ｆｒｏｍ               ｔｈｅ               ｔｒａｄｉｎｇ               ｐａｒａｄｉｇｍ.                ＰＡＵＬ               ＳＯＬＭＡＮ:               Ａｎｄ               ｔｒａｄｉｎｇ               ｉｓ               ｗｈａｔ               ｔｈｅ               ＣＦＴＣ               ｒｅｇｕｌａｔｅｓ. Ｂｕｔ               ｔｈｅ               ｋｉｎｄ               ｏｆ               ｔｒａｄｉｎｇ               Ｅｎｒｏｎ               ｗａｓ               ｐｉｏｎｅｅｒｉｎｇ               ｂｅｃａｍｅ               ａ               ｓｅｐａｒａｔｅ               ｉｓｓｕｅ               ｏｕｔｓｉｄｅ               ｔｈｅ               ＣＦＴＣ'ｓ               ｊｕｒｉｓｄｉｃｔｉｏｎ               ｆｏｒ               ａ               ｓｉｍｐｌｅ               ｒｅａｓｏｎ,               ｓａｙｓ               Ｇｒｅｅｎｂｅｒｇｅｒ:               Ｔｈａｔ'ｓ               ｔｈｅ               ｗａｙ               Ｃｏｎｇｒｅｓｓ               ｗａｎｔｅｄ               ｉｔ.                ＰＡＵＬ               ＳＯＬＭＡＮ:               Ｗｈａｔ               ｈａｐｐｅｎｓ? Ａ               Ｃｏｎｇｒｅｓｓｐｅｒｓｏｎ               ｃａｌｌｓ               ｏｎ               ｔｈｅ               ｐｈｏｎｅ               ａｎｄ               ｓａｙｓ,               "Ｈｅｙ,               ｙｏｕ               ｇｕｙｓ,               Ｉ               ｈｅａｒ               ｗｈａｔ               ｙｏｕ               ａｒｅ               ｔａｌｋｉｎｇ               ａｂｏｕｔ;               ｆｏｒｇｅｔ               ｉｔ"? Ｉ               ｍｅａｎ...                ＭＩＣＨＡＥＬ               ＧＲＥＥＮＢＥＲＧＥＲ,               Ｆｏｒｍｅｒ               ＣＦＴＣ               Ｌａｗｙｅｒ:               Ｗｈａｔ               ｈａｐｐｅｎｓ               ｉｓ,               ｎｏｔ               ａ               Ｃｏｎｇｒｅｓｓｐｅｒｓｏｎ,               ｂｕｔ               ｆｉｖｅ               ｄｉｆｆｅｒｅｎｔ               ｃｏｍｍｉｔｔｅｅｓ               ｈａｖｅ               ｈｅａｒｉｎｇｓ,               ｃａｌｌ               ｙｏｕ               ｕｐ,               ａｓｋ               ｙｏｕ               ｔｏ               ｔｅｓｔｉｆｙ,               ａｎｄ               ｓｃｒｅａｍ               ａｔ               ｙｏｕ               ｆｏｒ               ｉｎｔｅｒｆｅｒｉｎｇ               ｗｉｔｈ               ｔｈｅ               ｆｒｅｅ               ｍａｒｋｅｔ               ｓｙｓｔｅｍ;               ｔｈａｔ               ｙｏｕ'ｒｅ               ｓｌｏｗｉｎｇ               ｄｏｗｎ               ｔｈｅ               Ａｍｅｒｉｃａｎ               ｅｃｏｎｏｍｙ               ｂｙ               ｔｒｙｉｎｇ               ｔｏ               ｇｅｔ               ｓｏｍｅ               ｔｒａｎｓｐａｒｅｎｃｙ               ｉｎ               ｔｈｅ               ｓｙｓｔｅｍ. Ｔｈｅ               ｂａｎｋｓ               ａｎｄ               ｔｈｅ               ｃｏｒｐｏｒａｔｉｏｎｓ               ａｒｅ               ｓａｙｉｎｇ,               "Ｈｅｙ,               ｈｏｗ               ｃａｎ               ｔｈｅｓｅ               ｆｅｄｅｒａｌ               ｆｉｎａｎｃｉａｌ               ｒｅｇｕｌａｔｏｒｓ               ｄｏ               ｔｈｉｓ? Ｗｅ'ｒｅ               ｖｅｒｙ               ｓｏｐｈｉｓｔｉｃａｔｅｄ               ｐｅｏｐｌｅ. Ｗｅ               ｄｏｎ'ｔ               ｎｅｅｄ               ｔｏ               ｂｅ               ｒｅｇｕｌａｔｅｄ."... (Ｈｏｗ               ｉｓ               ｔｈａｔ               ｗｏｒｋｉｎ'               ｏｕｔ               ｆｏｒ               ｙａ? ...ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ)                Ｗｅ               ｈａｖｅ               ａｎ               ａｎｓｗｅｒ               ｔｏ               ｔｈｅ               ｌａｓｔ               ｑｕｅｓｔｉｏｎ! Ｇｏ               ａｈｅａｄ,               ｃａｌｌｅｒ!                Ｏｎ               Ａｐｒｉｌ               28,               2003,               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               (ＳＥＣ),               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ａｓｓｏｃｉａｔｉｏｎ               ｏｆ               Ｓｅｃｕｒｉｔｉｅｓ               Ｄｅａｌｅｒｓ               (ＮＡＳＤ),               ｔｈｅ               Ｎｅｗ               Ｙｏｒｋ               Ｓｔｏｃｋ               Ｅｘｃｈａｎｇｅ               (ＮＹＳＥ),               Ｎｅｗ               Ｙｏｒｋ               Ｓｔａｔｅ               Ａｔｔｏｒｎｅｙ               Ｇｅｎｅｒａｌ               Ｅｌｉｏｔ               Ｓｐｉｔｚｅｒ               ａｎｄ               ｏｔｈｅｒ               ｓｔａｔｅ               ｒｅｇｕｌａｔｏｒｓ               ａｎｎｏｕｎｃｅｄ               ａ               ｆｉｎａｌ               $1.4               ｂｉｌｌｉｏｎ               ｓｅｔｔｌｅｍｅｎｔ               ａｇｒｅｅｍｅｎｔ               ｒｅａｃｈｅｄ               ｗｉｔｈ               10               Ｗａｌｌ               Ｓｔｒｅｅｔ               ｆｉｒｍｓ               ｉｎ               ｔｈｅｉｒ               ｉｎｖｅｓｔｉｇａｔｉｏｎ               ｉｎｔｏ               Ｗａｌｌ               Ｓｔｒｅｅｔ               ｃｏｎｆｌｉｃｔｓ               ｏｆ               ｉｎｔｅｒｅｓｔ.                Ｉｎ               ｔｈｅ               ｓｅｔｔｌｅｍｅｎｔ,               ｔｈｅ               10               ｆｉｒｍｓ               ａｇｒｅｅｄ               ｔｏ               ｍａｋｅ               ｓｉｇｎｉｆｉｃａｎｔ               ｓｔｒｕｃｔｕｒａｌ               ｃｈａｎｇｅｓ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｉｎｓｕｌａｔｅ               ｔｈｅｉｒ               ｒｅｓｅａｒｃｈ               ｄｅｐａｒｔｍｅｎｔｓ               ｆｒｏｍ               ｔｈｅｉｒ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｉｎｇ               ｄｅｐａｒｔｍｅｎｔｓ. Ａｍｏｎｇ               ｔｈｅｓｅ               ｃｈａｎｇｅｓ               ａｒｅ:                Ｔｈｅｙ               ａｇｒｅｅｄ               ｔｏ               ｐｈｙｓｉｃａｌｌｙ               ｓｅｐａｒａｔｅ               ｔｈｅ               ｒｅｓｅａｒｃｈ               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｉｎｇ               ｄｅｐａｒｔｍｅｎｔｓ               ｗｉｔｈｉｎ               ａｎ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋ               ｔｏ               ｐｒｅｖｅｎｔ               ｔｈｅ               ｅｘｃｈａｎｇｅ               ｏｆ               ｉｎｆｏｒｍａｔｉｏｎ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｄｉｖｉｓｉｏｎｓ.                Ｔｈｅｙ               ａｇｒｅｅｄ               ｔｈａｔ               ｆｒｏｍ               ｎｏｗ               ｏｎ,               ｓｅｎｉｏｒ               ｍａｎａｇｅｍｅｎｔ               ｗｏｕｌｄ               ｓｅｔ               ｔｈｅ               ｆｉｒｍ'ｓ               ｒｅｓｅａｒｃｈ               ｂｕｄｇｅｔ               ｗｉｔｈｏｕｔ               ｔａｋｉｎｇ               ｉｎｖｅｓｔｍｅｎｔ-ｂａｎｋｉｎｇ               ｒｅｖｅｎｕｅｓ               ｉｎｔｏ               ｃｏｎｓｉｄｅｒａｔｉｏｎ.                Ｔｈｅｙ               ａｇｒｅｅｄ               ｔｏ               ｎｏｔ               ｄｉｒｅｃｔｌｙ               ｏｒ               ｉｎｄｉｒｅｃｔｌｙ               ｌｉｎｋ               ｒｅｓｅａｒｃｈ               ａｎａｌｙｓｔｓ'               ｃｏｍｐｅｎｓａｔｉｏｎ               ｔｏ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｉｎｇ               ｒｅｖｅｎｕｅｓ.                Ｔｈｅｙ               ａｇｒｅｅｄ               ｔｈａｔ               ｔｈｅ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｉｎｇ               ｓｉｄｅ               ｗｏｕｌｄ               ｈａｖｅ               ｎｏ               ｉｎｐｕｔ               ｉｎｔｏ               ａｎａｌｙｓｔｓ'               ｒａｔｉｎｇｓ               ｏｎ               ａ               ｃｏｒｐｏｒａｔｅ               ｂａｎｋｉｎｇ               ｃｌｉｅｎｔ.                Ｔｈｅｙ               ａｇｒｅｅｄ               ｔｏ               ｐｒｏｈｉｂｉｔ               ｒｅｓｅａｒｃｈ               ａｎａｌｙｓｔｓ               ｆｒｏｍ               ｓｏｌｉｃｉｔｉｎｇ               ｉｎｖｅｓｔｍｅｎｔ-ｂａｎｋｉｎｇ               ｂｕｓｉｎｅｓｓ.                Ｔｗｏ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｗｅｌｌ               ｋｎｏｗｎ               ａｎａｌｙｓｔｓ,               ｗｈｏ               ｃａｍｅ               ｔｏ               ｓｙｍｂｏｌｉｚｅ               ｔｈｅ               ｃｏｎｆｌｉｃｔｓ               ｏｆ               ｉｎｔｅｒｅｓｔ               ｏｆ               ｔｈｅ               1990ｓ               ｂｕｌｌ               ｍａｒｋｅｔ,               ｗｅｒｅ               ｆｉｎｅｄ               ａｎｄ               ｂａｎｎｅｄ               ｆｏｒ               ｌｉｆｅ               ｆｒｏｍ               ｔｈｅ               ｓｅｃｕｒｉｔｉｅｓ               ｉｎｄｕｓｔｒｙ. Ｈｅｎｒｙ               Ｂｌｏｄｇｅｔ               ｏｆ               Ｍｅｒｒｉｌｌ               Ｌｙｎｃｈ               ｗａｓ               ｏｒｄｅｒｅｄ               ｔｏ               ｐａｙ               $4               ｍｉｌｌｉｏｎ               ｉｎ               ｆｉｎｅｓ               ａｎｄ               Ｊａｃｋ               Ｇｒｕｂｍａｎ               ｏｆ               Ｓａｌｏｍｏｎ               Ｓｍｉｔｈ               Ｂａｒｎｅｙ               ｗａｓ               ｏｒｄｅｒｅｄ               ｔｏ               ｐａｙ               $15               ｍｉｌｌｉｏｎ               ａｓ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｔｅｒｍｓ               ｏｆ               ｔｈｅ               ｓｅｔｔｌｅｍｅｎｔ. Ｉｎ               ａｄｄｉｔｉｏｎ,               Ｓａｎｆｏｒｄ               Ｉ. Ｗｅｉｌｌ,               ＣＥＯ               ｏｆ               Ｃｉｔｉｇｒｏｕｐ,               ｗａｓ               ｂａｎｎｅｄ               ｆｒｏｍ               ｔａｌｋｉｎｇ               ｔｏ               ｈｉｓ               ｆｉｒｍ'ｓ               ａｎａｌｙｓｔｓ               ａｂｏｕｔ               ｔｈｅｉｒ               ｒｅｓｅａｒｃｈ               ｏｕｔｓｉｄｅ               ｏｆ               ｔｈｅ               ｐｒｅｓｅｎｃｅ               ｏｆ               ｃｏｍｐａｎｙ               ｌａｗｙｅｒｓ. (Ｄｏ               ｙｏｕ               ｒｅｍｅｍｂｅｒ               ｔｈｉｓ               ｍａｎ'ｓ               ｐａｒｔ               ｉｎ               ｔｈｅ               ｒｅｐｅａｌ               ｏｆ               ｌｅｇｉｓｌａｔｉｏｎ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｐｒｏｔｅｃｔ               ＵＳ? Ｄｏ               ａｎｙ               ｏｆ               ｔｈｅ               ｏｔｈｅｒ               ｎａｍｅｓ               ｓｏｕｎｄ               ｆａｍｉｌｉａｒ?....ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ)                Ｔｈｅ               ｓｅｔｔｌｅｍｅｎｔ               ａｇｒｅｅｍｅｎｔ               ｒｅｑｕｉｒｅｄ               ｔｈｅ               ｆｉｒｍｓ               ｔｏ               ｓｅｔ               ｕｐ               ｃｏｎｔｒａｃｔｓ               ｗｉｔｈ               ａｔ               ｌｅａｓｔ               ｔｈｒｅｅ               ｉｎｄｅｐｅｎｄｅｎｔ               ｒｅｓｅａｒｃｈ               ｆｉｒｍｓ               ｔｏ               ｍａｋｅ               ｉｎｄｅｐｅｎｄｅｎｔ               ｒｅｓｅａｒｃｈ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｅｉｒ               ｃｕｓｔｏｍｅｒｓ. Ｉｎ               ａｄｄｉｔｉｏｎ,               ｓｅｖｅｎ               ｏｆ               ｔｈｅ               ｆｉｒｍｓ               ａｇｒｅｅｄ               ｔｏ               ｐａｙ               $80               ｍｉｌｌｉｏｎ               ｔｏ               ｆｕｎｄ               ｉｎｖｅｓｔｏｒ               ｅｄｕｃａｔｉｏｎ               ｐｒｏｇｒａｍｓ,               ａｎｄ               $387               ｍｉｌｌｉｏｎ               ｏｆ               ｔｈｅ               $1.4               ｂｉｌｌｉｏｎ               ｗａｓ               ｄｅｓｉｇｎａｔｅｄ               ｔｏ               ａ               ｒｅｓｔｉｔｕｔｉｏｎ               ｆｕｎｄ               ｆｏｒ               ｉｎｖｅｓｔｏｒｓ.                Ｔｈｅ               ｔｅｎ               ｆｉｒｍｓ               ａｌｓｏ               ｖｏｌｕｎｔａｒｉｌｙ               ａｇｒｅｅｄ               ｔｏ               ｂａｎ               ｔｈｅ               ｐｒａｃｔｉｃｅ               ｋｎｏｗｎ               ａｓ               "ｓｐｉｎｎｉｎｇ"               --               ｔｈｅ               ａｌｌｏｃａｔｉｏｎ               ｏｆ               ｈｏｔ               ｉｎｉｔｉａｌ               ｐｕｂｌｉｃ               ｏｆｆｅｒｉｎｇ               (ＩＰＯ)               ｓｔｏｃｋｓ               ｔｏ               ｃｏｒｐｏｒａｔｅ               ｂａｎｋｉｎｇ               ｃｌｉｅｎｔｓ. Ｔｈｅ               ｓｅｔｔｌｅｍｅｎｔ               ｓｉｎｇｌｅｄ               ｏｕｔ               Ｓａｌｏｍｏｎ               Ｓｍｉｔｈ               Ｂａｒｎｅｙ               ａｎｄ               Ｃｒｅｄｉｔ               Ｓｕｉｓｓｅ               Ｆｉｒｓｔ               Ｂｏｓｔｏｎ               ａｓ               ｐａｒｔｉｃｕｌａｒｌｙ               ｈａｖｉｎｇ               ｅｎｇａｇｅｄ               ｉｎ               ｔｈｉｓ               ｐｒａｃｔｉｃｅ.                Ｓｏｕｒｃｅ:               ＳＥＣ                ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｎｅｗｓ/ｓｐｅｅｃｈ/ｆａｃｔｓｈｅｅｔ.ｈｔｍ                (Ｇｅｅ,               ｔｈｉｓ               ｉｓ               ｏｎｌｙ               ｔｈｒｅｅ               ａｎｄ               4               ｍｏｎｔｈｓ               ａｆｔｅｒ               ｔｈｅ               ｐａｓｓａｇｅ               ｏｆ               ｔｈｅ               Ｇ-Ｌ-Ｂ               ＦＭＡ               ｏｆ               1999,               ｂｕｔ               ｉｔ               ｗａｓ               ｅｎｏｕｇｈ               ｔｏ               ｉｎｓｐｉｒｅ               ａ               ｃｏｍｍｉｓｓｉｏｎ               ｔｏ               ｓｅｔｔｌｅ               ｔｈｅ               ｒｅｇｕｌａｔｏｒｙ               ｐａｒａｍｅｔｅｒｓ               ｆｏｒ               ｔｈｅ               ＳＥＣ               ａｎｄ               ＣＦＴＣ...ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ)                ________________________________________________________________________                Ｊｕｎｅ               10,               2005,               1:04ｐｍ               ＥＤＴ                ＣＩＴＩＧＲＯＵＰ               ＳＥＴＴＬＥＳ               ＥＮＲＯＮ               ＬＡＷＳＵＩＴ               ＦＯＲ               $2               ＢＩＬＬＩＯＮ                Ｃｉｔｉｇｒｏｕｐ               Ｉｎｃ.,               ｔｈｅ               ｎａｔｉｏｎ'ｓ               ｂｉｇｇｅｓｔ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎ,               ｈａｓ               ａｇｒｅｅｄ               ｔｏ               ｐａｙ               $2               ｂｉｌｌｉｏｎ               ｔｏ               ｉｎｖｅｓｔｏｒｓ               ｉｎ               ａ               ｃｌａｓｓ-ａｃｔｉｏｎ               ｌａｗｓｕｉｔ               ａｃｃｕｓｉｎｇ               ｔｈｅ               ｃｏｍｐａｎｙ               ｏｆ               ｈｅｌｐｉｎｇ               ｅｎｅｒｇｙ               ｇｉａｎｔ               Ｅｎｒｏｎ               ｄｏｃｔｏｒ               ｉｔｓ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｃｒｅａｔｅ               ｏｆｆ-ｔｈｅ-ｂｏｏｋｓ               ｐａｒｔｎｅｒｓｈｉｐｓ...                ... Ｃｉｔｉｇｒｏｕｐ               Ｃｈｉｅｆ               Ｅｘｅｃｕｔｉｖｅ               Ｃｈａｒｌｅｓ               Ｐｒｉｎｃｅ,               ｗｈｏ               ｔｏｏｋ               ｏｖｅｒ               ｉｎ               2003,               ｓａｉｄ               ｉｔ               ｗａｓ               ａ               ｋｅｙ               ｐｒｉｏｒｉｔｙ               ｆｏｒ               ｔｈｅ               ｂａｎｋ               ｔｏ               ｒｅｓｏｌｖｅ               ｍａｊｏｒ               ｃａｓｅｓ               ｌｉｋｅ               ｔｈｉｓ               ｏｎｅ               ａｎｄ               "ｔｏ               ｐｕｔ               ａ               ｄｉｆｆｉｃｕｌｔ               ｃｈａｐｔｅｒ               ｉｎ               ｏｕｒ               ｈｉｓｔｏｒｙ               ｂｅｈｉｎｄ               ｕｓ."                Ｏｎｌｉｎｅ               ＮｅｗｓＨｏｕｒ               Ｓｐｅｃｉａｌ               Ｒｅｐｏｒｔ:               Ｅｎｒｏｎ               Ａｆｔｅｒ               ｔｈｅ               Ｃｏｌｌａｐｓｅ                (Ｆｉｖｅ               ａｎｄ               ａ               ｈａｌｆ               ｙｅａｒｓ...ａｎｄ               ｃｏｕｎｔｉｎｇ...ｕｎｃｌｅｔｕｍｂｌｅｗｅｅｄ)                Ｎｏｗ               ｌｅｔ               ｕｓ               ａｄｄｒｅｓｓ               ｔｈｅ               ｃｌａｉｍ               ｔｈａｔ               "ｔｈｅ               ｓｕｂｊｅｃｔ               ｍａｔｔｅｒ               ｏｆ               ｔｈｅ               Ｐｒｏｐｏｓａｌ               ｈａｓ               ｎｏｔ               ａｔｔｒａｃｔｅｄ               ａ               ｃｏｍｐａｒａｔｉｖｅ               ｌｅｖｅｌ               ｏｆ               ａｔｔｅｎｔｉｏｎ               ｆｒｏｍ               ｔｈｅ               ｍｅｄｉａ,               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｄｅｇｒｅｅ               ｏｆ               ｐｕｂｌｉｃ               ｃｏｎｃｅｒｎ,               ｎｏｒ               ｈａｓ               ｔｈｅｒｅ               ｂｅｅｎ               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｉｎｃｒｅａｓｅ               ｉｎ               ｌｅｇｉｓｌａｔｉｖｅ               ａｎｄ/ｏｒ               ｒｅｇｕｌａｔｏｒｙ               ｉｎｉｔｉａｔｉｖｅｓ               ｕｎｄｅｒｔａｋｅｎ               ｉｎ               ｒｅｌａｔｉｏｎ               ｔｏ               ｔｈｅ               ｉｓｓｕｅ."                Ｔｈｉｓ               ｐａｒｔｉｃｕｌａｒ               ＳＥＣ               ｉｔｅｍ               ｏｆ               ｂｕｓｉｎｅｓｓ               ｉｓ               ｄｉｒｅｃｔｌｙ               ａｔｔｒｉｂｕｔａｂｌｅ               ｔｏ               ｔｈｅ               Ｃｏｍｍｏｄｉｔｙ               Ｆｕｔｕｒｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ,               ａｎｄ               ｅｖｅｎ               ｉｎｃｌｕｄｅｓ               ｌｉｎｋｓ               ｆｏｒ               ｏｆｆｅｒｉｎｇ               ｙｏｕｒ               ｆｅｅｄｂａｃｋ               ａｎｄ               ｉｎｐｕｔ.                ＳＥＣＵＲＩＴＩＥＳ               ＡＮＤ               ＥＸＣＨＡＮＧＥ               ＣＯＭＭＩＳＳＩＯＮ                17               ＣＦＲ               ＰＡＲＴＳ               230,               240               ａｎｄ               260                [Ｒｅｌｅａｓｅ               Ｎｏｓ. 33-8999;               34-59246;               39-2549;               Ｆｉｌｅ               Ｎｏ. Ｓ7-02-09]                ＲＩＮ               3235-ＡＫ26                Ｔｅｍｐｏｒａｒｙ               Ｅｘｅｍｐｔｉｏｎｓ               ｆｏｒ               Ｅｌｉｇｉｂｌｅ               Ｃｒｅｄｉｔ               Ｄｅｆａｕｌｔ               Ｓｗａｐｓ               Ｔｏ               Ｆａｃｉｌｉｔａｔｅ               Ｏｐｅｒａｔｉｏｎ               ｏｆ               Ｃｅｎｔｒａｌ               Ｃｏｕｎｔｅｒｐａｒｔｉｅｓ               Ｔｏ               Ｃｌｅａｒ               ａｎｄ               Ｓｅｔｔｌｅ               Ｃｒｅｄｉｔ               Ｄｅｆａｕｌｔ               Ｓｗａｐｓ                ＡＧＥＮＣＹ:               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ.                ＡＣＴＩＯＮ:               Ｉｎｔｅｒｉｍ               ｆｉｎａｌ               ｔｅｍｐｏｒａｒｙ               ｒｕｌｅｓ;               ｒｅｑｕｅｓｔ               ｆｏｒ               ｃｏｍｍｅｎｔｓ.                ＳＵＭＭＡＲＹ:               Ｗｅ               ａｒｅ               ａｄｏｐｔｉｎｇ               ｉｎｔｅｒｉｍ               ｆｉｎａｌ               ｔｅｍｐｏｒａｒｙ               ｒｕｌｅｓ               ｐｒｏｖｉｄｉｎｇ               ｅｘｅｍｐｔｉｏｎｓ               ｕｎｄｅｒ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ａｃｔ               ｏｆ               1933,               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ｅｘｃｈａｎｇｅ               Ａｃｔ               ｏｆ               1934,               ａｎｄ               ｔｈｅ               Ｔｒｕｓｔ               Ｉｎｄｅｎｔｕｒｅ               Ａｃｔ               ｏｆ               1939               ｆｏｒ               ｃｅｒｔａｉｎ               ｃｒｅｄｉｔ               ｄｅｆａｕｌｔ               ｓｗａｐｓ               ｔｏ               ｆａｃｉｌｉｔａｔｅ               ｔｈｅ               ｏｐｅｒａｔｉｏｎ               ｏｆ               ｏｎｅ               ｏｒ               ｍｏｒｅ               ｃｅｎｔｒａｌ               ｃｏｕｎｔｅｒｐａｒｔｉｅｓ               ｆｏｒ               ｔｈｏｓｅ               ｃｒｅｄｉｔ               ｄｅｆａｕｌｔ               ｓｗａｐｓ. Ｔｈｅ               ｉｎｔｅｒｉｍ               ｆｉｎａｌ               ｔｅｍｐｏｒａｒｙ               ｒｕｌｅｓ               ｄｅｆｉｎｅ               ｓｕｃｈ               ｃｒｅｄｉｔ               ｄｅｆａｕｌｔ               ｓｗａｐｓ               ａｓ               ''ｅｌｉｇｉｂｌｅ               ｃｒｅｄｉｔ               ｄｅｆａｕｌｔ               ｓｗａｐｓ''               ａｎｄ               ｅｘｅｍｐｔ               ｔｈｅｍ               ｆｒｏｍ               ａｌｌ               ｐｒｏｖｉｓｉｏｎｓ               ｏｆ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               Ａｃｔ,               ｏｔｈｅｒ               ｔｈａｎ               ｔｈｅ               Ｓｅｃｔｉｏｎ               17(ａ)               ａｎｔｉ-ｆｒａｕｄ               ｐｒｏｖｉｓｉｏｎｓ,               ａｓ               ｗｅｌｌ               ａｓ               ｆｒｏｍ               Ｅｘｃｈａｎｇｅ               Ａｃｔ               ｒｅｇｉｓｔｒａｔｉｏｎ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ａｎｄ               ｆｒｏｍ               ｔｈｅ               ｐｒｏｖｉｓｉｏｎｓ               ｏｆ               ｔｈｅ               Ｔｒｕｓｔ               Ｉｎｄｅｎｔｕｒｅ               Ａｃｔ,               ｐｒｏｖｉｄｅｄ               ｃｅｒｔａｉｎ               ｃｏｎｄｉｔｉｏｎｓ               ａｒｅ               ｍｅｔ....                ＤＡＴＥＳ:               Ｅｆｆｅｃｔｉｖｅ               Ｄａｔｅ:               Ｔｈｅ               ｉｎｔｅｒｉｍ               ｆｉｎａｌ               ｔｅｍｐｏｒａｒｙ               ｒｕｌｅｓ               ａｒｅ               ｅｆｆｅｃｔｉｖｅ               Ｊａｎｕａｒｙ               22,               2009               ｕｎｔｉｌ               Ｓｅｐｔｅｍｂｅｒ               25,               2009.                Ｃｏｍｍｅｎｔ               Ｄａｔｅ:               Ｃｏｍｍｅｎｔｓ               ｏｎ               ｔｈｅ               ｉｎｔｅｒｉｍ               ｆｉｎａｌ               ｔｅｍｐｏｒａｒｙ               ｒｕｌｅｓ               ｓｈｏｕｌｄ               ｂｅ               ｒｅｃｅｉｖｅｄ               ｏｎ               ｏｒ               ｂｅｆｏｒｅ               Ｍａｒｃｈ               23,               2009.                ＡＤＤＲＥＳＳＥＳ:               Ｃｏｍｍｅｎｔｓ               ｍａｙ               ｂｅ               ｓｕｂｍｉｔｔｅｄ               ｂｙ               ａｎｙ               ｏｆ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｍｅｔｈｏｄｓ:                Ｅｌｅｃｔｒｏｎｉｃ               Ｃｏｍｍｅｎｔｓ                •               Ｕｓｅ               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ'ｓ               Ｉｎｔｅｒｎｅｔ               ｃｏｍｍｅｎｔ               ｆｏｒｍ               ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/               ｒｕｌｅｓ/ｉｎｔｅｒｉｍ-ｆｉｎａｌ-ｔｅｍｐ.ｓｈｔｍ                •               Ｓｅｎｄ               ａｎ               ｅ-ｍａｉｌ               ｔｏ               ｒｕｌｅ-ｃｏｍｍｅｎｔｓ@ｓｅｃ.ｇｏｖ. Ｐｌｅａｓｅ               ｉｎｃｌｕｄｅ               Ｆｉｌｅ               Ｎｕｍｂｅｒ               Ｓ7-02-09               ｏｎ               ｔｈｅ               ｓｕｂｊｅｃｔ               ｌｉｎｅ;               ｏｒ                •               Ｕｓｅ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｕｌｅｍａｋｉｎｇ               Ｐｏｒｔａｌ               ｈｔｔｐ://ｗｗｗ.ｒｅｇｕｌａｔｉｏｎｓ.ｇｏｖ. Ｆｏｌｌｏｗ               ｔｈｅ               ｉｎｓｔｒｕｃｔｉｏｎｓ               ｆｏｒ               ｓｕｂｍｉｔｔｉｎｇ               ｃｏｍｍｅｎｔｓ.                Ｐａｐｅｒ               Ｃｏｍｍｅｎｔｓ                •               Ｓｅｎｄ               ｐａｐｅｒ               ｃｏｍｍｅｎｔｓ               ｉｎ               ｔｒｉｐｌｉｃａｔｅ               ｔｏ               Ｅｌｉｚａｂｅｔｈ               Ｍ. Ｍｕｒｐｈｙ,               Ｓｅｃｒｅｔａｒｙ,               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ,               100               Ｆ               Ｓｔｒｅｅｔ,               ＮＥ.,               Ｗａｓｈｉｎｇｔｏｎ,               ＤＣ               20549-1090.                Ａｌｌ               ｓｕｂｍｉｓｓｉｏｎｓ               ｓｈｏｕｌｄ               ｒｅｆｅｒ               ｔｏ               Ｆｉｌｅ               Ｎｕｍｂｅｒ               Ｓ7-02-09. Ｔｈｉｓ               ｆｉｌｅ               ｎｕｍｂｅｒ               ｓｈｏｕｌｄ               ｂｅ               ｉｎｃｌｕｄｅｄ               ｏｎ               ｔｈｅ               ｓｕｂｊｅｃｔ               ｌｉｎｅ               ｉｆ               ｅ-ｍａｉｌ               ｉｓ               ｕｓｅｄ. Ｔｏ               ｈｅｌｐ               ｕｓ               ｐｒｏｃｅｓｓ               ａｎｄ               ｒｅｖｉｅｗ               ｙｏｕｒ               ｃｏｍｍｅｎｔｓ               ｍｏｒｅ               ｅｆｆｉｃｉｅｎｔｌｙ,               ｐｌｅａｓｅ               ｕｓｅ               ｏｎｌｙ               ｏｎｅ               ｍｅｔｈｏｄ. Ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｗｉｌｌ               ｐｏｓｔ               ａｌｌ               ｃｏｍｍｅｎｔｓ               ｏｎ               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ'ｓ               Ｉｎｔｅｒｎｅｔ               Ｗｅｂ               ｓｉｔｅ               (ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｒｕｌｅｓ/ｉｎｔｅｒｉｍ-ｆｉｎａｌ-ｔｅｍｐ.ｓｈｔｍｌ). Ｃｏｍｍｅｎｔｓ               ａｒｅ               ａｌｓｏ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｐｕｂｌｉｃ               ｉｎｓｐｅｃｔｉｏｎ               ａｎｄ               ｃｏｐｙｉｎｇ               ｉｎ               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ'ｓ               Ｐｕｂｌｉｃ               Ｒｅｆｅｒｅｎｃｅ               Ｒｏｏｍ,               100               Ｆ               Ｓｔｒｅｅｔ,               ＮＥ.,               Ｗａｓｈｉｎｇｔｏｎ,               ＤＣ               20549,               ｏｎ               ｏｆｆｉｃｉａｌ               ｂｕｓｉｎｅｓｓ               ｄａｙｓ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｈｏｕｒｓ               ｏｆ               10               ａ.ｍ. ａｎｄ               3               ｐ.ｍ. Ａｌｌ               ｃｏｍｍｅｎｔｓ               ｒｅｃｅｉｖｅｄ               ｗｉｌｌ               ｂｅ               ｐｏｓｔｅｄ               ｗｉｔｈｏｕｔ               ｃｈａｎｇｅ;               ｗｅ               ｄｏ               ｎｏｔ               ｅｄｉｔ               ｐｅｒｓｏｎａｌ               ｉｄｅｎｔｉｆｙｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｒｏｍ               ｓｕｂｍｉｓｓｉｏｎｓ. Ｙｏｕ               ｓｈｏｕｌｄ               ｓｕｂｍｉｔ               ｏｎｌｙ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｙｏｕ               ｗｉｓｈ               ｔｏ               ｍａｋｅ               ａｖａｉｌａｂｌｅ               ｐｕｂｌｉｃｌｙ.                ...................................................................................................................................................................................................                Ｔｈｅ               Ｃｏｎｇｒｅｓｓｉｏｎａｌ               Ｏｖｅｒｓｉｇｈｔ               Ｐａｎｅｌ'ｓ               "Ｓｐｅｃｉａｌ               Ｒｅｐｏｒｔ               ｏｎ               Ｒｅｇｕｌａｔｏｒｙ               Ｒｅｆｏｒｍ"               (Ｊａｎｕａｒｙ,               2009)               ｂｅｇｉｎｓ               ｗｉｔｈ               ｔｈｉｓ               ｅｖａｌｕａｔｉｏｎ               ｏｆ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ.                Ｉ. Ｅｘｅｃｕｔｉｖｅ               Ｓｕｍｍａｒｙ                1. Ｌｅｓｓｏｎｓ               ｆｒｏｍ               ｔｈｅ               Ｐａｓｔ                Ｆｉｎａｎｃｉａｌ               ｃｒｉｓｅｓ               ａｒｅ               ｎｏｔ               ｎｅｗ. Ａｓ               ｅａｒｌｙ               ａｓ               1792,               ｄｕｒｉｎｇ               ｔｈｅ               ｐｒｅｓｉｄｅｎｃｙ               ｏｆ               Ｇｅｏｒｇｅ               Ｗａｓｈｉｎｇｔｏｎ,               ｔｈｅ               ｎａｔｉｏｎ               ｓｕｆｆｅｒｅｄ               ａ               ｓｅｖｅｒｅ               ｐａｎｉｃ               ｔｈａｔ               ｆｒｏｚｅ               ｃｒｅｄｉｔ               ａｎｄ               ｎｅａｒｌｙ               ｂｒｏｕｇｈｔ               ｔｈｅ               ｙｏｕｎｇ               ｅｃｏｎｏｍｙ               ｔｏ               ｉｔｓ               ｋｎｅｅｓ. Ｏｖｅｒ               ｔｈｅ               ｎｅｘｔ               140               ｙｅａｒｓ,               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｅｓ               ｓｔｒｕｃｋ               ｏｎ               ａ               ｒｅｇｕｌａｒ               ｂａｓｉｓ-ｉｎ               1797,               1819,               1837,               1857,               1873,               1893-96,               1907,               ａｎｄ               1929-33-ｒｏｕｇｈｌｙ               ｅｖｅｒｙ               ｆｉｆｔｅｅｎ               ｔｏ               ｔｗｅｎｔｙ               ｙｅａｒｓ. Ｂｕｔ               ａｓ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｅｍｅｒｇｅｄ               ｆｒｏｍ               ｔｈｅ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ,               ｓｏｍｅｔｈｉｎｇ               ｒｅｍａｒｋａｂｌｅ               ｈａｐｐｅｎｅｄ:               ｔｈｅ               ｃｒｉｓｅｓ               ｓｔｏｐｐｅｄ. Ｎｅｗ               ｆｉｎａｎｃｉａｌ               ｒｅｇｕｌａｔｉｏｎ-ｉｎｃｌｕｄｉｎｇ               ｆｅｄｅｒａｌ               ｄｅｐｏｓｉｔ               ｉｎｓｕｒａｎｃｅ,               ｓｅｃｕｒｉｔｉｅｓ               ｒｅｇｕｌａｔｉｏｎ,               ａｎｄ               ｂａｎｋｉｎｇ               ｓｕｐｅｒｖｉｓｉｏｎ-ｅｆｆｅｃｔｉｖｅｌｙ               ｐｒｏｔｅｃｔｅｄ               ｔｈｅ               ｓｙｓｔｅｍ               ｆｒｏｍ               ｄｅｖａｓｔａｔｉｎｇ               ｏｕｔｂｒｅａｋｓ. Ｅｃｏｎｏｍｉｃ               ｇｒｏｗｔｈ               ｒｅｔｕｒｎｅｄ,               ｂｕｔ               ｒｅｃｕｒｒｅｎｔ               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｅｓ               ｄｉｄ               ｎｏｔ. Ｉｎ               ｔｉｍｅ,               ａ               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｉｓ               ｗａｓ               ｓｅｅｎ               ａｓ               ａ               ｇｈｏｓｔ               ｏｆ               ｔｈｅ               ｐａｓｔ. Ａｆｔｅｒ               ｆｉｆｔｙ               ｙｅａｒｓ               ｗｉｔｈｏｕｔ               ａ               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｉｓ-ｔｈｅ               ｌｏｎｇｅｓｔ               ｓｕｃｈ               ｓｔｒｅｔｃｈ               ｉｎ               ｔｈｅ               ｎａｔｉｏｎ'ｓ               ｈｉｓｔｏｒｙ-ｆｉｎａｎｃｉａｌ               ｆｉｒｍｓ               ａｎｄ               ｐｏｌｉｃｙ               ｍａｋｅｒｓ               ｂｅｇａｎ               ｔｏ               ｓｅｅ               ｒｅｇｕｌａｔｉｏｎ               ａｓ               ａ               ｂａｒｒｉｅｒ               ｔｏ               ｅｆｆｉｃｉｅｎｔ               ｆｕｎｃｔｉｏｎｉｎｇ               ｏｆ               ｔｈｅ               ｃａｐｉｔａｌ               ｍａｒｋｅｔｓ               ｒａｔｈｅｒ               ｔｈａｎ               ａ               ｎｅｃｅｓｓａｒｙ               ｐｒｅｃｏｎｄｉｔｉｏｎ               ｆｏｒ               ｓｕｃｃｅｓｓ. Ｔｈｉｓ               ｃｈａｎｇｅ               ｉｎ               ａｔｔｉｔｕｄｅ               ｈａｄ               ｕｎｆｏｒｔｕｎａｔｅ               ｃｏｎｓｅｑｕｅｎｃｅｓ. Ａｓ               ｆｉｎａｎｃｉａｌ               ｍａｒｋｅｔｓ               ｇｒｅｗ               ａｎｄ               ｇｌｏｂａｌｉｚｅｄ,               ｏｆｔｅｎ               ｗｉｔｈ               ｂｒｅａｔｈｔａｋｉｎｇ               ｓｐｅｅｄ,               ｔｈｅ               Ｕ.Ｓ. ｒｅｇｕｌａｔｏｒｙ               ｓｙｓｔｅｍ               ｃｏｕｌｄ               ｈａｖｅ               ｂｅｎｅｆｉｔｅｄ               ｆｒｏｍ               ｓｍａｒｔ               ｃｈａｎｇｅｓ. Ｂｕｔ               ｄｅｒｅｇｕｌａｔｉｏｎ               ａｎｄ               ｔｈｅ               ｇｒｏｗｔｈ               ｏｆ               ｕｎｒｅｇｕｌａｔｅｄ,               ｐａｒａｌｌｅｌ               ｓｈａｄｏｗ               ｍａｒｋｅｔｓ               ｗｅｒｅ               ａｃｃｏｍｐａｎｉｅｄ               ｂｙ               ｔｈｅ               ｎｅａｒｌｙ               ｕｎｒｅｓｔｒｉｃｔｅｄ               ｍａｒｋｅｔｉｎｇ               ｏｆ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｃｏｍｐｌｅｘ               ｃｏｎｓｕｍｅｒ               ｆｉｎａｎｃｉａｌ               ｐｒｏｄｕｃｔｓ               ｔｈａｔ               ｍｕｌｔｉｐｌｉｅｄ               ｒｉｓｋ               ａｔ               ｅｖｅｒｙ               ｓｔｒａｔｕｍ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｙ,               ｆｒｏｍ               ｔｈｅ               ｆａｍｉｌｙ               ｌｅｖｅｌ               ｔｏ               ｔｈｅ               ｇｌｏｂａｌ               ｌｅｖｅｌ. Ｔｈｅ               ｒｅｓｕｌｔ               ｐｒｏｖｅｄ               ｄｉｓａｓｔｒｏｕｓ. Ｔｈｅ               ｆｉｒｓｔ               ｗａｒｎｉｎｇ               ｆｏｌｌｏｗｅｄ               ｄｅｒｅｇｕｌａｔｉｏｎ               ｏｆ               ｔｈｅ               ｔｈｒｉｆｔｓ,               ｗｈｅｎ               ｔｈｅ               ｃｏｕｎｔｒｙ               ｓｕｆｆｅｒｅｄ               ｔｈｅ               ｓａｖｉｎｇｓ               ａｎｄ               ｌｏａｎ               ｃｒｉｓｉｓ               ｉｎ               ｔｈｅ               1980ｓ. Ａ               ｓｅｃｏｎｄ               ｗａｒｎｉｎｇ               ｃａｍｅ               ｉｎ               1998               ｗｈｅｎ               ａ               ｃｒｉｓｉｓ               ｗａｓ               ｏｎｌｙ               ｎａｒｒｏｗｌｙ               ａｖｅｒｔｅｄ               ｆｏｌｌｏｗｉｎｇ               ｔｈｅ               ｆａｉｌｕｒｅ               ｏｆ               ａ               ｌａｒｇｅ               ｕｎｒｅｇｕｌａｔｅｄ               ｈｅｄｇｅ               ｆｕｎｄ. Ｔｈｅ               ｎｅａｒ               ｆｉｎａｎｃｉａｌ               ｐａｎｉｃ               ｏｆ               2002,               ｂｒｏｕｇｈｔ               ｏｎ               ｂｙ               ｃｏｒｐｏｒａｔｅ               ａｃｃｏｕｎｔｉｎｇ               ａｎｄ               ｇｏｖｅｒｎａｎｃｅ               ｆａｉｌｕｒｅｓ,               ｓｏｕｎｄｅｄ               ａ               ｔｈｉｒｄ               ｗａｒｎｉｎｇ. Ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｎｏｗ               ｆａｃｅｓ               ｉｔｓ               ｗｏｒｓｔ               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｉｓ               ｓｉｎｃｅ               ｔｈｅ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ. Ｉｔ               ｉｓ               ｃｒｉｔｉｃａｌ               ｔｈａｔ               ｔｈｅ               ｌｅｓｓｏｎｓ               ｏｆ               ｔｈａｔ               ｃｒｉｓｉｓ               ｂｅ               ｓｔｕｄｉｅｄ               ｔｏ               ｒｅｓｔｏｒｅ               ａ               ｐｒｏｐｅｒ               ｂａｌａｎｃｅ               ｂｅｔｗｅｅｎ               ｆｒｅｅ               ｍａｒｋｅｔｓ               ａｎｄ               ｔｈｅ               ｒｅｇｕｌａｔｏｒｙ               ｆｒａｍｅｗｏｒｋ               ｎｅｃｅｓｓａｒｙ               ｔｏ               ｅｎｓｕｒｅ               ｔｈｅ               ｏｐｅｒａｔｉｏｎ               ｏｆ               ｔｈｏｓｅ               ｍａｒｋｅｔｓ               ｔｏ               ｐｒｏｔｅｃｔ               ｔｈｅ               ｅｃｏｎｏｍｙ,               ｈｏｎｅｓｔ               ｍａｒｋｅｔ               ｐａｒｔｉｃｉｐａｎｔｓ,               ａｎｄ               ｔｈｅ               ｐｕｂｌｉｃ.                2. Ｓｈｏｒｔｃｏｍｉｎｇｓ               ｏｆ               ｔｈｅ               Ｐｒｅｓｅｎｔ               Ｔｈｅ               ｃｕｒｒｅｎｔ               ｃｒｉｓｉｓ               ｓｈｏｕｌｄ               ｃｏｍｅ               ａｓ               ｎｏ               ｓｕｒｐｒｉｓｅ. Ｔｈｅ               ｐｒｅｓｅｎｔ               ｒｅｇｕｌａｔｏｒｙ               ｓｙｓｔｅｍ               ｈａｓ               ｆａｉｌｅｄ               ｔｏ               ｅｆｆｅｃｔｉｖｅｌｙ               ｍａｎａｇｅ               ｒｉｓｋ,               ｒｅｑｕｉｒｅ               ｓｕｆｆｉｃｉｅｎｔ               ｔｒａｎｓｐａｒｅｎｃｙ,               ａｎｄ               ｅｎｓｕｒｅ               ｆａｉｒ               ｄｅａｌｉｎｇｓ.                ___________________________________________________________________________________                               Ｔｈｉｓ               ｒｅｓｅａｒｃｈ               ｈａｓ               ｒｅａｆｆｉｒｍｅｄ               ｍｙ               ｆａｉｔｈ               ｉｎ               Ｇｏｄ,               ａｎｄ               ｔｈａｔ               ＷＥ               ａｒｅ               ｓｕｐｐｏｓｅｄ               ｔｏ               ｑｕｅｓｔｉｏｎ               ｗｈｅｔｈｅｒ               ｔｈｅｓｅ               ｆｉｎａｎｃｉａｌ               ｍａｔｔｅｒｓ               ａｒｅ               ｂｅｉｎｇ               ｐｒｏｐｅｒｌｙ               ｉｎｖｅｓｔｉｇａｔｅｄ.                ＳＥＣＵＲＩＴＩＥＳ               ＡＮＤ               ＥＸＣＨＡＮＧＥ               ＣＯＭＭＩＳＳＩＯＮ               17               ＣＦＲ               Ｐａｒｔｓ               240               ａｎｄ               249ｂ               [Ｒｅｌｅａｓｅ               Ｎｏ. 34-57967;               Ｆｉｌｅ               Ｎｏ. Ｓ7-13-08]               ＲＩＮ               3235-ＡＫ14               Ｐｒｏｐｏｓｅｄ               Ｒｕｌｅｓ               ｆｏｒ               Ｎａｔｉｏｎａｌｌｙ               Ｒｅｃｏｇｎｉｚｅｄ               Ｓｔａｔｉｓｔｉｃａｌ               Ｒａｔｉｎｇ               Ｏｒｇａｎｉｚａｔｉｏｎｓ               ＡＧＥＮＣＹ:               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               ("Ｃｏｍｍｉｓｓｉｏｎ").                Ｏｎ               ｐａｇｅ               1/168,               Ｉ               ｃａｍｅ               ａｃｒｏｓｓ               ｔｈｉｓ               ｌｉｔｔｌｅ               ｇｅｍ               ｆｒｏｍ               ｔｈｅ               ＳＥＣ,                               ＡＣＴＩＯＮ:               Ｐｒｏｐｏｓｅｄ               ｒｕｌｅ.                ＳＵＭＭＡＲＹ:               Ｔｏｄａｙ,               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｏｆ               ｔｈｒｅｅ               ｒｅｌａｔｅｄ               ａｃｔｉｏｎｓ               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｉｓ               ｐｒｏｐｏｓｉｎｇ               ｒｕｌｅ               ａｍｅｎｄｍｅｎｔｓ               ｔｈａｔ               ｗｏｕｌｄ               ｉｍｐｏｓｅ               ａｄｄｉｔｉｏｎａｌ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｏｎ               ｎａｔｉｏｎａｌｌｙ               ｒｅｃｏｇｎｉｚｅｄ               ｓｔａｔｉｓｔｉｃａｌ               ｒａｔｉｎｇ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ("ＮＲＳＲＯｓ")               ｉｎ               ｏｒｄｅｒ               ｔｏ               ａｄｄｒｅｓｓ               ｃｏｎｃｅｒｎｓ               ａｂｏｕｔ               ｔｈｅ               ｉｎｔｅｇｒｉｔｙ               ｏｆ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ｐｒｏｃｅｄｕｒｅｓ               ａｎｄ               ｍｅｔｈｏｄｏｌｏｇｉｅｓ               ｉｎ               ｔｈｅ               ｌｉｇｈｔ               ｏｆ               ｔｈｅ               ｒｏｌｅ               ｔｈｅｙ               ｐｌａｙｅｄ               ｉｎ               ｄｅｔｅｒｍｉｎｉｎｇ               ｃｒｅｄｉｔ               ｒａｔｉｎｇｓ               ｆｏｒ               ｓｅｃｕｒｉｔｉｅｓ               ｃｏｌｌａｔｅｒａｌｉｚｅｄ               ｂｙ               ｏｒ               ｌｉｎｋｅｄ               ｔｏ               ｓｕｂｐｒｉｍｅ               ｒｅｓｉｄｅｎｔｉａｌ               ｍｏｒｔｇａｇｅｓ. Ｓｅｃｏｎｄ,               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ               ａｌｓｏ               ｔｏｄａｙ               ｍａｋｅｓ               ａ               ｐｒｏｐｏｓａｌ               ｒｅｌａｔｅｄ               ｔｏ               ｓｔｒｕｃｔｕｒｅｄ               ｆｉｎａｎｃｅ               ｐｒｏｄｕｃｔｓ               ｒａｔｉｎｇ               ｓｙｍｂｏｌｏｇｙ. Ａｎｄ               ｔｈｉｒｄ,               ｔｗｏ               ｗｅｅｋｓ               ｆｒｏｍ               ｔｏｄａｙ,               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｉｎｔｅｎｄｓ               ｔｏ               ｐｒｏｐｏｓｅ               ｒｕｌｅ               ａｍｅｎｄｍｅｎｔｓ               ｔｈａｔ               ｗｏｕｌｄ               ｂｅ               ｉｎｔｅｎｄｅｄ               ｔｏ               ｒｅｄｕｃｅ               ｕｎｄｕｅ               ｒｅｌｉａｎｃｅ               ｉｎ               ｔｈｅ               Ｃｏｍｍｉｓｓｉｏｎ'ｓ               ｒｕｌｅｓ               ｏｎ               ＮＲＳＲＯ               ｒａｔｉｎｇｓ.                Ｉｎ               ｃｌｏｓｉｎｇ,               ｆｏｒ               ｎｏｗ...ｔｈｉｓ               ｄｏｅｓ               ｎｏｔ               ｃｏｍｅ               ｅｖｅｎ               ｃｌｏｓｅ               ｔｏ               ｔｏｕｃｈｉｎｇ               ｂａｓｅ               ｏｎ               ａｌｌ               ｏｆ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               Ｉ               ｈａｖｅ               ｒｅａｄ               ｓｉｎｃｅ               ｌａｓｔ               Ｊｕｌｙ,               ｗｈｅｎ               Ｉ               ｂｅｇａｎ               ｔｏ               ｂｅ               ｏｂｓｅｓｓｅｄ               (?)               ｗｉｔｈ               ｆｉｎｄｉｎｇ               ｔｈｅ               ａｎｓｗｅｒ               ｔｏ               "Ｗｈａｔ               Ｃａｕｓｅｄ               Ｔｈｉｓ?"                Ｔｈｅ               ｂｅｓｔ               ａｎｓｗｅｒ               Ｉ               ｈａｖｅ               ｂｅｅｎ               ａｂｌｅ               ｔｏ               ｃｏｍｅ               ｕｐ               ｗｉｔｈ               ｉｓ               "1999-2000."               Ａｍｅｒｉｃａ'ｓ               ｆｉｎａｎｃｉａｌ               ｗｉｚａｒｄｓ               ｍａｎａｇｅｄ               ｔｏ               ｃｏｎｖｉｎｃｅ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ               ａｎｄ               ｆｉｎａｎｃｉａｌ               ｒｅｇｕｌａｔｏｒｙ               ａｇｅｎｃｉｅｓ               ｔｈａｔ               ｉｔ               ｗａｓ               ｉｎ               ｔｈｅｉｒ               ｂｅｓｔ               ｉｎｔｅｒｅｓｔｓ               ｔｏ               ｐａｓｓ               ｔｈｅｓｅ               ｐｉｅｃｅｓ               ｏｆ,               ｕｈ,               ｌｅｇｉｓｌａｔｉｏｎ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｃｏｎｇｒｅｓｓｉｏｎａｌ               ｓｅｓｓｉｏｎ. Ｒｅｇａｒｄｌｅｓｓ               ｏｆ               ｔｈｅ               ｒｅｓｕｌｔｓ               ｏｆ               ｔｈｅ               2000               Ｐｒｅｓｉｄｅｎｔｉａｌ               ｅｌｅｃｔｉｏｎ,               ｔｈｅ               ｃｈａｎｇｅｓ               ｗｏｕｌｄ               ａｌｒｅａｄｙ               ｂｅ               ｍａｄｅ,               ａｎｄ               ｉｎ               ｐｌａｃｅ. Ｅｉｔｈｅｒ               ｔｏ               ｂｅ               ｍａｎｉｐｕｌａｔｅｄ               ａｔ               ｗｉｌｌ,               ｏｒ               ａｓ               ａ               ｂｏｏｂｅｙ               ｔｒａｐ               ｆｏｒ               ｔｈｅ               ｉｎｃｏｍｉｎｇ               ａｄｍｉｎｉｓｔｒａｔｉｏｎ. (Ｍｉｓｓｅｄ               ａ               ｃｈａｎｃｅ               ｔｏ               ｅｘｐｌｏｉｔ               ａｎｏｔｈｅｒ               'ｄｏｕｂｌｅ               ｉｎｔｅｎｄｅｒ',               ｄｉｄｎ'ｔ               Ｉ?)                Ｉ               ａｍ               ｃｏｎｖｉｎｃｅｄ               ｉｎ               ａｌｌ               ｔｈｅ               ｍａｎｉｐｕｌａｔｉｏｎ               ａｎｄ               ｐｏｌｉｔｉｃｋｉｎｇ               ｇｏｉｎｇ               ｏｎ               ｉｎ               1999-2000,               ｎｏｎｅ               ｏｆ               ｔｈｅｍ               ｓａｗ               9/11               ｃｏｍｉｎｇ,                               ａｎｄ               ｔｈａｔ               ｉｓ               ａｎ               ｉｓｓｕｅ               Ｉ               ｗｉｌｌ               ｔａｋｅ               ｕｐ               ｉｎ               ａ               ｆｕｔｕｒｅ               ｉｓｓｕｅ.                Ｍａｙ               ｔｈｅ               Ｐｅａｃｅ               ｏｆ               ｔｈｅ               Ｌｏｒｄ               ｂｅ               ｗｉｔｈ               ｙｏｕ               ａｌｗａｙｓ,               ａｎｄ               ａｌｌ               ｗａｙｓ!                ｈｔｔｐ://ｗｗｗ.ｕｓａ.ｇｏｖ/Ｃｏｎｔａｃｔ/Ｅｌｅｃｔｅｄ.ｓｈｔｍｌ                ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｉｎｄｅｘ.ｈｔｍ               Ｔｈｉｓ               ｉｓ               ｔｈｅ               ＳＥＣ               ｈｏｍｅｐａｇｅ!                ｈｔｔｐ://ｏｖｅｒｓｉｇｈｔ.ｈｏｕｓｅ.ｇｏｖ/ｄｏｃｕｍｅｎｔｓ/20081114143312.ｐｄｆ                               ＨＥＤＧＥ               ＦＵＮＤＳ               Ａｎｄ               ＴＨＥ               ＦＩＮＡＮＣＩＡＬ               ＭＡＲＫＥＴ                               Ｔｈｕｒｓｄａｙ,               Ｎｏｖｅｍｂｅｒ               ｔ3,               2008                               Ｈｏｕｓｅ               ｏｆ               Ｒｅｐｒｅｓｅｎｔａｔｉｖｅｓ,                               Ｃｏｍｍｉｔｔｅｅ               ｏｎ               Ｏｖｅｒｓｉｇｈｔ               ａｎｄ               Ｇｏｖｅｒｎｍｅｎｔ               Ｒｅｆｏｒｍ               (Ｔｈｉｓ               ｉｓ               ａ               ｔｅｓｔ               ｏｆ               ｙｏｕｒ               ａｂｉｌｉｔｙ               ｔｏ               ｆｏｃｕｓ,               ｆｏｌｋｓ. Ｐｌｅａｓｅ               ,ｄｏｎ'ｔ               ｆｏｒｇｅｔ               ｔｏ               ｈｅｌｐ               Ｔｈｅ               Ｓｉｓｔｅｒｓ               ｏｆ               Ｃｈａｒｉｔｙ?)

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