Author Description

Witnesses: Charles Prince III, Citigroup Global Corp. and Investment Bank; David Bushnell, Global Risk Mgt., Citigroup/Salomon Smith Barney; Richard Caplan, Credit Derivatives Group, Salomon Smith Barney N. Amer. Credit; William Fox III, Global Power and Energy Group, Citibank; Michael Patterson, J.P. Morgan Chase and Co.; Robert Traband, J.P. Morgan Chase and Co., accomp. by Eric Peiffer, J.P. Morgan Chase and Co.: Andrew Feldstein, Structured Prod. and Derivatives Marketing, J.P. Morgan Chase and Co.; Muriel Siebert, Muriel Siebert and Co., Inc.; Richard Spillenkothen, The Federal Reserve; Douglas Roeder, Sr. Office of the Comptroller of the Currency; and Annette Nazareth, SEC. Numerous charts and tables.