|  |  |  |  |   |  |  |   |   |  |   |   |   |  |  |  |   |   |  |   | | Smith, Steve    (Texas Towing and Storage Association, WHW Towing Co.),  Roanoke, TX |  
  |   |  |   | | Rash, Jeanette    (Texas Towing and Storage Association),  Houston, TX |  
  |   |   |  |   | | Levy, Rick    (TXAFL-CIO),  Austin, TX |  
  |   | | Rodriguez, Ana    (Texas Council on Family Violence),  Austin, TX |  
  |   |  |   | | Geballe, Leslie    (TWC),  Austin, TX |  
  |   | | Registering, but not testifying: |  
  |   |  |   | | Hammond, Bill    (Texas Association of Business),  Austin, TX |  
  |   |   | | Registering, but not testifying: |  
  |   |  |   | | Hammond, Bill    (Texas Association of Business),  Austin, TX |  
  |   |  |   | | Ross, Chuck    (Texas Workforce Commission),  Austin, TX |  
  |   |   |  |   | | Heasley, John    (Texas Bankers Association),  Austin, TX |  
  |   |  |   | | James, Randall S.    (Texas Department of Banking),  Austin, TX |  
  |   | | Registering, but not testifying: |  
  |   |  |   | | Carlson, Pat    (Texas Eagle Forum),  Fort Worth, TX |  
  |   | | James, Dwain    (American Collectors Association of Texas),  Austin, TX |  
  |   | | James, Reggie    (Consumers Union),  Austin, TX |  
  |   | | Sanchez, Joe    (AARP - Texas),  Austin, TX |  
  |   |  |   | | Bell, Patrick    (Capital One Financial Corp.),  New Orleans, LA |  
  |   | | Donohoe, Dan    (JP Morgan Chase),  Dallas, TX |  
  |   | | Owen, Allen    (Wells Fargo Bank),  Missouri City, TX |  
  |   | | Polan, Deborah    (Texas Financial Services Association),  Austin, TX |  
  |   | | Stranz, Paul    (Bank of America),  Dallas, TX |  
  |   |   |  |   | | Bell, Patrick    (Capital One Financial Corp),  New Orleans, LA |  
  |   | | Cowell, Chuck    (Unity National Bank of Houston),  Houston, TX |  
  |   |  |   | | James, Randall S.    (Texas Department of Banking),  Austin, TX |  
  |   | | Registering, but not testifying: |  
  |   |  |   | | Donohoe, Dan    (JP Morgan Chase),  Dallas, TX |  
  |   | | Heasley, John    (Texas Bankers Association),  Austin, TX |  
  |   | | Scurlock, Steve    (Independent Bankers Association of Texas (IBAT)),  Austin, TX |  
  |   |   |  |   | | Ives, Everett    (Texas Association of Mortgage Brokers),  San Antonio, TX |  
  |   | | Registering, but not testifying: |  
  |   |  |   | | Balovich, Julie    (Texas Low Income Housing Information Service),  Austin, TX |  
  |   | | Gonzalez, Daniel    (Texas Association of Realtors),  Austin, TX |  
  |   |  |   | | Fleming, John  General Counsel  (Department of Savings and Mortgage Lending),  Austin, TX |  
  |   | | Irvine, Tim    (Texas Department of Housing and Community Affairs),  Austin, TX |  
  |   |   |  |   | | Davis, Will    (Texas Association of Life and Health Insurers),  Austin, TX |  
  |   | | Klein, Jonathan    (Progressive County Mutual Insurance Company),  Austin, TX |  
  |   | | Nation, Brenda    (American Council of Life Insurers (ACLI)),  Austin, TX |  
  |   | | Thompson, Jay    (AFACT, TALHI, Prudential),  Austin, TX |  
  |   |  |   | | Geeslin, Mike    (Texas Department of Insurance),  Austin, TX |  
  |   | | Registering, but not testifying: |  
  |   |  |   | | Bolton, Pamela J.    (Texas Watch),  Austin, TX |  
  |   | | Brimberry, Lea    (Independent Insurance Agents of Texas),  Austin, TX |  
  |   | | Herzog, Greg    (Texas Medical Association),  Austin, TX |  
  |   |  |   | | Green, Shelton    (Texas Association of Business),  Austin, TX |  
  |   | | Ratliff, Thomas    (American Insurance Association),  Austin, TX |  
  |   | | Providing written testimony: |  
  |   |  |   | | Woods, Joe    (Property Casualty Insurers Association of America),  Austin, TX |  
  |   |   |  |   | | Brooks, Shannon    (National Multiple Sclerosis Society),  Austin, TX |  
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