Excerpt from The Home Ownership and Equity Protection Act of 1993 S, 924 The chairman. Gentlemen, let me welcome you here today as witnesses. Mr. Ludwig, we'll start with you and we'll make your full state ment a part of the record, as we will with all the people testifying today. We'd like to ask for your summary comments at this time. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.