| | | | | | | | | | | | | | | | | | | Registering, but not testifying: |
| | | | | | Barton, Karey Consultant (Texas Bankers Association), Austin, TX |
| | | | Craymer, Dale Economist (Texas Taxpayers and Research Association), Austin, TX |
| | | | Scurlock, Steve Exec VP - IBAT (IBAT - Independent Bankers Association of Texas), Austin, TX |
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