Hearing Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Ninth Congress, Second Session, on Nominations of Edward P. Lazear, of California, to be Chairman of the Council of Economic Advisers; Randall S. Kroszner, of New Jersey, to be a Member of the Board of Governors of the Federal Reserve System; Kevin M. Warsh, of New York, to be a Member of the Board of Governors of the Federal Reserve System, February 14, 2006