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Copyright © 2016 by James Patterson
document IMAGES-005-HOUSE_OVERSIGHT_019112.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Copyright © 2016 by James Patterson Excerpt from Cross the Line copyright © 2016 by James Patterson Hachette Book Group supports the right to free expression and the value of copyright. The purpose of copyright is to encourage writers and artists to . fs Interviewer: “It’s the...

Reporting snd Treasoription, Inc
document IMAGES-002-HOUSE_OVERSIGHT_012527.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…Treasoription, Inc, A. No. Q. Do you knew -- he was wearing a towel through that massage? A. Yes. 9. Do you know whether he touched himself in any way, his penis or anything like that, during the massage? Yeah, like towards the end. Okay. Do you know whether he masturbated?...

downturn in the local real estate markets affecting Franklin's construction loans and
document IMAGES-002-HOUSE_OVERSIGHT_014383.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

downturn in the local real estate markets affecting Franklin's construction loans and increasing credit costs via higher charge-offs and provisions, and 3) inability to effectively fund asset growth driving greater than expected compression in the net interest margin. Goldman Sa...

Convention Centers and Trade Shows
document IMAGES-005-HOUSE_OVERSIGHT_018769.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Convention Centers and Trade Shows Las Vegas is the world’s most preferred convention and trade show city, offering more convention and meeting space than any other city in the world, with more than 11 million square feet of existing inventory, including more than 2.0 million sq...

Real Estate Bubble: Root Causes—Government Home Ownership Push +
document IMAGES-006-HOUSE_OVERSIGHT_020933.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…1965-1995) Trendline —— U.S. Personal Savings Rate Note: HUD is Dept. of Housing & Urban Development. interest rate is the overnight federal funds rate. Data as of CQ1:10. Savings rate is amount of saving divided by income after taxes. KP Data source: Federal Reserve, DOC Bure...

First Bancorp Puerto Rico (FBP)
document IMAGES-002-HOUSE_OVERSIGHT_014382.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…n framework (P/TBV, P/E, DCF) to arrive at our $6.50 price objective. We assign a 1.0x multiple to our 2Q17E TBV, below the 1.6X for peers, due to the overhang of PR fiscal issues that may reduce TBV. Our revised implied 2Q17E TBV of 1.0x is consistent with a 5% ROE. We assign a...

016 by James Patterson
document IMAGES-005-HOUSE_OVERSIGHT_019113.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

016 by James Patterson to free expression and the value of © encourage writers and artists to ir culture. n of this book without permission erty. If you would like permission n for review purposes), please con- yu for your support of the author's NY 10104 we 1 of Hachette Bo...

Drive Growth: Technology
document IMAGES-006-HOUSE_OVERSIGHT_021026.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Drive Growth: Technology Technology Improves Efficiency of Communication and Lowers Costs of Providing Goods and Services (@)E) www.kpcb.com USA Inc. | What Might a Turnaround Expert Consider? 369 Technology Has Driven Significant Wealth & Job Creation S&P 500 Sector Market...

USA Student Achievement Rankings* in Mathematics / Science
document IMAGES-006-HOUSE_OVERSIGHT_021032.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

USA Student Achievement Rankings* in Mathematics / Science Have Fallen vs. Other OECD Countries Mathematics Ranking* Science Ranking* 2000 2009 2000 2009 i Japan S. Korea 1 Korea Finland 2 S. Korea Finland 2 Japan Japan 3 New Zealand Switzerland 3 Finland S. Korea 4 Finland J...

Entitlement Spending: Medicare & Medicaid Payments per Beneficiary
document IMAGES-006-HOUSE_OVERSIGHT_020884.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Entitlement Spending: Medicare & Medicaid Payments per Beneficiary Have Risen Faster than Social Security Payments Owing to Rising Healthcare Costs + Expanded Coverage Percent Change in Real* Annual Social Security / Medicare / Medicaid 1966-2009 Payments per Beneficiary From 1...

Medicaid: Enrollment Is Up 12x to 49 Million While Annual Payments per
document IMAGES-006-HOUSE_OVERSIGHT_020890.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…M disabled / 4MM elderly) Americans (16% of population) received an average of $4,684 in tax-payer funded payments from the federal government for healthcare in 2009. For context, $6,872 in healthcare benefits is 13% of average annual per-capita income for Americans. e When Medi...

Fwd: JAMES PATTERSON NEW BOOK TELLING FEDS COVER UP OF BILLIONAIRE JEFF
email IMAGES-011-HOUSE_OVERSIGHT_031279.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… ais obs abe ac ols fe ols ois fe aks afk afc ais ale als alse ais ofc fe ais ale as als fe oft fe os ofc 2k 2s ae ais The information contained in this communication is confidential, may be attorney-client privileged, and is intended only for the use of the addressee. It is the...

Entitlement Spending per Beneficiary: Inflation-Adjusted Average Pre-Tax
document IMAGES-006-HOUSE_OVERSIGHT_020886.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… 1980 1985 1990 1995 2000 2005 2010 Note: 1) Entitlement income calculated as Government social benefits to persons in the NIPA series Table 2.1. Savings rate is the amount of money saved divided by income after taxes. P Sources: BEA (@E) www.kpcb.com USA Inc. | Income Statemen...

Focus on Operating Efficiency: Illustrative Policy Options From the Report of
document IMAGES-006-HOUSE_OVERSIGHT_021018.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Focus on Operating Efficiency: Illustrative Policy Options From the Report of the National Commission on Fiscal Responsibility and Reform Illustrative Policy Options Deficit Reduction in F2015E Eliminate 250,000 non-defense service and staff augmentee contractors $18 billion...

Focus on Productivity & Employment Growth
document IMAGES-006-HOUSE_OVERSIGHT_021024.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Focus on Productivity & Employment Growth, Each of Which Accounts for ~50% of Long-Term Real GDP Growth e Investments in Technology / Infrastructure / Education Boost Productivity. — Newer technology improves efficiency of communication and lowers costs of providing goods and s...