  Pion scattering and electro-production amplitudes have been computed in a
coupled-channel framework incorporating quasi-bound quark-model states, based
on the Cloudy Bag model. All relevant low-lying nucleon resonances in the P33,
P11, and S11 partial waves have been covered, including the Delta(1232), the
N*(1440), N*(1535), and N*(1650). Consistent results have been obtained for
elastic and inelastic scattering (two-pion, eta-N, and K-Lambda channels), as
well as for electro-production. The meson cloud has been shown to play a major
role, in particular in electro-magnetic observables in the P33 and P11
channels.
