SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      6      7     12     19     20     21     22     28  
                29     30     34     39     44     48     50     52     53  
CHRISTENSEN    50     51  
CHRISTIANSEN    30  
GRIMM            8     19     20     27     28     29  
GUGGENHEIMER    45  
KLEIN           40  
MALONEY          2      7     23     24     25     27     28     52  
SMITH           13     20     22     23     25     27     29  
WOHL            29     35  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. KATHLEEN GRIMM, STATE DEPUTY COMPTROLLER, CITY OF NEW YORK 
                                                                 PAGE     8

STATEMENT OF MICHAEL P. SMITH, PRESIDENT, NEW YORK BANKERS ASSOCIATION
                                                                 PAGE    12

STATEMENT OF KENDALL CHRISTIANSEN, CHAIRPERSON, THE MAPLE STREET SCHOOL, BROOKLYN, NY
                                                                 PAGE    29

STATEMENT OF FAITH WOHL, PRESIDENT, CHILD CARE ACTION CAMPAIGN
                                                                 PAGE    35

STATEMENT OF DR. ETHEL KLEIN, PRESIDENT, EDK ASSOCIATES
                                                                 PAGE    40

STATEMENT OF ELINOR GUGGENHEIMER, FOUNDER, CHILD CARE ACTION CAMPAIGN
                                                                 PAGE    45


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING