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