SPEAKER INDEX CONTENTS INSERTS BERNARDI 25 29 30 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 50 51 53 54 55 56 57 59 60 61 62 63 64 65 66 67 68 69 70 BREGON 63 64 CLAY 9 49 50 51 52 53 COHEN 82 FRANK 3 10 11 14 22 24 37 38 39 40 41 42 43 44 45 56 66 73 88 97 98 101 102 103 106 107 GONZALEZ 87 88 GRAMLICH 91 98 GRUCCI 8 45 46 48 HOOVER 94 106 107 ISRAEL 68 69 JONES 7 57 61 62 63 64 65 66 KELLY 1 6 7 8 9 10 11 12 13 14 19 20 21 23 24 29 30 31 32 33 34 35 36 37 45 49 52 53 55 57 61 63 66 67 68 70 73 77 78 81 84 87 88 91 94 97 99 101 106 107 KENNEDY 52 LEE 10 53 54 55 56 57 MCNEIL 85 MEEK 14 19 20 21 24 MILLER 6 OROS 78 100 ROS-LEHTINEN 21 22 24 SHAYS 11 13 SPANO 74 77 101 102 103 WATERS 58 59 60 61 66 67 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. CHRISTOPHER SHAYS, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF CONNECTICUT PAGE 11 STATEMENT OF HON. CARRIE P. MEEK, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF FLORIDA PAGE 14 STATEMENT OF HON. ILEANA ROS-LEHTINEN, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF FLORIDA PAGE 21 STATEMENT OF HON. ROY A. BERNARDI, ASSISTANT SECRETARY, OFFICE OF COMMUNITY PLANNING AND DEVELOPMENT, U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 25 STATEMENT OF HON. ANDREW SPANO, COUNTY EXECUTIVE, WESTCHESTER COUNTY, NY PAGE 73 STATEMENT OF HON. GEORGE OROS, MINORITY LEADER, WESTCHESTER COUNTY, NEW YORK, BOARD OF LEGISLATORS PAGE 78 STATEMENT OF HON. DAVID COHEN, MAYOR, NEWTON, MA PAGE 81 STATEMENT OF JOSEPHINE McNEIL, DIRECTOR, CITIZENS AFFORDABLE HOUSING DEVELOPMENT ORGANIZATION OF NEWTON, MA PAGE 85 STATEMENT OF YVONNE GONZALEZ, CEO, RIO GRANDE VALLEY EMPOWERMENT ZONE CORPORATION, MERCEDES, TX PAGE 87 STATEMENT OF ED GRAMLICH, RESEARCH AND COMMUNITY DEVELOPMENT SPECIALIST, CENTER FOR COMMUNITY CHANGE PAGE 91 STATEMENT OF GREG HOOVER, PRESIDENT, NATIONAL COMMUNITY DEVELOPMENT ASSOCIATION; DIRECTOR, HOUSING AND NEIGHBORHOOD DEVELOPMENT DEPARTMENT, CITY OF DAVENPORT, IA PAGE 94 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING