SPEAKER INDEX CONTENTS INSERTS FAYDE 10 17 37 38 42 HARRIS 26 27 36 37 38 43 HARVEY 14 38 41 42 JONES 6 JONES OF OHIO 32 33 34 35 41 42 43 44 KELLY 1 3 4 6 8 9 10 14 16 19 21 22 25 28 29 30 31 32 35 38 41 43 44 LEE 4 38 39 40 41 MCCOOL 11 28 30 31 32 33 35 36 39 40 RASHEED 20 29 30 34 38 39 40 SWACK 22 25 33 38 WATERS 9 WATT 3 9 10 35 36 37 38 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. STEPHANIE TUBBS JONES, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OHIO PAGE 6 STATEMENT OF THOMAS J. MCCOOL, MANAGING DIRECTOR OF FINANCIAL MARKETS AND COMMUNITY INVESTMENT, GENERAL ACCOUNTING OFFICE PAGE 11 STATEMENT OF F. BARTON HARVEY, III, CHAIRMAN AND CEO, THE ENTERPRISE FOUNDATION PAGE 14 STATEMENT OF REESE FAYDE, CEO, LIVING CITIES PAGE 17 STATEMENT OF ABDUL RASHEED, PRESIDENT AND CEO, NORTH CAROLINA COMMUNITY DEVELOPMENT INITIATIVE, ON BEHALF OF THE NATIONAL CONGRESS FOR COMMUNITY ECONOMIC DEVELOPMENT (NCCED) PAGE 19 STATEMENT OF MICHAEL SWACK, DIRECTOR, SCHOOL OF COMMUNITY ECONOMIC DEVELOPMENT, SOUTHERN NEW HAMPSHIRE COLLEGE PAGE 22 STATEMENT OF GRETA HARRIS, SENIOR PROGRAM DIRECTOR, LOCAL INITIATIVES SUPPORT CORPORATION (LISC) PAGE 25 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING