From: Spharding@aol.com
Sent: Friday, September 17, 2004 9:58 AM
To: Comments
Subject: Importance of CRA
I have worked in both local and state governments in New Jersey
and New Hampshire, and in private sector real estate positions. I
cannot think of programs as important to so many sectors of the population
as the Community Reinvestment Act programs. Please do not let the
CRA lapse! Renew it with new vigor! Thank you.