From: Harold & Carole Greenbaum [mailto:hsgreenbaum@snet.net]
Sent: Wednesday, October 20, 2004 3:15 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

it is absolutely imperative that all banks continue to invest in their communities, particularly trying to make low-cost housing affordable.....the rate of homelessness in the U.S. A. is increasing at an alarming rate, the cost of utilities is rising, as is unemployment....The fact that more and more banks have been allowed to become conglomerates with no hometown investments on the horizon is a bad omen....