| From: Dick Jones [mailto:mediabum@rcn.com]
 Sent: Friday, September 17, 2004 6:20 PM
 To: Comments
 Subject: Community Reinvestment -- RIN 3064-AC50
 Sirs:  Don't gut the Community Reinvestment Act! Rural America, and 
        especially it'sfamilies, need this program to assist in developing new 
        communityinfrastructures and career opportunities, so families can stay 
        together and support themselves in the small towns and rural areas where 
        they grew up.  I live in New York City now, but I have many relatives and friends 
        who live in rural America and I care about their welfare. And I'm not 
        alone. Much of the population growth in American cities in the past 
        three decades has occurred because economic opportunities were (and are) 
        very limited in the country, so people have been forced to leave their 
        home areas for more job opportunities in the cities. If there had been 
        viable work opportunities in their home area, many would have been happy 
        to stay there. So, if you think there is no interest in this issue among 
        urban voters, I assure you you're wrong.  Gutting the CRA will only increase the economic pressure that splits 
        up families. The young are forced to relocate to cities and the old and 
        untrained languish. Thus, we are creating ghettos of the old, the weak, 
        the poor, and the dysfunctional in rural America, where there are few 
        social services and little civic protection. Crime is on the increase in 
        many rural areas because of these realities.  Is this how America should serve the people and locales that gave 
        birth to the Baby Boomer generation, and were the source of much of 
        America's current prosperity?  Sincerely,  /Dick Jones  Dick Jones 212-787-0700Director, Progressive Internet Action
 
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