31.   What is needed, Levitt said, is reform that relies on functional regulation with securities regulators regulating securities markets and bank regulators regulating banking markets.

32.   What was needed, he said, was a well that would supply a steady flow of water.

33.   What we need, Calomiris said, is a coordinated action in which the Federal Reserve agrees publicly to expand the American money supply.

34.   What will be needed, analysts say, is a guide that can organize vast amounts of information and present it quickly.

35.   What Ammondson needed, she said, was a good, long sabbatical.

36.   What he needs, he says, is a plan to stop the bullets.

37.   What is most needed, he said, is money for funerals, building supplies and everyday articles.

38.   What is needed, Cross said, is massive investment in professional development to teach the new methods to current and prospective teachers.

39.   What is needed, he said, is extensive public scrutiny and comment, even if that means pushing back the timetable of the development plan.

40.   What is needed, he says, is simply a commitment by the private sector to put up more money.