Regular Session - March 29, 2001

                                                              3961



                           NEW YORK STATE SENATE





                          THE STENOGRAPHIC RECORD









                             ALBANY, NEW YORK

                              March 29, 2001

                                10:03 a.m.





                              REGULAR SESSION







                 SENATOR RAYMOND A. MEIER, Acting President

                 STEVEN M. BOGGESS, Secretary

















                                                          3962



                           P R O C E E D I N G S

                            ACTING PRESIDENT MEIER:    The

                 Senate will come to order.

                            I ask everyone present to please

                 rise and join me in repeating the Pledge of

                 Allegiance.

                            (Whereupon, the assemblage recited

                 the Pledge of Allegiance to the Flag.)

                            ACTING PRESIDENT MEIER:    In the

                 absence of clergy, may we bow our heads in a

                 moment of silence.

                            (Whereupon, the assemblage

                 respected a moment of silence.)

                            ACTING PRESIDENT MEIER:    Reading

                 of the Journal.

                            THE SECRETARY:    In Senate,

                 Wednesday, March 28th, the Senate met pursuant

                 to adjournment.  The Journal of Tuesday, March

                 27th, was read and approved.  On motion,

                 Senate adjourned.

                            ACTING PRESIDENT MEIER:    Without

                 objection, the Journal stands approved as

                 read.

                            Presentation of petitions.

                            Messages from the Assembly.





                                                          3963



                            Messages from the Governor.

                            Reports of standing committees.

                            Reports of select committees.

                            Communications and reports from

                 state officers.

                            Motions and resolutions.

                            Senator Bruno.

                            SENATOR BRUNO:    Mr. President, it

                 is, five minutes after 10:00.  Is that

                 correct, Mr. President.

                            ACTING PRESIDENT MEIER:    Yes, it

                 is, by the clock in the corner, Senator.

                            SENATOR BRUNO:    Thank you.  I

                 need verification of whatever takes place here

                 in the chamber.  I look around, and I see a

                 lot of empty chairs in this chamber.  And the

                 members are elected to represent their

                 constituency by being in their chairs when

                 we're in session.

                            And we have a lot of interesting

                 bills.  We have a budget to put in place.  We

                 have a lot of interesting questions to be

                 asked and interesting answers to those

                 interesting questions.

                            So I am asking any of the members





                                                          3964



                 that are in their offices to get to this

                 chamber.  We have a rather lengthy agenda.

                 We're going to be here until we finish that

                 agenda, whatever hour that may relate to.

                            So for those that are trying to

                 catch planes and trains and cars, I would not

                 make any specific plans unless you have a

                 private charter service to take you wherever

                 you want to go that are standing by.

                            So, Mr., President having said

                 that, I believe that there is a privileged

                 resolution by Senator Stafford -- oh, it's by

                 Senator Goodman.  And Senator Goodman would

                 like to have the title read, and we would like

                 to move for its immediate passage.  And for

                 those members that aren't going to have the

                 privilege and the pleasure of voting for it,

                 it will be their loss, Mr. President, and they

                 will be so recorded.

                            ACTING PRESIDENT MEIER:    The

                 Secretary will read the title.

                            THE SECRETARY:    By Senator

                 Goodman, Legislative Resolution Number 1088,

                 honoring Judge Franklin R. Weissberg upon the

                 occasion of his retirement from the New York





                                                          3965



                 State Court of claims.

                            ACTING PRESIDENT MEIER:    The

                 question is on the resolution.  All those in

                 favor signify by saying aye.

                            (Response of "Aye.")

                            ACTING PRESIDENT MEIER:    Opposed,

                 nay.

                            (No response.)

                            ACTING PRESIDENT MEIER:    The

                 resolution is adopted.

                            Senator Bruno.

                            SENATOR BRUNO:    Mr. President, I

                 believe there's a privileged resolution by

                 Senator Nozzolio.  I would ask that the title

                 be read and move for its immediate adoption.

                            ACTING PRESIDENT MEIER:    The

                 Secretary will read the title.

                            THE SECRETARY:    By Senator

                 Nozzolio, Legislative Resolution Number 1087,

                 commending Frances T. Barbieri upon the

                 occasion of her designation by the Seneca

                 Falls Women's Coalition as its Woman of the

                 Year on March 31, 2001.

                            ACTING PRESIDENT MEIER:    The

                 question is on the resolution.  All those in





                                                          3966



                 favor signify by saying aye.

                            (Response of "Aye.")

                            ACTING PRESIDENT MEIER:    Opposed,

                 nay.

                            (No response.)

                            ACTING PRESIDENT MEIER:    The

                 resolution is adopted.

                            Senator Bruno.

                            SENATOR BRUNO:    Mr. President, I

                 think there are three privileged resolutions

                 at the desk by Senator Morahan.  I would ask

                 that their titles be read and move for their

                 immediate adoption.

                            ACTING PRESIDENT MEIER:    The

                 Secretary will read the titles.

                            THE SECRETARY:    By Senator

                 Morahan, Legislative Resolution Number 1098,

                 commemorating the 50th Anniversary of Orange

                 County Community College, to be celebrated

                 March 31, 2001.

                            By Senator Morahan, Legislative

                 Resolution Number 1099, commending Dr. Marvin

                 Shapiro upon the occasion of his designation

                 for special recognition by the American Red

                 Cross in Greater New York on April 1, 2001.





                                                          3967



                            By Senator Morahan, Legislative

                 Resolution Number 1100 commending Neil Berg

                 upon the occasion of his designation for

                 special recognition by the American Red Cross

                 in Greater New York on April 1, 2001.

                            ACTING PRESIDENT MEIER:    The

                 question is on the resolutions.  All those in

                 favor signify by saying aye.

                            (Response of "Aye.")

                            ACTING PRESIDENT MEIER:    Opposed,

                 nay.

                            (No response.)

                            ACTING PRESIDENT MEIER:    The

                 resolutions are adopted.

                            Senator Bruno.

                            SENATOR BRUNO:    Mr. President,

                 can we at this time take up the

                 noncontroversial calendar.

                            ACTING PRESIDENT MEIER:    The

                 Secretary will read the noncontroversial

                 calendar.

                            THE SECRETARY:    Calendar Number

                 105, by Senator Balboni, Senate Print 862, an

                 act to amend the Civil Practice Law and Rules.

                            SENATOR CONNOR:    Lay it aside,





                                                          3968



                 please.

                            ACTING PRESIDENT MEIER:    Lay it

                 aside.

                            THE SECRETARY:    Calendar Number

                 250, by Member of the Assembly Lentol,

                 Assembly Print Number 5305, an act to amend

                 the Judiciary Law and the Penal Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 252, by Senator Skelos, Senate Print 399, an

                 act to amend the Family Court Act and the

                 Criminal Procedure Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 258, by Senator Farley, Senate Print 2838, an

                 act to amend the Banking Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 268, by Senator McGee, Senate Print 3089, an





                                                          3969



                 act to amend the General City Law and others.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 274, by Senator Libous, Senate Print 2900, an

                 act to amend the Tax Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 283, by Senator Morahan, Senate Print 514A, an

                 act to amend the Highway Law.

                            SENATOR CONNOR:    Lay it aside,

                 please.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 286, by Senator Kuhl, Senate Print 3071, an

                 act to amend the Vehicle and Traffic Law.

                            SENATOR CONNOR:    Lay it aside,

                 please.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number





                                                          3970



                 298, by Senator Bonacic, Senate Print 2275, an

                 act to amend the County Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 300, by Senator Kuhl, Senate Print 2491, an

                 act to amend the General Municipal Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 301, by Senator LaValle, Senate Print 2589, an

                 act to amend Chapter 554.

                            SENATOR CONNOR:    Lay it aside,

                 please.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 302, by Senator Padavan, Senate Print 2774, an

                 act to amend the General Municipal Law.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number





                                                          3971



                 314, by Senator Seward, Senate Print 3653, an

                 act to amend the Insurance Law.

                            SENATOR CONNOR:    Lay it aside,

                 please.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 328, Assembly Budget Bill, Assembly Print

                 Number 1301A, an act making appropriations.

                            SENATOR CONNOR:    Lay it aside.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            THE SECRETARY:    Calendar Number

                 331, by the Assembly Committee on Rules,

                 Assembly Print Number 8316, an act to amend

                 the Military Law.

                            SENATOR CONNOR:    Lay it aside,

                 please.

                            ACTING PRESIDENT MEIER:    Lay the

                 bill aside.

                            Senator Bruno, that completes the

                 reading of the noncontroversial calendar.

                            SENATOR BRUNO:    Mr. President,

                 can we now take up the controversial calendar,

                 starting with Calendar Number 331.





                                                          3972



                            ACTING PRESIDENT MEIER:    The

                 Secretary will read Calendar 331.

                            THE SECRETARY:    Calendar Number

                 331, by the Assembly Committee on Rules,

                 Assembly Print Number 8316, an act to amend

                 the Military Law, in relation to military

                 funds.

                            SENATOR CONNOR:    Explanation.

                            SENATOR BRUNO:    Is there a

                 message of necessity at the desk?

                            ACTING PRESIDENT MEIER:    Yes,

                 there is, Senator.

                            SENATOR BRUNO:    Move we accept

                 the message.

                            ACTING PRESIDENT MEIER:    All

                 those in favor of accepting the message of

                 necessity signify by saying aye.

                            (Response of "Aye.")

                            ACTING PRESIDENT MEIER:    Opposed,

                 nay.

                            (No response.)

                            ACTING PRESIDENT MEIER:    The

                 message is accepted.  The bill is before the

                 house.

                            SENATOR CONNOR:    Explanation.





                                                          3973



                            ACTING PRESIDENT MEIER:    Senator

                 Padavan, why do you rise?

                            SENATOR PADAVAN:    I wish to speak

                 on the bill, if I may.  However, I defer to

                 the distinguished chairman of the Finance

                 Committee.

                            SENATOR STAFFORD:    Same time, if

                 you'd like to speak -

                            SENATOR PADAVAN:    No, no, I defer

                 to you, Senator.

                            SENATOR STAFFORD:    What I'll do,

                 just before I yield, is very quickly, very

                 quickly -- because we're certainly not going

                 to let things drone on.  And I know, Mr.

                 President, you're going to enjoy this today

                 because we're going to be brief, all of us.

                            What this bill does, it extends

                 various provisions of law that would otherwise

                 expire or become inoperative on March 31,

                 2001, to ensure the continuation of various

                 programs and fiscal management provisions for

                 the 2001-2002 fiscal year, and enacts

                 provisions proposed for 2001 and 2002 that

                 require authorization.

                            In other words, we're passing these





                                                          3974



                 billings for the continuation of government.

                            It's a pleasure to yield to the

                 Senator from -- Brooklyn?  Queens.

                            ACTING PRESIDENT MEIER:    Senator

                 Padavan.

                            SENATOR PADAVAN:    He just moved

                 me.  But that's all right.  I was born in

                 Brooklyn, so I don't mind that at all.

                            Thank you.  Thank you for your

                 courtesy, the Senator from Plattsburgh or

                 thereabouts.

                            Mr. President, I will try and be as

                 brief as the distinguished chairman of the

                 Finance Committee, but there are a few things

                 I would like to say relevant to this bill.

                            First, all the aspects of this bill

                 obviously make sense, except one.  Certainly a

                 continuation of the Loft Laws, which I always

                 supported, makes a great deal of sense.  It's

                 unfortunate that their continuation will only

                 be for three months, when we'll have to

                 revisit their concerns, which are very valid.

                            But the expansion of Quick Draw,

                 provided courtesy of GTech for the State of

                 New York, is something which I do feel is a





                                                          3975



                 major mistake.  The people of this state are

                 not clamoring for us to continue Quick Draw.

                 Quite to the contrary.  Every major newspaper,

                 from the New York Times in the City of New

                 York to the Buffalo News, in editorials and

                 stories, has come out in opposition to

                 continuing Quick Draw, for very valid and

                 cogent reasons.

                            Civic organizations and religious

                 organizations throughout the state, from the

                 Catholic Conference to the Saratoga Chamber of

                 Commerce, have come out in opposition to

                 continuing Quick Draw.

                            I'd like to talk just briefly about

                 the economics of the issue.  The average

                 amount of revenue that Quick Draw has produced

                 is $125 million annually.

                            Whatever the amount, I think we're

                 all sophisticated, and our constituents are

                 even becoming more sophisticated, in coming to

                 the conclusion that that does not translate

                 into more aid to education.

                            However, in the process, Quick Draw

                 takes out of the economy a half a billion

                 dollars.  A half a billion dollars.  Now, if





                                                          3976



                 someone had a proposal before us labeling it

                 economic development and said we have a way of

                 putting a half a million dollars into the

                 economy in goods and services and the jobs it

                 produces and the local, state, and city and

                 county tax revenues that it produces, we would

                 say, Great, let's do it.

                            We're doing the reverse here.  That

                 half a million dollars is coming out of the

                 economy.  A lot of it is going to GTech.  And

                 they're not in New York, they're in Rhode

                 Island.  If you know anything about that

                 outfit in terms of their history, you know how

                 sleazy it is.  Six percent goes to the vendor.

                            We've heard some talk about jobs

                 being lost if we don't continue Quick Draw.

                 There are 3200 outlets.  If you divide the

                 total handle of a half a billion, the average

                 comes to about $9,600 per outlet.  And I've

                 visited many of them.  Obviously, not all

                 3200.  And wherever I have gone, without

                 exception, there is not a new employee

                 handling Quick Draw.  It's the waitress in the

                 bar and tavern, it's the bartender, it's the

                 clerk.





                                                          3977



                            And they're losing money by this,

                 those individuals.  Because when somebody puts

                 $20 down to make a purchase, and part of that

                 goes to that video crack terminal up on the

                 wall, it doesn't help the person who handed

                 them the card to fill out.  There are no tips

                 associated with that money.  So they lose on

                 the deal.

                            And virtually all of them that I

                 spoke to said they're annoyed by it.  Yes, for

                 the owners of some of those establishments, it

                 a revenue, it's a little gravy, it's a little

                 icing on the cake.  But it's certainly not

                 economic development by any stretch of the

                 imagination.

                            I think it's clear that the

                 economics do not justify this by any measure.

                 And economists have written on this issue at

                 great length, and I won't bore you with who

                 they are and where they are, but they are

                 people in institutions, academic institutions

                 across the country.

                            Now, there are three studies that

                 address this issue, two of them generated by

                 entities, agencies here in New York State.





                                                          3978



                 The Office of Mental Health is the most

                 recent.  They commissioned an independent

                 study done by a nationally renowned expert in

                 this field, Dr. Volberg.  The results of that

                 study were quite compelling.  Just a couple of

                 the highlights.

                            Quick Draw is played

                 disproportionally by minorities and those

                 least able to afford it.  30 percent of the

                 people wagering on Quick Draw are in income

                 brackets under 25,000.  And all you have to

                 do -- it doesn't take a rocket scientist or

                 economist or a Ph.D. to see where those

                 outlets are.  They are in low-to-low

                 middle-income communities.  They're not on

                 Park Avenue, Fifth Avenue or any place like

                 it.  They prey upon people who can least

                 afford to be enticed into gambling.

                            The study also shows that when that

                 type of activity is combined with alcohol,

                 which is the case in the bars, there is less

                 tendency on the part of the individual to use

                 good judgment.  And so people are losing their

                 paycheck, their welfare payment and the like,

                 all for the sake of benefiting a few.





                                                          3979



                            The other study was done by our New

                 York State Council on Problem Gambling.  Their

                 conclusions, independent, were exactly the

                 same.  The low-income people with their

                 propensity to be enticed into this game, the

                 connection to alcohol, the abuse, the negative

                 aspects of the entire issue.

                            Nationally, we're all familiar -

                 I'm sure you are, because they were doing

                 their work for a couple of years or more -

                 the National Gambling Impact Study Commission,

                 a bipartisan commission made up of individuals

                 on both sides of the gambling issues of this

                 nation.  And they came out with a number of

                 recommendations.

                            And the recommendation on the top

                 of the list was that states should withdraw,

                 whenever possible, convenience gambling, and

                 certainly not add any more.  And that's what

                 Quick Draw is, convenience gambling.  And they

                 gave all the reasons in great detail, not just

                 here in New York but elsewhere in this nation.

                            So we have three studies done

                 independently, each one coming up with the

                 same conclusions, but we're smarter than all





                                                          3980



                 of them, because we're going to continue.

                 We're going to continue today -- I'm very

                 realistic, this bill will pass -- continue to

                 move forward for several more months without

                 taking this opportunity of saying let's stop.

                            Why was there a sunset?  The logic

                 was that let's evaluate the effect of Quick

                 Draw on the people of New York State and see

                 whether or not we should continue it.  But we

                 have had that evaluation, in great detail.

                 And I could bore you all morning on it, but I

                 won't.  Yet we're ignoring it.  We're just

                 simply ignoring it.

                            So, Mr. President, although I

                 support every other aspect of this bill, I do

                 draw the line on Quick Draw.  And when it

                 comes time to vote, I will vote no.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, why do you rise?

                            SENATOR CONNOR:    Mr. President,

                 on the bill.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, on the bill.

                            SENATOR CONNOR:    Later I'll

                 address other aspects of this, but I do want





                                                          3981



                 to address Quick Draw myself, because I share

                 Senator Padavan's views about this particular

                 game.

                            With respect to, for example,

                 casino gambling, one can certainly argue the

                 deleterious effects versus economic

                 development.  Generally, where there are

                 casinos, people invest large amounts of money

                 in hotels, they employ large numbers of

                 people, both in the gaming floors and in the

                 hotel and restaurant adjuncts to it.  I know

                 you can debate whether or not it hurts other

                 restaurants that are already there.  If you

                 look at Atlantic City, it killed the

                 restaurant business outside of the hotels that

                 had gambling.  But clearly, there's

                 significant investment involved in that.

                            Quick Draw amazes me because, you

                 know, GTech readily supplies the TV and that

                 little ball just keeps bouncing every whatever

                 it is, 90 seconds or so.  And I made an

                 observation over the past years, without -

                 and I appreciate Senator Padavan's diligent

                 collection of objective studies.  But I don't

                 need those.  I live in Brooklyn.  I live in





                                                          3982



                 Brooklyn Heights.  It's considered an upscale

                 neighborhood, has several taverns and inns.

                 And you cannot find anywhere within the

                 confines of that neighborhood, although there

                 be maybe eight or 10 different restaurant

                 bars, saloons-type places, you cannot find the

                 game of Quick Draw.  When you're selling a

                 pint of Guinness for $5.50 or a mixed drink

                 for $7.50, you really don't want your

                 bartender wasting his time taking Quick Draw

                 action.  You want the person that lays the $20

                 on the bar to spend it on food and beverage

                 and the bartender or waiter or waitress wants

                 an appropriate tip on that.

                            This game just doesn't make it in

                 upscale neighborhoods.  I once saw a map of

                 Manhattan of where the locations were.  And

                 the places on the East Side and West Side that

                 are regarded as upscale, upper middle class

                 and wealthy neighborhoods, certainly they have

                 plenty of restaurant bars, saloons, the types

                 of outlets that have Quick Draw.  You cannot

                 find a game.

                            I don't think there's customer

                 demand, number one.  Because the clientele is





                                                          3983



                 not into a dollar and a dream, they're not

                 into a fantasy.  That kind of fantasy that you

                 can beat the odds obviously appeals to people,

                 working class and poor people.  We understand

                 why it does.  Because it does offer an

                 illusory solution to a lot of economic

                 problems that those people have.  But I say

                 illusory because we all know the odds on these

                 games are against it.  No real professional

                 gambler or real gambler would ever play it,

                 because the odds are so prohibitively against

                 the player.

                            We've seen Quick Draw expire for a

                 few months in a past budget impasse.  I can't

                 say that I disagree with the idea of keeping

                 it going if the alternative is well, it will

                 go down for three months but then come back.

                 The real problem about Quick Draw is Quick

                 Draw could never pass a straight-up vote in

                 this house, by my count -- and I think I count

                 pretty well, and I think Senator Padavan

                 counts very well.  It could never pass.  If we

                 had a straight up or down vote on Quick Draw,

                 it would lose.  It would lose in this

                 Legislature.





                                                          3984



                            Yet what we're confronted with in

                 this bill, and the whole reason we have Quick

                 Draw, because it was in a big budget bill, is

                 the overpackaging.  I understand compromise is

                 what makes legislation happen.  And I

                 understand in compromise there's something you

                 want and there's something I certainly very

                 much want in here, an extension of the Loft

                 Law, although I'd prefer a permanent one.  You

                 get something you want, you get that sugar

                 cube, and then you have the poison pill in

                 there, something you don't want, something

                 that couldn't pass but for its packaging.

                            It almost -- the packaging,

                 frankly, that we've fallen into defies, defies

                 the constitutional -- and I know it's been

                 deemed to be precatory -- language that says

                 bills should deal with a single subject.

                 Because they don't deal with a single subject,

                 and yet we get this packaging.

                            And as I say, I'm sure in other

                 legislatures there are bills that have the

                 good with the bad.  But we've frankly overdone

                 it here.  And we've frankly overdone it with

                 procedures.  We've overdone it with procedures





                                                          3985



                 in both houses that make it impossible to

                 amend the bill on the floor.  You know, unlike

                 other legislatures, unlike, frankly, more

                 respected legislatures -- I'm called to mind

                 what I'm reading every day this week in the

                 newspaper about the United States Senate and

                 the McCain-Feingold bill, how it is being

                 shaped by the membership through amendments,

                 amendments that fail, amendments that delete

                 provisions, amendments that add provisions.

                 That's how legislative bodies work in most

                 places.  The members have the final say, they

                 have that final say on the floor by

                 amendments.  Any member -- majority,

                 minority -- can offer an amendment.  If a

                 majority of the members accept it, it goes

                 into the bill.  If a majority reject it, it's

                 finished if a majority want to excise the

                 bill.

                            We're watching that legislative

                 process, the one we teach our children in

                 civics class, unfolding right now in

                 Washington on that very subject, a contentious

                 subject, obviously a politically charged

                 subject, one of great public interest.  And





                                                          3986



                 the final bill is being molded on the floor by

                 all the members voting on a series of

                 amendments and motions.

                            We don't allow that here in Albany.

                 And I say here in Albany because it's not just

                 this house.  But I suggest that if we had that

                 kind of procedure, if amendments weren't just

                 automatically slapped down by both majorities

                 as somehow an affront to the majorities -

                 which it's not.  Amendments should reflect the

                 wills of the members.  I suggest that if that

                 were the case, then we'd be debating right now

                 the Padavan amendment to delete the Quick Draw

                 provision in this bill.  And perhaps when we

                 finally have a complete budget bill, a similar

                 amendment to delete Quick Draw.  And if we

                 were a real legislature, it would pass in this

                 house and Quick Draw would fail here, because

                 it doesn't enjoy support.

                            And, Mr. President, it really calls

                 into question the nature of what we have done

                 in New York, both houses, with what was our

                 representative democracy.  Because our

                 representative, our Republican form of

                 government said that the ultimate decisions





                                                          3987



                 should be made by the people's representatives

                 on the merits and the majority of members

                 wins.

                            And we're not going to solve this

                 problem today.  As I say, I like the sugar

                 cube in here.  I suppose I have to swallow the

                 pill, the poison pill of Quick Draw.  But

                 there is something wrong.  We ought to all, my

                 colleagues, in a nonpartisan, bipartisan way,

                 examine what we have been about.  And I'm not

                 casting any blame.  This isn't something

                 anybody invented this year or last year or ten

                 years ago or twenty years ago.  But over the

                 decades of the last century and now,

                 unfortunately, into the first years of this

                 one, we are accepting of what became a trend,

                 became the facts of life.  Amendments can't

                 happen, they can't pass.  Now you can barely

                 make them.  You can't get a straight-up vote

                 on it from any member.

                            I remember in this house when

                 members of the Majority advanced amendments,

                 and one of them actually passed once because

                 the majority of the members agreed with it.  I

                 haven't seen that -- I didn't understand what





                                                          3988



                 a historic day that was.  It was my second

                 week here, and there was an amendment, there

                 was a vote.  I was against it, but it passed.

                 Everybody is going [gasp].  I said, What's the

                 matter?  It passed.  An amendment has never

                 passed, not in 30 years.

                            I thought that was rather peculiar.

                 I thought it was rather peculiar that that was

                 the reaction.  What do you mean, it hasn't

                 passed in -- you know, I took civics, I read

                 Robert's Rules, I watched the Congress from

                 the galleries when I was in college and law

                 school.  People offered amendments.  Sometimes

                 they passed; sometimes they failed.  And it

                 was a big shock to me to learn in the New York

                 State Legislature amendments didn't matter,

                 they could never pass.  Well, there was that

                 exception.  It passed.

                            I don't see what's wrong with it.

                 I think that's the way you make laws.  In

                 public, with the lights on, in the chamber

                 with the public watching.  That's the way it's

                 supposed to be.  Look at Congress.  Look at

                 the U.S. Senate.  For all the faults in

                 Washington, they're making laws the way the





                                                          3989



                 people think their democratic form of

                 government ought to operate.

                            Thank you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato, why do you rise?

                            SENATOR ONORATO:    I'd like to

                 know -

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato, I've started a list up here.

                            SENATOR ONORATO:    You have a

                 list?  Okay.

                            ACTING PRESIDENT KUHL:    Yeah, I

                 have a list.  I'll put you on the list.  So

                 far Senator Larkin, Senator Dollinger, and

                 Senator Brown are ahead of you, and Senator

                 Duane is also being added to the list.

                            The chair recognizes Senator

                 Larkin.

                            SENATOR LARKIN:    Thank you, Mr.

                 President.  I rise in support of the

                 legislation and specifically to address the

                 issues of Quick Draw.

                            I've heard people say that Quick

                 Draw really doesn't do anything except it

                 promotes gambling, it hurts those that can





                                                          3990



                 least afford it.  There are over 3,000 outlets

                 in the State of New York, as Senator Padavan

                 pointed out.  Most of them are upstate.  And I

                 hear people say that it has nothing to do with

                 economics.  Well, I have a sheet of paper

                 here, many of them from across the state,

                 attesting to what the Quick Draw shutdown last

                 year cost.

                            In Saratoga, during that three-year

                 [sic] period, one restaurant lost $30,000 and

                 laid off three people.  In Senator Skelos's

                 district, one facility lost $9,000, just in

                 sales of food.  This is not gambling money

                 they lost, but they lost it in sales of

                 beverages and food.  And a number of people

                 were laid off.

                            When we talk about economics, we

                 start to realize that these people shut down

                 many of their businesses, their hours were

                 reduced, and that related to less income for

                 the State of New York.  Last year there was

                 $146 million taken in in Quick Draw.  That

                 part of it was part of our budget last year of

                 how much was going into aid for education.

                            Now, when we say we want to cut





                                                          3991



                 these programs out, we also have to start to

                 look at where are we going to get the money.

                 These are viable businesses.  Are we saying to

                 these businesses:  Shut down your business, we

                 don't need you?  We understand that all of

                 these businesses pay a business tax, their

                 employees pay a tax.  And the revenue that

                 they receive and the revenue that goes to the

                 state keeps a vital small business going.

                            And I cannot understand why we can

                 keep knocking something.  People are going to

                 gamble in one shape or form no matter what

                 happens today in this world.  But here we are,

                 we're saying to a business that we asked to

                 invest.  Some of them invested 25,000 and

                 30,000.  Because at the last go-round we made

                 changes and we said, so much of your business

                 has to be devoted to food.  If you don't meet

                 that requirement, you're not going to have

                 your license.  Many of them invested that

                 25,000 or 30,000 or $40,000.  And when we shut

                 them down, they had no place to go for the

                 revenue.  They had to go to a bank and borrow

                 the money to pay their mortgage for upgrading

                 their facility to meet the demands of the





                                                          3992



                 State of New York, and then the State of New

                 York shut them down.

                            And here we are again only

                 extending this for three months.  We should

                 extend it.  We should extend it for a minimum

                 of two to three years.  And, yes, we have

                 studies.  And we'll always have studies to

                 find out about what people do with gambling.

                 But here we have an industry where we ask

                 people to invest 25,000, 35,000, $40,000 of

                 their own money in order to participate in a

                 program that the State of New York approved

                 of.  And what happened?  They lost, and they

                 lost.

                            Most of these in this paper that I

                 have said it took them two to three, four,

                 five months to just get back even, not make

                 profit.  What we're doing here in extending

                 this is saying, to those that we asked to be a

                 partner with us in helping us raise revenue so

                 we increase aid to education, We're going

                 giving you a small tip.  And that tip is for

                 three months.

                            ACTING PRESIDENT KUHL:    Senator

                 Paterson, why do you rise?





                                                          3993



                            SENATOR PATERSON:    Mr. President,

                 would Senator Larkin yield for a question?

                            ACTING PRESIDENT KUHL:    Senator

                 Larkin, do you yield to a question from

                 Senator Paterson?

                            SENATOR LARKIN:    I'll yield for a

                 question.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields to a question.

                            SENATOR PATERSON:    Senator, on

                 the issue, the economic issue that you just

                 discussed, what I heard Senator Padavan say

                 was that there were 3200 outlets, the vendor

                 got 6 percent, he took the $500 million and

                 divided it, and he said that each facility

                 averaged receiving $9,600.

                            So what he was saying was that

                 $9,600, much of it being replacement money -

                 in other words, entertainment money that was

                 spent on Quick Draw that probably would have

                 been spent somewhere else in the facility,

                 that there really wasn't enough to accommodate

                 any new employees.

                            So on the upward side of the

                 bell-shaped curve, I would think that there





                                                          3994



                 might be a few facilities that might have lost

                 money.  But if we're going to make an argument

                 that this is economically feasible, wouldn't

                 we understand that it would have been the

                 majority of these facilities, not the

                 exceptions, that we're saying employed people

                 and made money?  What I heard from you were a

                 couple of exceptions, a restaurant in the

                 district that Senator Skelos represents and

                 some facilities upstate that you cited.  But I

                 didn't hear anything that was clear and

                 convincing relating to the majority of the

                 facilities, that they were actually losing

                 money and not employing people.

                            So my question to you is, do you

                 have any systemwide information that refutes

                 what Senator Padavan is saying?

                            SENATOR LARKIN:    Mr. President,

                 Mr. Paterson, I took about 70 locations spread

                 out across the state, from Buffalo to Montauk

                 Point, including New York City, and we asked

                 the question of "What was the impact on your

                 core business?"  And the impact here:  My

                 lunch business, in one place here -- Fulton

                 County -- was off 50 percent.  I have lost an





                                                          3995



                 average of 2,000 in lunch and dinner trade.

                 My sales for the entire shutdown were

                 decreased by 20,000.  My shutdown cost of

                 $15,000 to $25,000 lost in food and beverages.

                 By business lunch was off 30 percent.  My food

                 and beverage for lunch and dinner was off

                 20 percent.  Overall business was lower than

                 20 percent.  Food and beverage decreased by

                 17 percent.  Late-night business and hotel

                 guests disappeared, a loss of 30 percent in

                 sales at the bar.  Sales decreased by 20,

                 25 percent.  30 percent decrease in food and

                 beverages.  20 percent decrease in food and

                 beverages.  25 percent decrease in food and

                 beverages.  Shutdown almost ruined my

                 business, I have not fully recovered today.

                            I could continue.

                            This is all over.  This is New York

                 City, this is Suffolk County, Nassau County,

                 the home of our leader, Saratoga County,

                 Depew, which is Senator Dale Volker's.  You

                 name it, it's there.

                            The idea of it is that this is

                 economic to them.  This is their livelihood.

                 Some of these places are two and three and





                                                          3996



                 four people running it.  When they close out,

                 they close out of business, and there's no

                 place else to go.  I interviewed approximately

                 35 to 40 people in the last two months.  And

                 some of the people that are working there,

                 some of the women, right in my own district,

                 they said this is the difference in having

                 icing on the cake for my family.  One woman

                 said:  I send my two children to a Catholic

                 elementary school, and the tips from what I

                 make at a facility -- without naming it -- is

                 great.  It allows me to send that child at my

                 pleasure to this parochial school.

                            Another one said:  I have a

                 retarded child, and this allows me to do

                 things that I would never done.  Because when

                 they're there, I'm here from 10:00 in the

                 morning till 3:00 in the afternoon.

                            Another one said:  I put my

                 children on the bus at 8 o'clock, I go there

                 at 10:00, I'm home when my children come home.

                 It allows me to buy the things that are

                 essential because my husband doesn't have

                 enough income coming in.

                            This is part of economics.  This is





                                                          3997



                 part of some of their livelihoods.  And I have

                 to go about that back to what I said before,

                 Senator Paterson.  We in this chamber and in

                 the other chamber specifically put in

                 provisions at the request of some people, as

                 Senator Padavan is well aware, that they had

                 to have so much of their space, so much of

                 their revenue devoted to food.  They did that.

                 And then we turned off the lights.  And when

                 we turned off the lights, they had a mortgage

                 of 25,000 or 30,000 and yet here you're seeing

                 people saying I lost business and I lost

                 revenue.

                            I think -- I believe -- I don't

                 think, I know that this money that we are

                 taking in is part of that enormous package

                 that many people want to add to the increase

                 in aid to education.  And if you take this

                 146 million away, you take that away from an

                 education outlet, you take it away from a

                 businessman.  And what do you do with some of

                 these people who had that mortgage of the

                 25,000 or 30,000 spread over four or five or

                 six, seven years, we're turning their light

                 off, and yet we're telling them to pay the





                                                          3998



                 freight.

                            ACTING PRESIDENT KUHL:    Senator

                 Paterson.

                            SENATOR PATERSON:    Mr. President,

                 on the bill.

                            ACTING PRESIDENT KUHL:    Well,

                 Senator Paterson, Senator Larkin had the

                 floor.  And there was a list going.  Senator

                 Dollinger was next, along with about seven

                 other Senators behind that.

                            SENATOR PATERSON:    Oh, I'm sorry,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    So if

                 they would all like to yield to you to speak

                 on the bill, that is fine.

                            SENATOR PATERSON:    No, I don't

                 want to owe them all, Mr. President.  I'll

                 come back later.

                            ACTING PRESIDENT KUHL:    Next on

                 the list is Senator Dollinger.

                            Senator Duane, why do you rise?

                            SENATOR DUANE:    Mr. President, I

                 was hoping that Senator Larkin would yield for

                 a question.

                            ACTING PRESIDENT KUHL:    Senator





                                                          3999



                 Larkin, do you yield to a question from

                 Senator Duane?

                            SENATOR LARKIN:    A question.

                            ACTING PRESIDENT KUHL:    Senator

                 Larkin yields to a question, Senator Duane.

                            SENATOR DUANE:    I'm wondering if

                 the Senator believes that perhaps the income

                 of some of these taverns would be improved if

                 we were legislating the opening of a brothel

                 or a place to sell joints or crack or

                 something, if that would increase the business

                 of some of these taverns.

                            SENATOR LARKIN:    Senator Duane,

                 would you please speak a little louder?  I

                 can't hear you over here.

                            SENATOR DUANE:    Mr. President,

                 maybe we should quiet down the chamber.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane.

                            SENATOR DUANE:    I'm wondering if

                 the Senator believes that if we were, instead

                 of legislating Quick Draw, which some of us

                 call video crack, if instead we were

                 legislating the legalization of -- instead of

                 that kind of gambling, if we were allowing





                                                          4000



                 brothels or the selling of marijuana or crack

                 in some of our taverns, if that would perhaps

                 increase their business as well.

                            SENATOR LARKIN:    Senator, I don't

                 think that's part of the question.  The

                 question we're addressing is Quick Draw.

                 We're not addressing others.

                            SENATOR DUANE:    Well, we're

                 talking about vices like gambling, aren't we,

                 Senator?

                            SENATOR LARKIN:    Senator, I'll

                 ask the question on Quick Draw.  The other

                 part of your question doesn't pertain to what

                 I'm responsible for.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato, did you have a question of Senator

                 Larkin?

                            SENATOR ONORATO:    If Senator

                 Larkin would yield to a question, please.

                            Senator, you mentioned quite a

                 number of statistics here about how many bars

                 and grills and whatever were losing money

                 because of -- to my knowledge, most of these

                 businesses were already in existence.  They

                 did not open specifically for the purpose of





                                                          4001



                 having a video Quick Draw machine installed

                 into their premises.

                            The restaurateurs also claimed that

                 when we passed the no-smoking ban in

                 restaurants, that they were all going to lose

                 money and go out of business.  All of the

                 restaurants that I frequent with the

                 no-smoking ban have not gone out of business

                 and have adapted to the rule.

                            So I don't believe that the fact

                 that they don't have a Quick Draw machine in

                 their establishment is going to close them

                 down in any way shape or form.

                            But beside that point, what other

                 little bit of extra money that some of them

                 may be making, there's also the probability

                 that Quick Draw is almost like a video game.

                 And it's brought into not only bars and

                 grills, but in really fine restaurants around.

                 And I've seen children getting involved in

                 this Quick Draw.  And it's one of the quickest

                 way for them to get involved in gambling.

                 It's the slippery slope to becoming a

                 gambler's anonymous or a gambling alcoholic or

                 whatever you want to call them, addicted to





                                                          4002



                 gambling.

                            And then the overall problem, we

                 probably cause more debt for some of the

                 services that we have to provide to these

                 gamblers who don't bring their money home to

                 their families.  Is there any part of the

                 Quick Draw money -- you say it's going for

                 education.  What part of is going to cure the

                 gamblers that are addicted to this gambling

                 scheme?

                            SENATOR LARKIN:    I don't know if

                 it's coming directly out of this pocket,

                 Senator.  But there are funds that go to a

                 Gambling Anonymous -- I don't know if that's

                 the correct term in here.  But we have an

                 agency here in the state that receives money

                 in order to educate people against bad

                 problems of gambling.  And it's a whole

                 society effort on it.

                            SENATOR ONORATO:    One more

                 follow-up question.

                            ACTING PRESIDENT KUHL:    Senator

                 Larkin, do you continue to yield to Senator

                 Onorato?

                            The Senator continues to yield.





                                                          4003



                            SENATOR ONORATO:    Again, in view

                 of the fact that Quick Draw is so very closely

                 related to a video game, can you actually not

                 believe that there is a very, very serious

                 problem that children would be more

                 susceptible to getting involved in this game?

                            Because I know we're supposed to

                 have the machine in the clear visibility of

                 the bartender or whoever it is to keep an eye

                 on it.  But we all know that that's virtually

                 impossible to do, because when a bartender is

                 mixing drinks and it's crowded, he doesn't

                 have the time to go over and look, or could

                 care less about it.

                            SENATOR LARKIN:    Well, I don't

                 know that that's -- that may be true in

                 Queens, but in the facilities that I visited,

                 it doesn't hold true.  There are no children

                 that I ever see near the Quick Draw machines.

                            And when you look at the rules and

                 regulations that come out of the lottery

                 division to the operators of the Quick Draw,

                 they're specifically informed of what they can

                 and can't do, and the fines.  And they've

                 terminated Quick Draw when they found out that





                                                          4004



                 there was a violation.

                            So what I'm saying is that this is

                 monitored, we have peopled in the lottery

                 division that go out on a regular, routine

                 basis, unannounced, unannounced.  And some of

                 the Quick Draw operators complain about it:

                 They come in here at lunchtime, they come in

                 here at suppertime, they come in when our

                 busiest time is.

                            That's fine with me, because then

                 they're observing that facility operating

                 Quick Draw to ensure that they're complying

                 with the rules and regulations of the Lottery

                 Division.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, why do you rise?

                            SENATOR DOLLINGER:    On the bill,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, on the bill.

                            SENATOR DOLLINGER:    I know that

                 we've sort of jumped this appropriations bill

                 into a discussion of Quick Draw.  My views on

                 it are well-known.  But I have to add one

                 thing to what Senator Larkin said.





                                                          4005



                            Senator Larkin I think made a very

                 cogent and powerful presentation that people

                 needed Quick Draw in their facility in order

                 to be able to continue to survive.  I would

                 suggest to Senator Larkin that that is the

                 exact problem that Senator Padavan and I have

                 been talking about since the day we first

                 heard the words "Quick Draw."  That what we

                 now have is we now have restaurant addicts.

                 We now have bar addicts.  They're addicted to

                 Quick Draw.  They have to have it in order to

                 be able to make money, so Senator Larkin says.

                            That's the whole point.  The whole

                 point is we have now taken not just the people

                 who play but the taverns that are selling it,

                 and we've addicted them.  What are we doing

                 with gambling?  We're taking not only the

                 people who are paying the price by throwing

                 their ten or twenty dollars over the counter

                 that they shouldn't be paying -- and they're

                 not going to win any money, because this game

                 has odds that are enormously stacked against

                 the bettors.

                            So we've created a dependency on

                 the part of the bettors, and now we've created





                                                          4006



                 a dependency on the part of the industry.  How

                 many more people are going to be infected with

                 the virus of gambling in New York State

                 because we think it's okay?

                            And we've gone around the state and

                 told gamblers it's okay to play Quick Draw.

                 And now we've gone to tavern owners and said

                 it's okay to sell this product, you can make

                 money selling it.  And now they're hooked on

                 it.  Now we've got businesses that are hooked

                 on it, we've got people that are hooked on it.

                            This is the whole problem with

                 addiction to gambling.  This is what Senator

                 Padavan fought against from the start, that

                 exactly the argument that Senator Larkin would

                 make.  That is, businesses now say they need

                 gambling.  Well, they're as addicted as the

                 people who are playing the game.

                            I would suggest that that's a

                 fallacy built on an improper assumption and

                 that the nature of gambling is exactly that,

                 it becomes addictive, it becomes destructive,

                 and it's going to eat away at the fiber of

                 New York.

                            I would suggest to Senator Padavan





                                                          4007



                 that the other thing that he needs to do is to

                 look outside the United States in order to

                 determine the real nature of gambling

                 problems.  He talked about the presidential

                 study about gambling.  Let me call to mind two

                 other studies, both of them from outside the

                 United States.

                            One comes from the University of

                 New South Wales in Australia.  What it says is

                 that the three elements relevant to gamblers

                 irrespective of what their background is, the

                 most important determinative, the most

                 important determinant to the incidence of

                 pathological gambling, people who become

                 addicted to gambling, it's tied to the number

                 of available gambling outlets.

                            The more places you have to gamble,

                 the more you encourage pathological, addictive

                 gambling.  We know the consequences of that

                 disease.  We know what they are.  We know how

                 it erodes family incomes and can tear families

                 apart.  We know it's connected to domestic

                 violence.  We know it's connected to family

                 deterioration.  And yet the evidence is the

                 more outlets we have, the more we increase the





                                                          4008



                 problem.  Why we would have 3200 outlets for

                 Quick Draw is absolutely unfathomable.

                            The last piece I would just

                 mention, again, Senator Padavan, look outside

                 the United States at a study from Toronto,

                 Ontario.  The government of Ontario has

                 committed itself both to Quick Draw and to

                 casinos.  And what do they tell you?  They

                 tell you that the incidence of gambling is

                 actually related to psychological deficits.

                 There's a study that ties it to attention

                 deficit hyperactivity disorder, a well-known,

                 well-established psychological condition.

                            And what it says is that this

                 disease, this psychological problem, leads to

                 impulsivity and the difficulty of sustaining

                 attention.  And it further says that

                 gambling -- for people who have this problem,

                 gambling impulses are poorly controlled and

                 chronic boredom, depression, and low

                 self-esteem, which are all symptoms of this

                 disease, are relieved by the stimulus and

                 reward of gambling.

                            We may be actually exposing those

                 who are psychologically unprepared for





                                                          4009



                 gambling, we may be actually taking people who

                 have a physical limitation and we may be

                 exposing them to gambling, which is only going

                 to accentuate their physical limitation or

                 psychological disorder.

                            We all know that gambling preys

                 upon people.  We all know it can be addictive.

                 I think it's an absolute national shame that

                 we may be actually feeding an addiction of a

                 population that has a psychological deficit

                 that leads them to this kind of impulsive

                 gambling.

                            We are continuing to walk down a

                 road that leads to nowhere.  We are continuing

                 with Senator Larkin, who properly represented

                 the potential impact on the industry of

                 entertainment and the tavern industry.  But I

                 would suggest that they are addicted, a

                 significant portion of our population is

                 addicted.  And why we would continue to not

                 only allow this out in the marketplace but we

                 instead promote it, we take the imprimatur of

                 the State of New York and we say that this is

                 not only okay, it is good.  It is something

                 that the state Legislature thinks is good.





                                                          4010



                            I would suggest, Mr. President, we

                 have to stop sending that message to anyone in

                 this state that gambling of this nature is

                 good.  It is not good.  It is bad, it is

                 destructive, it eats away at the fiber of our

                 families, it creates an addiction in our small

                 tavern owners and restaurants.  And under

                 those circumstances, Mr. President, I would

                 say we need to get off this road immediately,

                 erect a big stop sign right in the middle of

                 the road, and say stop this game now.

                            I will be voting in the negative on

                 this entire budget appropriation, simply

                 because if we don't send that message, we

                 consign a whole group of people in this state

                 to a continuing mystery.

                            ACTING PRESIDENT KUHL:    Senator

                 Brown, why do you rise?

                            SENATOR BROWN:    Mr. President, I

                 would like to speak on the bill.

                            ACTING PRESIDENT KUHL:    Senator

                 Brown, on the bill.

                            SENATOR BROWN:    Like Senator

                 Padavan and others that have spoken, I too

                 have some concerns about Quick Draw.  And





                                                          4011



                 while I'll be speaking on other elements of

                 the emergency language bill, I want to speak

                 to Quick Draw right now.

                            I represent the 57th district,

                 which is Buffalo, Niagara Falls, Grand Island,

                 and the City of Tonawanda.  My parents live in

                 the district that's represented by Senator

                 Malcolm Smith.  And I went to junior high

                 school in the district that is represented by

                 Senator Padavan.  This morning when I came in,

                 I got a memo from Senator Padavan which

                 outlines some of his concerns on Quick Draw,

                 and I took the time to read the memo.

                            And I appreciate Senator Padavan

                 for his concern to take the time to do this

                 kind of work, because it is clear that this

                 game, Quick Draw, is unlike many other games

                 of chance, unlike many other lotteries and

                 forms of gaming that exist in this community.

                 Quick Draw is highly addictive, highly

                 addictive.  And as Senator Padavan pointed

                 out, it affects the least among us, the

                 poorest among us, the poorest in our

                 communities who can least afford to be

                 involved in this form of gaming.





                                                          4012



                            Now, as Senator Padavan pointed

                 out, the average income per vendor across the

                 state, out of 3200 outlets, is only $9,375.

                 So we're not talking about tremendous economic

                 impact to businesses.  But the people that

                 play Quick Draw generally earn less than

                 $25,000 annually.

                            Now, this Quick Draw -- the thing

                 that gave us the ability to create Quick Draw

                 in 1995, as part of the legislation that

                 created it, the Division of Lottery was

                 required to conduct an evaluation in

                 conjunction with the Office of Mental

                 Health -- and Senator Padavan has cited the

                 study -- to look at the participants of this

                 game.  And the study concluded that this game

                 is hurting people.

                            So one would infer from what we did

                 in the legislation in 1995 to actually take a

                 look at Quick Draw, it meant that if it was

                 not working, if people were getting hurt, we

                 would look at reevaluating what we were doing

                 with Quick Draw.  Now is the time for us to

                 reevaluate.  People are getting hurt.  This

                 isn't helping the people who are playing Quick





                                                          4013



                 Draw.  They're addicted to the game.  They're

                 spending money that they can't afford to

                 spend, and in many cases families are being

                 hurt.

                            Senator Larkin talked about the

                 positive economic impact upstate.  Well, prior

                 to being elected to the Senate, I represented

                 a city council district that was about

                 90 percent African-American.  And I can tell

                 you, there is no positive economic impact of

                 Quick Draw on the city council district that I

                 represented.  In fact, right now, if you

                 walked around some of the streets in that

                 district, you could see grown men on the

                 street, grown men sitting in bars playing

                 Quick Draw, depressed because they can't find

                 jobs.  Not that they're lazy, not that they

                 don't want to work.  But the economic boom

                 that was enjoyed by downstate, by New York

                 City, just bypassed many part of upstate.  And

                 Buffalo, the City of Niagara Falls are a

                 couple of those examples of places that were

                 bypassed and a couple of examples of places

                 that are being hurt by games like Quick Draw.

                            So I appreciate Senator Padavan for





                                                          4014



                 his stance, for his research, for his taking

                 the time to stand up on principle and say to

                 us that with respect to Quick Draw we're going

                 in the wrong direction.

                            And a lot of things that we're

                 doing I think don't help some of the

                 communities that need the help the most in

                 this state.  Just recently, we watered down

                 the impact of the Empire Zones, the Empire

                 Zones that were designed to help urban

                 communities, communities where economic

                 opportunity had bypassed people, where

                 businesses weren't growing and where jobs

                 weren't being created.  And we just gutted

                 that program, and we're extending the benefits

                 of that program to communities that might not

                 need it as much as those that were originally

                 designed to benefit from that Empire Zone

                 program.

                            And so now today, by rote, and

                 Senator Padavan, when he spoke, said in spite

                 of the evidence that argues against the

                 continuance of Quick Draw, we're going to

                 continue it anyway.  So by rote, we're just

                 going to move forward.





                                                          4015



                            Well, Senator Padavan, I want to

                 say to you that I took the time to read what

                 you sent, and I took the time to listen to

                 what you had to say.  Now, I'm not going to

                 say to you that I'm opposed to all forms of

                 gaming.  And in fact, in the future I will

                 probably be sponsoring legislation to allow

                 gaming to come to parts of upstate.

                            Because some of my constituents are

                 asking for gaming, particularly in the City of

                 Niagara Falls, where just across the border,

                 in Niagara Falls, Ontario, that community is

                 taking in about a billion dollars annually on

                 gaming and tourists are crossing the border

                 and going to Niagara Falls, Ontario, as

                 opposed to Niagara Falls, New York.  But that

                 kind of game is not as insidious as the Quick

                 Draw game.  Evidence shows that it's not

                 hurting people and hurting families in the way

                 that Quick Draw does.

                            So, Senator Padavan, I've heard

                 you, I'm listening, and I share your concerns.

                            Thank you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato was next on the list.  I don't see him





                                                          4016



                 in the chamber.

                            Senator Duane, why do you rise?

                            SENATOR DUANE:    Thank you, Mr.

                 President.  I was hoping the sponsor would

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford is carrying the debate.  I don't see

                 him in the -- well, he's in the back of

                 chamber.  If you want to wait a minute, we'll

                 ask him.

                            SENATOR STAFFORD:    It's a

                 pleasure to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford yields to a question, Senator Duane.

                            SENATOR DUANE:    Thank you.  I'm

                 wondering why we are only doing an emergency

                 bill now instead of actually doing budget

                 bills for 2002.

                            SENATOR STAFFORD:    Mr. President,

                 is the Senator asking, in other words, why

                 aren't we doing a budget?

                            SENATOR DUANE:    Why are we not

                 doing the 2002 budget today, why are we doing

                 emergency bills?

                            SENATOR STAFFORD:    It would take





                                                          4017



                 some time to explain this.  There are many

                 vagaries and vicissitudes.  Because of course

                 we have, shall I say, a political climate here

                 that we're working with.  I've been here long

                 enough so that I understand these climates.  I

                 would share this -- and I say this very

                 sincerely, not at all attempting to make light

                 of the serious question that you asked.  This

                 house, the Majority, is more than anxious to

                 sit down and negotiate, on the anvil of

                 discussion, sensitivity, concern and

                 understanding.  If the party across the

                 Capitol on the second floor -- would that be

                 the north side? -- on the north side -- that's

                 right, because that's the south; right?  If we

                 do not find cooperation, concern,

                 understanding, and sensitivity there, then we

                 find we aren't able to use that anvil of

                 discussion and hammer out a budget that is

                 needed.

                            And this Majority wants to sit

                 down, wants to start, is frustrated, is

                 concerned and, as I say, more than willing to

                 do our job.

                            ACTING PRESIDENT KUHL:    Senator





                                                          4018



                 Duane.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question

                 from Senator Duane?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Can you tell me

                 why the conference committees have not met yet

                 on the 2002 budget, which might have meant

                 that we didn't have to do this emergency bill?

                            SENATOR STAFFORD:    Conference

                 committees -- as we all know, the conference

                 committees meet when one house passes a bill,

                 the other house passes a bill -- when we have

                 a situation where the bill has been passed.

                            And again, as -- I always receive

                 excellent counsel, as you can tell from my

                 presentations.  I don't take any credit for

                 them whatsoever, it's the people that work

                 with us, which is always the case.

                            We need to really sit down and





                                                          4019



                 first decide and agree what is available to

                 make a budget.  Up in my area, we say make a

                 budget, make budget.  Down here, I -- we work

                 on a budget.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            The Senator continues to yield.

                            SENATOR DUANE:    It's my

                 understanding that -- I know we've passed a

                 budget, the Assembly has also passed a budget.

                 So indeed, we are ready to have the conference

                 committees.  So I'm wondering why there's been

                 a delay, since both sides have passed their -

                            SENATOR STAFFORD:    This is -- my

                 counsel hit the nail right on the head and

                 explained, and now I'm attempting to explain

                 that before we can sit down with conference

                 committees, we have to have an agreement on

                 what's available.

                            SENATOR DUANE:    Then through you,

                 Mr. President, if the sponsor would continue

                 to yield.





                                                          4020



                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    When was the last

                 meeting between the finance people of both

                 houses and the Governor's finance people to

                 try to come up with that revenue amount?

                            SENATOR STAFFORD:    These meetings

                 are constant.  And the last meeting was two

                 days ago.

                            SENATOR DUANE:    And through you,

                 Mr. President, if the sponsor would continue

                 to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            The Senator continues to yield.

                            SENATOR DUANE:    Has any

                 consideration been given to setting up a

                 conference committee to decide what the

                 revenue is?

                            SENATOR STAFFORD:    Well, I'm not

                 sure that's the job of the conference

                 committees or a conference committee.  We have





                                                          4021



                 to have -- you know, a budget -- see, we make

                 policy here in the Legislature.  That is, we

                 think we do.  Sometimes we don't quite meet

                 our goal, but we work on it.  And when it

                 comes to avails, that is strictly -- not

                 strictly, but it's really crunching the

                 numbers and finding out what we have with the

                 revenues, with the revenues, and then

                 realizing what we have available, the avails.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    But is there

                 anything that prevents us from having a

                 conference committee to set the revenue?

                            SENATOR STAFFORD:    Well, I would

                 say that -- you know, I do my best not to be

                 political.  Not to be political.  Now -

                            SENATOR DUANE:    Me too.  Me too.

                            SENATOR STAFFORD:    Now, every





                                                          4022



                 couple of years you'll find I get a little

                 political, like all of us here, but I try not

                 to.  And I try not to point fingers.  I try

                 not to point fingers.  But again, I have to

                 refer to that north side of the Capitol on the

                 second floor for the reason.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane.

                            SENATOR DUANE:    Through you, Mr.

                 President, did you -- just to clarify.  Not to

                 be political, but do be factual, do you mean

                 the Assembly or the Governor?

                            SENATOR STAFFORD:    Well, the

                 second floor -- did I say second floor?  Oh,

                 correction.  Thank you.  Thank you very much.

                 You know, it's amazing what fatigue will do.

                            (Laughter.)

                            SENATOR STAFFORD:    You wore me

                 down yesterday, and now I'm trying to get a

                 second wind.  But let me correct that.  I

                 can't believe I said the second -- anyway,

                 third floor.  North side of the Capitol.  And

                 thank you for the correction.  And I stand

                 corrected.

                            SENATOR DUANE:    And through you,





                                                          4023



                 Mr. President, if the sponsor would continue

                 to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR DUANE:    I would be

                 remiss, though, if I didn't ask whether or not

                 there was an agreement between the Senate and

                 the Governor, though, on the revenue estimate.

                            SENATOR STAFFORD:    Well, I don't

                 think that we should look for agreement there

                 until those of us on the second floor have

                 really worked things out.  And of course

                 that's the job right now, for us to pass a

                 budget -- did I say second floor again?  Well,

                 I don't believe that.  I've got to get ahold

                 of myself.

                            The third floor.  It's up to those

                 of us on the third floor to do our job.  I

                 apologize.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.





                                                          4024



                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    Can you tell me

                 when the extender bill was drafted?

                            SENATOR STAFFORD:    Yes.  The

                 staff that drafted this -- we were all there.

                 And it was drafted last Thursday, the 22nd of

                 March.  That's when it was drafted.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Is it within the

                 realm of possibility that while the Finance

                 staff was working on the extender they could

                 have in fact been working on the 2002 budget?

                            SENATOR STAFFORD:    Well, you

                 know, I -- now, we had a question like that,

                 Mr. President, when we said does it cost more

                 really to have an extender, are we spending

                 time where we should spend on something else.





                                                          4025



                 I think -- and I don't mean to make light of

                 extenders, and I don't mean to say that this

                 minibudget isn't important.  But we have a

                 great deal of faith, admiration and also

                 understanding of the work our staff does.  And

                 I have to say I don't believe these -

                 drafting this minibill or extender taxes them.

                 And I don't think it takes away from any work

                 that needs to be done.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    I want to be

                 clear that I have no doubt that the Assembly

                 is equal in blame to the lateness of the

                 budget.  But we are responsible, really

                 responsible for our own side of the street

                 only, and I'm wondering whether or not the

                 sponsor believes that it might be a good idea

                 for us all to work through the weekend, since





                                                          4026



                 Sunday is April 1st, to try to meet that

                 budget deadline, or to give up our holiday

                 vacations and Holy Day vacations to try to get

                 the job done for the people of the State of

                 New York, if we are -- if we should be willing

                 to make that offer.

                            SENATOR STAFFORD:    Well, I would

                 emphasize that staff will be working until we

                 have a budget passed.  And as far as the north

                 side of the third floor, I'm always reminded

                 of what an old gentleman used to say to me

                 that lived up the Adirondacks.  He said you

                 can lead a horse to water, but you can't make

                 him brush his teeth.

                            (Laughter.)

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            The Senator yields, Senator Duane.

                            SENATOR DUANE:    I am wondering,

                 though, whether it might not be prudent for us

                 to actually make that offer, that we would be

                 willing to forgo our time off and spend most





                                                          4027



                 of our waking hours working on the budget

                 until it's done, even if that means giving up

                 a weekend or giving up time off that we have

                 around holidays and Holy Days in the next

                 couple of weeks.  Again, only being

                 responsible for our own side of the street, if

                 we would be willing to make that offer.

                            SENATOR STAFFORD:    Mr. President,

                 I would assure all here in the Senate with me

                 that we will be in touch with the staff who

                 are working.  And as a matter of fact, I

                 assure you, if I don't call Mr. Lackman, he

                 will call me.  And I assure you, it's more

                 than once during the weekend.  And also, he

                 has my cell phone and insists that I carry

                 that with me when I go back to my district

                 when I do.

                            So there is constant communication,

                 work is being done, and we just have to stay

                 with it.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?





                                                          4028



                            SENATOR STAFFORD:    Yes.  Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    I'm wondering if

                 the Finance chair, though, today -- and again,

                 just being responsible for our own house, for

                 our own side of the street -- would be willing

                 today to make that offer to the other parties

                 involved in the budget and say we're willing

                 to stay and get it done, if we could make that

                 offer to them today.

                            SENATOR STAFFORD:    Mr. President,

                 I would emphasize that there has to be

                 communication so that -- you could make any

                 offer.  I don't think we should make offers

                 that aren't realistic.  I would say this, that

                 if we could just sit down and agree on the

                 parameters as far as avails are concerned, we

                 then could take steps toward getting a budget

                 passed.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?





                                                          4029



                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    Could not the

                 Finance chair today pick up the phone and dial

                 the north side, third floor, and say, We're

                 willing to stay and work, how about you?  Is

                 it not possible for us to make that overture

                 today?

                            SENATOR STAFFORD:    Well, Mr.

                 President, I could do that.  Anyone could do

                 that.

                            SENATOR DUANE:    Through you, Mr.

                 President, may I do that?

                            ACTING PRESIDENT KUHL:    I don't

                 think Senator Stafford has answered your

                 question entirely.  I'm going to give him the

                 opportunity to finish his answer.

                            SENATOR STAFFORD:    Mr. President,

                 to continue, the point was made about the

                 germaneness and exactly what we're debating

                 here.  And I think we are going a bit afield.

                 But I certainly will answer this question.

                            And I think that there has to be a

                 communication, the parameters of avails





                                                          4030



                 established, before we're going to be able to

                 take any steps which are useful.

                            SENATOR DUANE:    Mr. President,

                 I'm sorry, I just -- I could not hear that.

                 There's some noise in the chamber.  Could the

                 sponsor repeat his answer?

                            SENATOR STAFFORD:    The Assembly

                 has already gone home.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Could not the

                 Assembly be called back into session?

                            SENATOR STAFFORD:    That's of

                 course a question -- Mr. President, I would

                 urge that we stay on the bill here.  I think

                 I've attempted to answer and will again state

                 that we have to have agreement on avails and

                 have to understand where our parameters are if

                 we're going to establish communication and





                                                          4031



                 have some meaningful work done.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    What would happen

                 if this extender bill didn't pass?

                            SENATOR STAFFORD:    I think it

                 would be very serious.  I was going to say

                 something light, and I shouldn't on that

                 question.  It would be very, very serious.

                 Government would not continue.  And it

                 would -- I could name a hundred things that

                 would not be functioning.  And we would, I

                 think, find that it was irresponsible not to

                 pass this bill.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?





                                                          4032



                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    More or less

                 irresponsible than not actually passing the

                 2002 budget bill?

                            SENATOR STAFFORD:    Excuse me?

                            SENATOR DUANE:    More or less

                 irresponsible -

                            ACTING PRESIDENT KUHL:    I don't

                 think the Senator understood your question,

                 Senator Duane.  Maybe you'd like to speak to

                 the Senator directly so he hears you.  But I

                 don't think he understood your question.

                            SENATOR DUANE:    More or less

                 irresponsible than not paying the 2002 budget?

                            SENATOR STAFFORD:    One man's

                 ceiling is another man's floor, often.  As

                 I've often said here.  You know, sure, we need

                 another budget.  Or not -- excuse me.  Sure,

                 we need a budget.  But on the other hand, we

                 need to continue government.  And of course I

                 think we should do it.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to





                                                          4033



                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    Has the State

                 Comptroller weighed in on this extender bill?

                            SENATOR STAFFORD:    The State

                 Comptroller -- of course this is a legislative

                 branch.  I'm sure we're always pleased to have

                 the communication, have input from any agency,

                 anybody in government.  But we're not aware of

                 any -- I'm not aware of any actual input in

                 this bill.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    I'm hoping that

                 the Senator could describe the details of the





                                                          4034



                 waiver of jury sequestration that's in this

                 extender.

                            SENATOR STAFFORD:    I couldn't

                 hear that.  Would you repeat the question,

                 please.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane, would you repeat the question for

                 Senator Stafford.

                            SENATOR DUANE:    If the sponsor

                 could give us the details of the waiver of

                 jury sequestration.  I'm having trouble saying

                 that word, sequestration.  Like filtration,

                 only sequestration?

                            SENATOR STAFFORD:    This is

                 extended for three weeks, Mr. President.

                            SENATOR DUANE:    But through you,

                 Mr. President, if he could just describe what

                 it is.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question

                 from Senator Duane?

                            SENATOR STAFFORD:    Mr. President,

                 even the staff has taken pity on me.  And they

                 said just read what that says.  So that's what

                 I'll do.





                                                          4035



                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR STAFFORD:    It extends for

                 three weeks the authority of judges to suspend

                 the requirement for jury sequestration in

                 certain cases.

                            And, Mr. President, am I being

                 asked what jury sequestration is?

                            ACTING PRESIDENT KUHL:    I don't

                 believe that was the question, Senator.

                            Senator Duane, do you ask Senator

                 Stafford to yield to another question?

                            SENATOR DUANE:    Another question.

                 I'm going to move on to a different area.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    I'm wondering if

                 the sponsor could tell us why it was decided

                 to put Quick Draw extender in this bill as

                 if -- you know, to describe what is the

                 emergency and why it's just mushed into this

                 emergency extender.





                                                          4036



                            SENATOR STAFFORD:    Mr. President,

                 you find in government, we have legislation.

                 And this is what we have before us.  And we

                 find that legislation has often various

                 sections and we accomplish various goals.  One

                 of the goals of this bill is to pass the

                 provision that you referred to.  And that is

                 why.

                            And it's been explained very well

                 by Senator Larkin and I believe other Senators

                 here today just how important this provision

                 is to businesses in various parts of the

                 state, and it does raise $4 million a week.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DUANE:    Is it really an

                 emergency to provide for snowmobile trails?  I

                 mean, what is that money really used for?  And

                 would it be, you know, a catastrophe if that





                                                          4037



                 money wasn't in the emergency -

                            SENATOR STAFFORD:    Mr. President,

                 I wish I could answer that question, because

                 that is something that I'm very, very

                 concerned about and is very near and dear to

                 the people of the North Country.  But I can't,

                 because it's not in this bill.

                            SENATOR DUANE:    Oh.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane.

                            SENATOR DUANE:    My apology.  I

                 thought that the snowmobile trail thing was in

                 this bill.

                            And I also just wanted to ask if

                 any thought had been given -

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question

                 from Senator Duane?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    -- on something

                 that's very important to me and people in the

                 South Country.  I'm wondering if there's been

                 any thought about presumptive eligibility for





                                                          4038



                 inmates, presumptive eligibility for Medicaid

                 once they've been released from prison.

                            SENATOR STAFFORD:    Mr. President,

                 I think that's something we're all concerned

                 about, but that's not in this bill.

                            SENATOR DUANE:    Thank you.  Thank

                 you.

                            ACTING PRESIDENT KUHL:    Senator

                 Lachman, why do you rise?

                            SENATOR LACHMAN:    Mr. President,

                 I rise to speak briefly on Quick Draw.  And

                 through you, Mr. President, with the

                 permission of the distinguished chairman of

                 the Finance Committee, I would have a question

                 or two for him afterwards.

                            ACTING PRESIDENT KUHL:    Would you

                 like to have him yield to a question first?

                            SENATOR LACHMAN:    Well, they're

                 unrelated.

                            So I just very quickly would like

                 to say that I would like to slowly withdraw

                 from Quick Draw, after having commended

                 Senator Frank Padavan for his memorandum and

                 his position.  And I also regret that I cannot

                 vote the way I want to vote on the issue of





                                                          4039



                 Quick Draw, because it is part of an extender

                 bill that has many excellent aspects of it.

                            Now, one of the excellent aspects

                 to this is the extension for four years of the

                 MTA tax surcharge.  But I do have now a couple

                 of questions, through you, Mr. President, for

                 the distinguished chairman of the committee.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, would you yield to a question from

                 Senator Lachman?

                            SENATOR STAFFORD:    Mr. President,

                 I certainly yield.

                            And you find yourself reacting

                 various ways when you're doing this, and I

                 felt I was a little quick yesterday with the

                 Senator who is asking the questions.  Exactly,

                 there were two.  So I apologize and I yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR LACHMAN:    Mr. President,

                 there is no need for Senator Stafford to

                 apologize for anything.  I respect him and

                 admire him and his ability.

                            But I do have a couple of

                 questions, with your permission, Mr.





                                                          4040



                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR LACHMAN:    Okay.  Since

                 the MTA tax surcharge extension is the longest

                 extension we have in this emergency language

                 bill -- I believe it's four years.  The other

                 extensions are for one year, two years, or

                 three years -- wouldn't we be better off,

                 Senator, in having a permanent extension of

                 this surcharge?  I say this because I have

                 been informed that the financial markets would

                 feel that this would be better for the MTA in

                 the long run, especially in the support of MTA

                 bonds.

                            SENATOR STAFFORD:    Mr. President,

                 I would answer it in two ways here.  First,

                 we're having the extension for four years

                 because the MTA has to put out paper.  And

                 there has to be a financial stability.

                            Now, if it was made permanent, it

                 would affect insurance companies, and they

                 would be paying more insurance -- more taxes,

                 excuse me.  I'm slow today.  More taxes.

                            SENATOR LACHMAN:    You're doing





                                                          4041



                 very well.  I appreciate it.

                            Mr. President, through you, can -

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR LACHMAN:    Am I correct in

                 asserting that the financial markets, however,

                 would prefer to have a permanent surcharge

                 which would enable to secure more adequately

                 the MTA bonds in this area?

                            SENATOR STAFFORD:    It's very

                 complicated.  And it's -- and I know you're

                 familiar with financial paper, and I am to a

                 degree.  And I hear exactly what you're

                 asking, and it's right on target.  The problem

                 is it would affect insurance companies here in

                 New York because of retaliatory taxes that we

                 have in other states.

                            So we have to try to balance here.

                 And most financial houses -- or the financial

                 houses understand the four-year extension.

                            SENATOR LACHMAN:    Mr. President,

                 through you, would the distinguished Senator





                                                          4042



                 and chairman of the Finance Committee continue

                 to yield?

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to a question from

                 Senator Lachman?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR LACHMAN:    I know that you

                 have this information and that your staff,

                 well-equipped, has the information.  But I

                 would like to know how much this surcharge

                 would bring to the MTA in the following fiscal

                 year, in terms of dollars.

                            SENATOR STAFFORD:    You know that

                 my staff has good roots.

                            SENATOR LACHMAN:    I know him

                 vaguely.

                            SENATOR STAFFORD:    And the

                 answer, right from there, is $530 million.

                            SENATOR LACHMAN:    Mr. President,

                 through you.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            The Senator continues to yield.





                                                          4043



                            SENATOR LACHMAN:    Is this

                 approximately the same amount that the

                 surcharge has generated during this present

                 fiscal year?

                            SENATOR STAFFORD:    Mr. President,

                 it would be about the same.  Possibly a little

                 bit more.

                            SENATOR LACHMAN:    Mr. President,

                 on the bill.

                            Thank you kindly, Senator Stafford.

                            ACTING PRESIDENT KUHL:    Senator

                 Lachman, on the bill.

                            SENATOR LACHMAN:    With

                 reservations in some areas, and with

                 difficulty in accepting certain provisions,

                 such as the Quick Draw provision -- but as I

                 explained to Senator Padavan yesterday before

                 his memorandum arrived, there's more to gain

                 from this than to lose from this.  However, I

                 would hope that the chairman, the

                 distinguished chairman of the Finance

                 Committee, and his distinguished advisors

                 would look into the possibility of having a

                 permanent surcharge, which I have been led to

                 believe by outside sources is what the





                                                          4044



                 financial community actually desires and would

                 be able to support MTA bonds more adequately

                 than having surcharges for three or four

                 years.

                            I support this legislation.  Thank

                 you.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato, why do you rise?

                            SENATOR ONORATO:    Will Senator

                 Stafford yield to a question?

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield a question from Senator

                 Onorato?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR ONORATO:    Senator, I'm a

                 little perplexed about the Loft Law.  It has

                 nothing to do with any finance, it doesn't

                 bring any money in.  It's not a budget bill.

                            And why would we only be extending

                 it -- it's expiring on March 31st of this

                 year.  We're subjecting a great number of

                 people to a great deal of anxiety by not

                 extending -- we're extending everything else





                                                          4045



                 around for three years, four years.  Why is it

                 part of a budget bill rather than a just

                 straight-out bill, an extender?

                            SENATOR STAFFORD:    Mr. President,

                 my esteemed and distinguished colleague

                 from -

                            SENATOR ONORATO:    Queens.  I live

                 near Frank Padavan.

                            SENATOR STAFFORD:    -- from

                 Queens -- I can remember when there were farms

                 in Queens -- is perplexed with the Loft Law.

                 What do you think people who live where we

                 have all the deer and bear, what do you think

                 we are?

                            But on a serious note, the house on

                 the north side, on the third floor, had this

                 as a proviso if we were going to continue

                 government.

                            SENATOR ONORATO:    Are you

                 implying -

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato, are you asking Senator Stafford to

                 yield for another question?

                            SENATOR ONORATO:    Yes.

                            ACTING PRESIDENT KUHL:    Senator





                                                          4046



                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            SENATOR ONORATO:    Are you

                 implying that the Assembly only requested a

                 three-month extender rather than a full

                 extender, the way we do with any other

                 rent-controlled apartment?

                            SENATOR STAFFORD:    Mr. President,

                 I think that, as so many times I find it that

                 way, very often I ask a question and I know

                 the answer once I've asked the question.

                            SENATOR ONORATO:    I don't know

                 the answer to that, and that's why I'm asking.

                 I am surprised that we're only extending it

                 for a couple of months when everybody knows

                 that we do all of these kind of plans for two

                 or three years.

                            SENATOR STAFFORD:    The proviso

                 was for three months.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato?

                            SENATOR ONORATO:    Thank you.

                            ACTING PRESIDENT KUHL:    Senator

                 Breslin, why do you rise?

                            SENATOR BRESLIN:    Mr. President,





                                                          4047



                 will the sponsor yield for a couple of

                 questions?

                            SENATOR STAFFORD:    Mr. President,

                 now I also have an opportunity to share with

                 my esteemed and distinguished colleague from

                 Fort Orange that I was a little quick

                 yesterday, and I certainly apologize.  And now

                 it gives them a -- my colleagues an

                 opportunity to be quick with me.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR BRESLIN:    Not at all, Mr.

                 President.  My distinguished friend and

                 colleague, no apology needed.

                            And I had a couple of questions

                 relating to jury sequestration.  And first of

                 all, it appears to be that they've

                 distinguished between more serious crimes,

                 Class A felonies and B and C violent felonies.

                 Can you tell us why there's a distinction

                 between the nature of crimes?

                            SENATOR STAFFORD:    First, I'd

                 point out to my colleagues here, Albany used

                 to be called Fort Orange.  That's important.

                            SENATOR BRESLIN:    It was named





                                                          4048



                 after the club, I believe.

                            SENATOR STAFFORD:    Now I have my

                 esteemed colleague -- I think I know the

                 answer, but let me see whether I'm right or

                 not.

                            The answer is quite complicated,

                 but I'll make it simple because that's the

                 only way I can do it.  There are negotiations

                 going on right now as far as the issues you

                 had referred to, and they asked for a

                 three-week extension here to see what can get

                 worked out, when we'll have sequestration,

                 when the judges will be doing it.  And that's

                 what's going on right now.

                            SENATOR BRESLIN:    One or two

                 additional questions.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield to a

                 question from Senator Breslin?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR BRESLIN:    Since the

                 initial enactment in 1995 of the sequestration

                 statute, if you will, has there been any cost





                                                          4049



                 savings?  And if, so how much?

                            SENATOR STAFFORD:    I remember

                 that, again, Senator Breslin's question is

                 about cost savings.  And they have been large.

                 And they hope that they will be continued in

                 these negotiations.

                            ACTING PRESIDENT KUHL:    Senator

                 Breslin.

                            SENATOR BRESLIN:    Through you,

                 Mr. President, how large?

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR BRESLIN:    Bigger than a

                 bread basket?

                            SENATOR STAFFORD:    You don't want

                 to start that with him.

                            SENATOR BRESLIN:    I have no

                 further questions.

                            SENATOR STAFFORD:    Yes.

                            SENATOR BRESLIN:    Thank you.

                            ACTING PRESIDENT KUHL:    Senator

                 Paterson is not in the chamber.

                            Senator Hassell-Thompson is on the

                 list.  Senator Montgomery, do you wish to be

                 put on the list?





                                                          4050



                            SENATOR MONTGOMERY:    Yes.

                            ACTING PRESIDENT KUHL:    All

                 right, Senator Montgomery is added.

                            Senator Hassell-Thompson, why do

                 you rise?

                            SENATOR HASSELL-THOMPSON:    If the

                 Senator would yield to a question, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to a question from

                 Senator Hassell-Thompson?

                            The Senator yields.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you, Senator.  We have heard consistently the

                 last couple of days that both yesterday's bill

                 and today's language bill contain items of

                 emergency, of an emergency nature that

                 requires that we do these extensions.  So I'd

                 like to ask, Part C, Section 36 on the

                 Department of Health Medicaid payments for

                 inmates, can you tell me why this has been

                 included in the emergency language bill?

                            SENATOR STAFFORD:    Mr. President,

                 we're in the process of going back to the

                 federal government claiming benefits for those





                                                          4051



                 you had referred to.  Therefore, we want to

                 continue this for three weeks so we can

                 continue that process.

                            SENATOR HASSELL-THOMPSON:    If the

                 Senator would continue to yield, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:

                 Senator Stafford, I understand that to be true

                 of many of the proposals that we're

                 discussing.  But this is a new proposal.  And

                 I'm not clear how we can be collecting or

                 requesting funds for a proposal that is new.

                 This is a new initiative.

                            SENATOR STAFFORD:    Mr. President,

                 you want to maximize the federal dollars for

                 all of these programs; therefore, you go back

                 and see if we can get the qualifications set

                 and get the funds and get more money for the

                 state.

                            SENATOR HASSELL-THOMPSON:    If the





                                                          4052



                 Senator would continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you.  Through you, Mr. President.  Then the

                 answer to that is that we have a window of

                 opportunity in which we are trying to capture

                 these dollars even though they are new dollars

                 and a new initiative?

                            SENATOR STAFFORD:    The window of

                 opportunity is really to continue this

                 process.

                            SENATOR HASSELL-THOMPSON:    To

                 continue the process of a new initiative?

                            SENATOR STAFFORD:    Pardon me.

                 Yeah, going to the federal government, going

                 back two years and trying to get funding for

                 the benefits you've referred to.

                            SENATOR HASSELL-THOMPSON:    If the

                 Senator will continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?





                                                          4053



                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:    Does

                 the Legislature have to approve new federal

                 maximization plans such as this Medicaid

                 payment for inmates prior to an agreement on

                 the budget?

                            SENATOR STAFFORD:    Once we get

                 the money, Mr. President, then it would have

                 to be appropriated.

                            ACTING PRESIDENT KUHL:    Senator

                 Hassell-Thompson.

                            SENATOR HASSELL-THOMPSON:

                 Through you, Mr. President, if the Senator

                 would answer that again.  I wasn't -- I'm not

                 clear on the answer.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to another question

                 from Senator Hassell-Thompson?

                            SENATOR STAFFORD:    Yeah, I yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR HASSELL-THOMPSON:    I'd

                 like -- I'm sorry, I was asking if you would





                                                          4054



                 repeat your answer.  I didn't understand the

                 answer to the question.

                            SENATOR STAFFORD:    As I often

                 point out here, when the state gets any funds

                 in revenue, federal government, fees,

                 anywhere, before it can be spent, we have to

                 appropriate the money.

                            ACTING PRESIDENT KUHL:    Senator

                 Hassell-Thompson.

                            SENATOR HASSELL-THOMPSON:    Yes,

                 Mr. President, if the Senator will continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    THE

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:    That's

                 the heart of my question, Senator.  If you

                 will, through you, Mr. President, we are not

                 appropriating.  This is a new initiative.  My

                 question was, are we trying to capture a

                 window of opportunity, which is the reason

                 that you have put a new proposal into an

                 emergency language bill?





                                                          4055



                            SENATOR STAFFORD:    My answer is

                 yes.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you.  Thank you, Senator.

                            Through you, Mr. President, if the

                 Senator will continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you.  Senator, do you or your staff have an

                 analysis of the fiscal benefits to counties as

                 it pertains to the Medicaid payment for

                 inmates?  And if so, what is this dollar

                 amount?  What do you assess?

                            SENATOR STAFFORD:    We don't have

                 a county breakdown, but I'm sure we can get

                 that material if you'd like it.  The state

                 number is $15 million.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you, Senator.

                            Mr. President, if the Senator would

                 yield to just another question on the Child





                                                          4056



                 Health Plus.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:    My

                 understanding is that last year the Governor

                 vetoed this bill.  Thank you, Senator.

                            Through you, Mr. President.  Last

                 year when the bill was proposed, the Governor

                 vetoed a provision for the inclusion of

                 emergency services for the Child Health Plus.

                 Are we supporting that ambulance service

                 amendment in this bill?

                            SENATOR STAFFORD:    Ask the

                 question again, please.  I can't hear.

                            SENATOR HASSELL-THOMPSON:    Okay,

                 Senator.  Last year, when we proposed the

                 continuing of the Child Health Plus program,

                 there was a provision that was in that bill

                 that asked for ambulance services to be

                 included.  When the Governor vetoed that bill,

                 it was not -- I'm asking, is that provision

                 included in this year's proposal?





                                                          4057



                            SENATOR STAFFORD:    Anything that

                 was vetoed wouldn't be in here.  Because if

                 you analyze it, as I've said now for the last

                 two days, this does not make new policy, this

                 just continues government from last year's

                 budget.  I said that a number of times.

                            ACTING PRESIDENT KUHL:    Senator

                 Hassell-Thompson.

                            SENATOR HASSELL-THOMPSON:    Mr.

                 President, if the Senator will continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you.  Senator, but isn't that a contradiction

                 to what you just said in terms of the new

                 initiative?  Even though it is a window of

                 opportunity, it's still a new initiative.

                            SENATOR STAFFORD:    Now, again,

                 make sure that my patience isn't taxed here.

                            SENATOR HASSELL-THOMPSON:    Okay.

                            SENATOR STAFFORD:    So let's -- I





                                                          4058



                 see some eyes coming up here.  That's good.

                 So we're all communicating.

                            The initiative is a program to

                 maximize the federal government's payments to

                 the state.  That has nothing to do with last

                 year's budget or a policy.  That's a program

                 that it's already in effect.  It's already

                 being done.  It's being continued.

                            ACTING PRESIDENT KUHL:    Senator.

                            SENATOR HASSELL-THOMPSON:    Mr.

                 President, through you, if the Senator will

                 continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield to a

                 question from Senator Hassell-Thompson?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR HASSELL-THOMPSON:    It is

                 not my intent to try yours or anyone else's

                 patience.  But it is my intent, Senator, if

                 you will, I'm just trying to get some

                 information.  And I'm not trying to be

                 contradictory, but I'm trying to understand.

                            I asked the question about the





                                                          4059



                 ambulance and -- only because it was a part of

                 last year's proposal.  If the answer to that

                 is no, that's one thing.  But when we talk

                 about the windows of opportunity that are

                 available to maximize federal reimbursement,

                 this is also a federal reimbursement.  And

                 that's the only reason I'm asking the question

                 the way I am.

                            SENATOR STAFFORD:    That's the

                 reason, Mr. President, I'm answering the way I

                 am.

                            SENATOR HASSELL-THOMPSON:    Okay.

                 If the Senator will yield for one more

                 question.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to one more question?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR HASSELL-THOMPSON:

                 Through you, Mr. President, there have been

                 changes in the federal regs that allow us to

                 bill for Medicaid and some other Medicaid

                 initiatives which help us to maximize.  Is it

                 our intent -- I'll ask the question this way.





                                                          4060



                 It is our intent with this Child Health Plus

                 to do that, and could we not extend it further

                 than June 30th of this year?

                            SENATOR STAFFORD:    Of course, we

                 have the opportunity, Mr. President, to pass

                 really whatever legislation we desire to.

                 Hopefully it's good legislation.  As far as

                 this particular provision, this is what was

                 sent up, this is what is there to continue the

                 program for three months.

                            And as a matter of fact, I now go,

                 to try to answer completely here, to that

                 house on the third floor on the north side,

                 and that house did not want to go more than

                 three months.  We were willing to go more than

                 three months, and the Governor was willing to

                 go more than three months.

                            SENATOR HASSELL-THOMPSON:    You

                 say the Governor -- you said we were willing

                 to go longer?

                            SENATOR STAFFORD:    Yes.

                            SENATOR HASSELL-THOMPSON:    But

                 you did not get that agreement from our

                 northern neighbors on the third floor?

                            SENATOR STAFFORD:    Right.





                                                          4061



                            SENATOR HASSELL-THOMPSON:    Thank

                 you, Mr. President.  Thank you, Senator.

                            ACTING PRESIDENT KUHL:    Senator

                 Paterson, why do you rise, sir?

                            SENATOR PATERSON:    Mr. President,

                 if Senator Stafford would yield for a

                 follow-up question.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford?

                            SENATOR STAFFORD:    I will yield

                 to Senator Paterson for one follow-up

                 question.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields to one question.

                            SENATOR PATERSON:    Senator, I'm

                 just trying to get an idea of what the policy

                 is that's guiding us in this particular

                 situation.  For instance, it's been he

                 suggested that we raise the coverage in Child

                 Health Plus -- I was just listening to your

                 conversation with Senator Hassell-Thompson -

                 from 250 percent within the poverty line to,

                 say, 300 percent, and we're not doing it in

                 this particular extension.

                            However, what Senator





                                                          4062



                 Hassell-Thompson properly pointed out, and I

                 thought it was kind of interesting, is that we

                 did make a policy change with respect to the

                 national regulations regarding Medicaid so

                 that we are going to be, as she pointed out,

                 taking the full hundred percent refund from

                 Medicaid to cover inpatient hospitalization of

                 inmates.

                            So what I'm just -- my general

                 question to you is, what is the difference

                 between the policy that we enact and the

                 situation such as you described earlier where

                 we wouldn't go back and insist that we get the

                 ambulance coverage for Child Health Plus,

                 which was something that everybody here agreed

                 upon and was vetoed?

                            Now, I can understand -- don't get

                 me wrong, I can understand that in a

                 three-week period that we don't want to get

                 into a fight with the Governor about an issue

                 on which he's already made policy.  But I'm

                 just trying to get your idea of where's the

                 line between new policy and continuation.

                            SENATOR STAFFORD:    I think the

                 difference here is very, very clear.  One is





                                                          4063



                 working toward a program that's already being

                 done, and the other is changing policy.

                            Now, Senator Paterson I'm sure

                 understands that.

                            ACTING PRESIDENT KUHL:    Senator

                 Paterson.

                            SENATOR PATERSON:    Mr. President,

                 on the bill.

                            ACTING PRESIDENT KUHL:    Senator

                 Paterson, on the bill.

                            SENATOR PATERSON:    Well, this is

                 a language bill, and it's tied to policy.  And

                 so all I'm seeking is a little consistency.

                            What I would interpret from Senator

                 Stafford is that where a change in policy

                 vis-a-vis another government -- meaning the

                 federal government -- gives us an opportunity

                 to vest in something that we didn't have last

                 year, that we would not eschew the opportunity

                 to do that.  We wouldn't wait until we

                 actually passed the budget to enact it now.

                            And that in those situations

                 regarding specific policy changes for which we

                 have eminent control -- that being the issues

                 of Child Health Plus expansion of coverage,





                                                          4064



                 and also the ambulance services, which are

                 very important and which I think everyone in

                 this house knows that we need -- but still, I

                 guess what Senator Stafford is saying, and I

                 guess what I will adhere to at this point, is

                 that we're going to be unable to do it at this

                 particular time.  Maybe later on in the year.

                 I'm sure Senator Stafford agrees, or he'd be

                 jumping up right now to point it out to me.

                            On the bill, other than that, Mr.

                 President, just to finish a conversation

                 earlier, the balance, to me, on the issue of

                 Quick Draw is very important.  We would not

                 want to be making situations so easy for many

                 of our constituents that they take

                 opportunities that are going to inure to their

                 detriment and be playing this game where the

                 odds are hopelessly against them and they are

                 likely to be hurt from that actual process.

                            Senator Larkin did point out that

                 we require that the facilities engage in a

                 certain amount of restaurantism and that there

                 has to be a certain percentage of their profit

                 that is derived from food service before we

                 let them get allowed.  But what I would





                                                          4065



                 admonish to Senator Larkin, even though I'm

                 going to vote for the bill, is that there are

                 a lot of areas where that may appear to be the

                 case but actually is not.  And I see them to a

                 great deal in my district.

                            And the fact that Senator Padavan

                 pointed out that 30 percent of the individuals

                 who are going into these places are doing this

                 in minority neighborhoods, where sometimes the

                 desperation and squalor conditions of life

                 have caused people to feel that they have to

                 take chances that they ordinarily might not

                 take, is something that we have to take a

                 closer look at.

                            In situations where we have to

                 spend money to actually get to the point where

                 you're gambling, such as in the major casinos,

                 and a person that loses a great deal of money

                 can really do it in a recreational fashion,

                 that it's not going to affect their daily

                 intake of food or paying rent or those human

                 services that are vital, that's a little

                 different.

                            And I'm not sure where exactly that

                 line is, and I wasn't able to continue the





                                                          4066



                 questioning too much to find that out.  But I

                 will vote for it in the hope that we will

                 always continue to observe and scrutinize the

                 situation further.

                            Thank you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Schneiderman, why do you rise?

                            SENATOR SCHNEIDERMAN:    Thank you,

                 Mr. President.  Through you, if the sponsor

                 would yield for a few questions.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to a question from

                 Senator Schneiderman?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    The first

                 area that I want to ask about relates to the

                 Lower Manhattan Revitalization Plan.  I gather

                 that that is covered in Part H of the proposed

                 bill; is that correct?

                            SENATOR STAFFORD:    Once again, it

                 is a three-week extender of existing law, an

                 existing program.

                            SENATOR SCHNEIDERMAN:    Through





                                                          4067



                 you, Mr. President.  But is my understanding

                 correct, that that's covered in Part H of this

                 proposed bill?

                            SENATOR STAFFORD:    I can't hear,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Your

                 point is well-taken.

                            Can we have a little quiet in the

                 chamber, please.  We've got members and staff

                 talking.

                            SENATOR SCHNEIDERMAN:    My

                 question once again, through you, Mr.

                 President, is I gather that the Lower

                 Manhattan Revitalization Plan extender is

                 addressed in Part H of the bill before us; is

                 that correct?

                            SENATOR STAFFORD:    Well, do you

                 have the legislation there, Mr. President?

                            SENATOR SCHNEIDERMAN:    I have the

                 legislation here.

                            SENATOR STAFFORD:    Good.

                            SENATOR SCHNEIDERMAN:    The reason

                 I'm asking this question is that -

                            SENATOR STAFFORD:    Does it say H?

                            SENATOR SCHNEIDERMAN:    H.





                                                          4068



                            SENATOR STAFFORD:    Good.

                            SENATOR SCHNEIDERMAN:    Okay.  Now

                 we're getting somewhere.  Thank you.

                            Through you, Mr. President, if the

                 sponsor will continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 standard, do you continue to yield?

                            SENATOR STAFFORD:    Right.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    And the

                 reason for this question is that in reading

                 Part H, it's not clear to me that all of the

                 components of the program are included in it.

                 And I just wanted to make sure that my

                 understanding of what precisely is being

                 extended is correct.

                            Is the Lower Manhattan Energy

                 Program extended for three weeks?

                            SENATOR STAFFORD:    The answer is

                 yes, Mr. President.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President, the Lower

                 Manhattan Residential Conversion Program -

                 which, again, I just don't see any reference





                                                          4069



                 to, and I want to make sure that is being

                 extended as well.

                            SENATOR STAFFORD:    The complete

                 program, Mr. President, is being extended.

                            SENATOR SCHNEIDERMAN:    If the

                 sponsor will continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 sponsor continues to yield.

                            SENATOR SCHNEIDERMAN:    And once

                 again, I gather this is a three-week extender.

                 This is a program that has many, many private

                 contracts that arise because of the

                 commitments made through this program.  And

                 stability, as I'm sure the sponsor knows, is

                 often as important or more important than tax

                 reductions.

                            What possible reason is there not

                 to extend this program for a longer period so

                 that commercial uncertainty does not undermine

                 the financial benefits it seeks to provide?

                            SENATOR STAFFORD:    Well, once

                 again, Mr. President, we get back to





                                                          4070



                 responsibilities here at this moment.  We all

                 wish that we could get the cooperation on the

                 north side.  But it's necessary to pass this

                 for three weeks.  And as a matter of fact, I'm

                 advised that for this particular provision, it

                 was only asked that we extend it for three

                 weeks.

                            SENATOR SCHNEIDERMAN:    Through

                 you, Mr. President, I'm not sure I understand.

                 It was only asked by who?  North side, south

                 side, east side, west side?

                            SENATOR STAFFORD:    By the

                 greatest city in the world with a population

                 over 5 million.

                            ACTING PRESIDENT KUHL:    Senator

                 Schneiderman.

                            SENATOR SCHNEIDERMAN:    I

                 appreciate the fact that that excludes

                 Plattsburgh, Fort Orange.

                            Let me move to another area very

                 briefly.  Through you, Mr. President, if the

                 sponsor will yield for one more question.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, do you yield to one more question?

                            SENATOR STAFFORD:    Yes.





                                                          4071



                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    This is a

                 question that actually I probably will just

                 talk on the bill and then invite your

                 comments.

                            You mentioned earlier that this

                 legislation does not change policy, it just

                 continues government.  Once again, as I was

                 attempting to do yesterday with another piece

                 of legislation, I am concerned that there's a

                 very important area of government funding that

                 is not being continued.  And it raises a

                 concern that in fact a policy change is taking

                 place.  Can you explain why funding for

                 Superfund remediation, the funds for which

                 have expired as of the end of this month, is

                 not included in this extender?

                            SENATOR STAFFORD:    I think once

                 again, Senator, you know the answer.  In fact,

                 I know you know the answer, because I have a

                 lot of confidence in your -- anyway, I'll

                 continue.

                            The answer is, of course,

                 additional funds will be required for the





                                                          4072



                 Superfund in the next budget, and this will be

                 of course included in the next budget.

                            SENATOR SCHNEIDERMAN:    Thank you,

                 Mr. President.  On the bill.

                            ACTING PRESIDENT KUHL:    Senator

                 Schneiderman, on the bill.

                            SENATOR SCHNEIDERMAN:    I

                 appreciate the sponsor's answers.  However, I

                 do not think that in this area he is being

                 properly advised.  My understanding -- and

                 we've had recent contact with the Department

                 of Environmental Conservation on this issue -

                 is that as of March 31st, at state-funded

                 sites, we are not going to have sufficient

                 funds to continue remediation proceedings.

                            We have 766 sites in the State of

                 New York where no remediation has taken place.

                 146 of these are Class 2 sites, meaning that

                 they're very, very serious.  Cleanup is in

                 various stages of progress at a lot of these

                 sites.  There are investigations underway.  In

                 some cases, investigations have been completed

                 and records of decision, or RODs, have been

                 issued.

                            There is not enough money, and I





                                                          4073



                 urge that before we do another extender, the

                 appropriate distinguished and skilled

                 personnel in Senate Finance get in touch with

                 DEC and make sure that we do extend the funds

                 necessary for this.

                            One aspect of this that's

                 tremendously important is when you have a

                 polluter on the hook for a Superfund site, the

                 State has leverage and negotiation by saying

                 we have the funds to come in and we'll do the

                 cleanup, and then we'll charge you.  And this

                 charge is always very high.  We're losing that

                 leverage.  April 1st, we don't have that

                 leverage anymore.

                            And this is a tremendous issue.  It

                 has been set as one of the highest priorities,

                 if not the highest priority, by the

                 environmental groups for this year's

                 legislation session.  And I would urge a

                 careful examination of whether or not it's not

                 necessary in this extender.  And sadly, I'm

                 afraid we have to face the fact that this may

                 not be the last extender this year.  And that

                 that's something I hope we will be able to

                 address.





                                                          4074



                            Thank you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Bruno, why do you rise?

                            SENATOR BRUNO:    Mr. President,

                 how long have we been debating this particular

                 calendar?

                            ACTING PRESIDENT KUHL:    Debate on

                 this bill, I'm informed by the desk, started

                 at 10:08.  So it's about two hours and one

                 minute ago.

                            SENATOR BRUNO:    Then, Mr.

                 President, according to Rule IX, Section 3-D,

                 I would move that we close debate and move the

                 question.

                            ACTING PRESIDENT KUHL:    All those

                 in favor signify by saying aye.

                            SENATOR CONNOR:    Party vote in

                 the negative.

                            SENATOR BRUNO:    Party vote in the

                 affirmative.

                            ACTING PRESIDENT KUHL:    The

                 Secretary will call the roll, record the

                 party-line votes.  Announce the results.

                            (The Secretary called the roll.)

                            THE SECRETARY:    Ayes, 21.  Nays,





                                                          4075



                 34.  Party vote.

                            ACTING PRESIDENT KUHL:    The

                 debate is closed.

                            The Secretary will read the last

                 section.

                            THE SECRETARY:    Section 3.  This

                 act shall take effect immediately.

                            ACTING PRESIDENT KUHL:    Call the

                 roll.

                            (The Secretary called the roll.)

                            ACTING PRESIDENT KUHL:    Senator

                 Connor, to explain his vote.

                            SENATOR CONNOR:    Thank you, Mr.

                 President.

                            I will be voting in favor of this

                 because, as I said before, there are some

                 ameliorative provisions in here.  I wouldn't

                 want to see the Loft Law expire as it did a

                 few years ago and leave loft tenants

                 unprotected for months.  As my colleagues who

                 were here then may recall, we ended that

                 session that year sometime in warm weather, I

                 don't remember if it was June or July, with

                 the loft tenants sitting up there, having been

                 at risk of being evicted for several months,





                                                          4076



                 and the final bill we did, late that evening

                 or I think it was a Saturday afternoon, in

                 fact, was the loft renewal.

                            So -- but my question is this.

                 What's the Loft Law got to do with the budget?

                 Why couldn't we have been dealing with the

                 Loft Law for the last three months that we've

                 been up here so we could do a permanent

                 extender or a three-year or four-year,

                 whatever it is?

                            I am also glad that the Lower

                 Manhattan extension is happening.  It's only

                 three weeks.  I hope we have the real thing.

                 I was the sponsor of the Lower Manhattan

                 Commercial Revitalization program in this

                 house.  My colleague and the Assemblyman for

                 Lower Manhattan, the Speaker, in the other

                 house, was the sponsor there.  I hope we could

                 take up that and do the amendments in the

                 future.

                            For those reasons, Mr. President, I

                 vote aye.

                            ACTING PRESIDENT KUHL:    Senator

                 Connor will be recorded in the affirmative on

                 the bill.





                                                          4077



                            Senator Padavan, did you wish to be

                 recorded in the negative on this bill?

                            SENATOR PADAVAN:    Yes.

                            ACTING PRESIDENT KUHL:    Okay.

                            Senator Morahan?

                            Senator Paterson, to explain his

                 vote.

                            SENATOR PATERSON:    Thank you, Mr.

                 President.  Being that I represent an area of

                 Manhattan and am very familiar with the

                 problems of loft tenants, I certainly

                 appreciate the fact that we are going to grant

                 the extension.  But I agreed with what Senator

                 Onorato said, that since it isn't going to

                 entail any financial encumbrance to the state,

                 that we might have extended it a little bit

                 more.

                            Senator Connor's memory is the same

                 as mine.  It was a Saturday afternoon.

                 Actually, it was July 13, 1996, when we

                 actually passed the budget that particular

                 year, and we had to come back on the 10th just

                 to extend the life of the loft tenants' rights

                 a few days until we could actually pass the

                 budget.





                                                          4078



                            So knowing that we've gone down a

                 road before, as Senator Connor ably pointed

                 out, it really would be a good time to address

                 it right now.

                            The other issue about the language

                 of this bill, the specifics between what was

                 actually policy and what is actually

                 continuation of what goes on in our previous

                 budgets of this sort, wasn't entirely clear to

                 me.  But I'm relieved enough that I can cast a

                 vote in the affirmative.

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, to explain her vote.

                            SENATOR OPPENHEIMER:    If I may,

                 Mr. President.

                            There have been about 20 studies

                 done now concerning adolescent gambling.  And

                 we know that there has been a large increase

                 in the number of young people starting at age

                 12 who are now participating in the Quick Draw

                 gambling.  We also know from this study, from

                 these studies -- as I said, about twenty

                 different studies -- that the majority of

                 12-year-olds now say that they have already

                 gambled.





                                                          4079



                            My concern is now and always is and

                 will be with the children.  And to think that

                 because this is encompassed in a single bill I

                 am voting for this is distressing to me -

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, in the affirmative.

                            SENATOR OPPENHEIMER:    -- because

                 it's the wrong way to go.  But I'll be voting

                 yes on the bill, because there are too many

                 provisions that cannot be permitted to elapse.

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, in the affirmative.  Senator

                 Stachowski, to explain his vote.

                            SENATOR STACHOWSKI:    Mr.

                 President, I rise to explain my vote.  There's

                 obviously some extenders here.  It's a

                 cut-and-dried situation.  And I think it's

                 important to note that we would lose millions

                 of dollars if we didn't extend these things,

                 particularly in jury sequestration we would

                 lose money.  And I know that the Loft Law is

                 very important to the people that live there.

                 And the Armory piece would lose money.  Just

                 about every piece would lose money if we

                 didn't extend it.





                                                          4080



                            And Quick Draw obviously would lose

                 money.  But in the area of Quick Draw, you

                 would think that since we only make 25 percent

                 of the revenue for education, and education is

                 the reason we supposedly have it, and it

                 raises $470 million to $500 million a year,

                 somebody else is making a lot more money than

                 New York State and the Education Department.

                 And the sad part is that it's going out of

                 state, and not only out of state, but out of

                 the country, because that company is not

                 even -- it's a British company.  So it's kind

                 of interesting that we would be helping them

                 out so much.

                            If we're going to do gambling, we

                 might as well be honest about it and do a

                 casino gambling legislation piece, do a

                 revenue stream out of that legislation that

                 would go to education and make considerably

                 more money for the state.  And at the same

                 time, you could have a stream of money that

                 would at least help support work with problem

                 gamblers that we're developing through all

                 these various revenue sources that we're

                 finding to support education.





                                                          4081



                            I think it would be much more up

                 front, it would be a better way to do it.  I'm

                 sure that it would be just as hard to pass as

                 this, but I'm sure you could find some big

                 bill to stick it in.  And maybe we could get

                 casino gaming going and at least give the

                 people an opportunity to vote for it.  But if

                 we were going do that, do a revenue stream for

                 education and problem gambling, it would make

                 a lot more sense than doing this.  Obviously

                 the rules are twisted.  People are supposed to

                 watch so kids don't use it.  Everybody's been

                 in a facility that has it where the father is

                 sitting with his son or his daughter and

                 letting her pick out the numbers she wants to

                 play, and they're watching the board.  And

                 that's technically an illegal betting, but

                 nobody enforces it.

                            And there's other places that are

                 supposed to have a certain amount of food

                 revenue, and they don't do that either, and

                 nobody goes and enforces that either, unless

                 somebody happens to pick that place out.  Then

                 Schenectady will send somebody down, they'll

                 take that place out.  And they might be doing





                                                          4082



                 all the rules, but for some reason they had a

                 reason to take them out.

                            So I just wanted to throw those few

                 comments in about Quick Draw, since I didn't

                 get an opportunity to speak earlier.  The fact

                 is, we need to do this extender.  The various

                 pieces are too important.  The amount of money

                 lost would be too great.  Last time I guess we

                 didn't extend Quick Draw because there was a

                 commitment to cover the money.  But this time

                 the houses would have to make up the money.

                 They don't want to do $3 million a week, so

                 we're doing an extender.  Hopefully by the

                 time this extender is over we'll at least be a

                 little bit forward on doing the budget, and

                 not just another extender.

                            I vote yes.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski, you're voting yes?

                            SENATOR STACHOWSKI:    Yes.

                            ACTING PRESIDENT KUHL:    Okay.

                 Senator Stachowski will be recorded in the

                 affirmative.

                            Senator Santiago, to explain her

                 vote.





                                                          4083



                            SENATOR SANTIAGO:    Thank you.

                 I'd like to address -- thank the sponsor for

                 the Loft Law.  He forgot Brooklyn.  I think

                 that people in Manhattan are going to be

                 covered, I think through the 30th.  And

                 hopefully at some point they will have a

                 permanent residence protection, is the word

                 I'm looking for.

                            But at this point I'd like to

                 remind everyone that Brooklyn, in the section

                 that I represent, there are approximately 55

                 buildings that are about 2,000-plus people

                 who, as we speak, are not covered under this

                 extender.  I will support this legislation,

                 but I do with the understanding that there

                 will be legislation before this house that I

                 hope that everyone will take into

                 consideration in the same way that we're

                 taking this one into consideration, and to

                 vote in the affirmative when Brooklyn is

                 covered as well.

                            ACTING PRESIDENT KUHL:    Senator

                 Santiago will be recorded in the affirmative.

                            Senator Smith, to explain her vote.

                            SENATOR ADA SMITH:    Thank you,





                                                          4084



                 Mr. President.  I have a reluctance to vote

                 for this bill, based on the havoc that Quick

                 Draw has wrought in our communities,

                 especially communities that are poor and of

                 color.  However, based on the need for the

                 extenders for the -- that we've granted for

                 the Loft Law -- and I too have the same

                 concerns as my colleague from Brooklyn,

                 Senator Santiago, that we will work something

                 out that will benefit those people who are not

                 presently covered so that they will be able to

                 remain in their homes that they have -- they

                 may have taken these buildings and made them

                 into something habitable, and they should have

                 the right to remain there.  Because of this, I

                 too will be voting in the affirmative.

                            ACTING PRESIDENT KUHL:    Senator

                 Smith in the affirmative.

                            Senator Stavisky, to explain her

                 vote.

                            SENATOR STAVISKY:    To explain my

                 vote, Mr. President.

                            One of the most frustrating

                 questions that I'm asked at community forums

                 is education.  I thought lottery money was





                                                          4085



                 going for education.  Now, as Senator

                 Stachowski indicated, 25 percent of the Quick

                 Draw money is allocated for education,

                 approximately $120 million or so.  It seems to

                 me that this is the wrong way to raise scarce

                 education dollars.  And instead, as I said

                 yesterday, we should be implementing Judge

                 DeGrasse's decision instead.

                            I am very much opposed to lottery

                 money, to the Quick Draw and to other forms of

                 quick fixes.  However, there are so many good

                 parts that are necessary -- the child health

                 insurance, and all of the other aspects, that,

                 Mr. President, I wish to be recorded in the

                 affirmative.

                            ACTING PRESIDENT KUHL:    Senator

                 Stavisky in the affirmative.

                            Senator Dollinger, to explain his

                 vote.

                            SENATOR DOLLINGER:    Thank you,

                 Mr. President.

                            There's an old line, I guess it

                 comes from business -- we often talk about

                 running this house as a business -- and it's

                 very simple:  Bad process, bad result.  This





                                                          4086



                 is a bad result.

                            This is an ugly bill.  This is a

                 bill that is born of a type of politics based

                 on hostage taking.  How do we get a bill

                 through?  How do we get all the affirmative

                 votes?  We take the Loft Law hostage.  How do

                 we get Quick Draw through the State Senate

                 when we know that it would never pass, that

                 the majority of members in this house would

                 vote against it?  We take it hostage.  We take

                 everything hostage.  We throw it into this

                 big, ugly bill and then ask people to support

                 it.

                            Mr. President, I'm going to vote

                 no.  I think that it's time to draw the line

                 on Quick Draw.  I'm fascinated, Senator

                 Padavan, you were absolutely correct when you

                 started off talking about Quick Draw five

                 years ago.  The first people to get addicted

                 were problem gamblers in our taverns.  The

                 second group of people to get addicted were

                 tavern and restaurant owners who now say to

                 us, We need that revenue, we need the fix.

                            And you know what the third group

                 is, Senator Padavan?  It's the 61 members of





                                                          4087



                 this house who are now saying, We need that

                 $125 million, we're fixed, we need our fix of

                 Quick Draw.  I would suggest, Senator Padavan,

                 with clairvoyance you predicted this a long

                 time ago.  The continuing taint of addiction

                 to Quick Draw gambling has gone near and far

                 throughout this state, and it is now present

                 in this chamber.  I think that's a disgrace to

                 this state.

                            I think that I have to vote against

                 the tyranny of hostage-taking, the tyranny of

                 bad result, the tyranny of an ugly, ugly

                 budget process that today, by voting for this

                 bill, we only make the ugliness acceptable.  I

                 am unwilling to do that, Mr. President.  I

                 vote no.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger will be recorded in the negative.

                            Senator Schneiderman, to explain

                 his vote.

                            SENATOR SCHNEIDERMAN:    Thank you,

                 Mr. President.

                            I join Senator Dollinger and others

                 in their sentiments about Quick Draw.  I

                 honestly do not understand how this game,





                                                          4088



                 which is identical to games that are played in

                 Las Vegas casinos, doesn't violate New York

                 State's constitutional limitations on

                 gambling.  I guess it was litigated.  I'm not

                 sure how this possibly squeaked through.

                            There are other things in this bill

                 that I think are essential for us to extend,

                 so I'm going to vote yes while holding my

                 nose.  However, I do think that the political

                 nature of this bill is clearly demonstrated by

                 the differences in the dates for the

                 extenders.  The notion that the Lower

                 Manhattan Commercial Revitalization Program

                 should only be extended until April 22nd, the

                 Loft Law until June 30th, the MTA surcharge

                 for four years -- this is a political

                 document.  It is not simply an extension of

                 essential financing for the government of the

                 State of New York.

                            And I think it is a shame that we

                 are not more distressed in this house at being

                 here approaching the deadline, with so little

                 work being done on the budget, and everyone

                 just sort of milling around casually.  This is

                 not what we should be doing here.  This sort





                                                          4089



                 of delay costs tens of millions of dollars to

                 the people of the State of New York.

                            And we could at least show a little

                 bit of concern, a little bit of shame at

                 having failed again.  Finger pointing at the

                 other house or at the Governor I don't think

                 really is what we should be about.  We should

                 be trying to fix this process.  It's a flawed

                 process.  I will vote yes, but I hope we can

                 do something soon to fix the overall budget

                 process.

                            ACTING PRESIDENT KUHL:    Senator

                 Schneiderman will be recorded in the

                 affirmative.

                            Senator Montgomery, to explain her

                 vote.

                            SENATOR MONTGOMERY:    Yes, Mr.

                 President, briefly.  I'm just quite disturbed

                 and totally in agreement with Senator Padavan

                 on what he I think appropriately refers to as

                 video crack.  This is something that is not

                 good.  Certainly the state should not be

                 sponsoring it and supporting it and using it

                 as a means of revenue.

                            However, the parts of the budget -





                                                          4090



                 I certainly would not want to see us lose any

                 of the Child Health Plus benefits that are so

                 important to children in our state, and

                 families.  And some of the other important

                 aspects.  I have loft dwellers in my district;

                 I certainly would not want them to lose the

                 protection.  And hopefully we by June can come

                 to an agreement on the Loft Law that certainly

                 does cover Brooklyn, as my colleague Senator

                 Santiago has indicated.

                            So for those reasons, despite the

                 fact that I feel that I'm swallowing this very

                 bitter pill, this video crack program, I'm

                 going to vote yes on this budget.

                            ACTING PRESIDENT KUHL:    Senator

                 Montgomery in the affirmative.

                            Senator Onorato, to explain his

                 vote.

                            SENATOR ONORATO:    Mr. President,

                 to explain my vote.

                            Mr. President, I too join with many

                 of my colleagues about the misgivings of

                 attaching nonbudgetary items to a budget bill.

                 But there are so many good things in here that

                 we know that we have a responsibility to, to





                                                          4091



                 make sure that the funding goes on for many of

                 the good aspects on here.

                            I hope that by June 30th, when the

                 Quick Draw is again presented, that it will be

                 presented on an individual basis so that we

                 will have an opportunity to vote against it.

                 Because I certainly don't approve of the Quick

                 Draw aspect that's in this budgetary extender.

                            And I hope that they also put on

                 the floor the loft bill on its own particular

                 merits, and not for a three-month extender.

                 Because while it's not a budgetary producer

                 for the state, it is certainly a budgetary

                 issue for those people who are living in those

                 loft buildings who are threatened with the

                 loss of their homes.  That would be a

                 catastrophe, and it would have a tremendous

                 budgetary -- minus budgetary effect on their

                 lives.

                            I do vote reluctantly yes on the

                 budget.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato in the affirmative.

                            Senator Hevesi, to explain his

                 vote.





                                                          4092



                            SENATOR HEVESI:    Thank you, Mr.

                 President.

                            I too rise with great reservations

                 about the legislation that's before us.  And I

                 think all of my colleagues here, and I truly

                 believe some of my colleagues on the other

                 side of the aisle are really distressed about

                 this process and the way it goes.  Again,

                 we're in the situation where we're forced to

                 vote on something that should happen.  We

                 should do these extenders not for political

                 reasons, just because it's the right thing to

                 do to keep the government functioning.  I even

                 suggested last night that if we outlawed these

                 emergency appropriation bills, the political

                 incentive would be built into a system whereby

                 we'd never have late budgets.

                            But having said that, the fact that

                 we don't have that system in place, we're now

                 in a situation where we've got to do these

                 emergency extenders where -- which are a big

                 mishmash of different policy objectives with

                 different things thrown in there.  And has

                 been articulated by a number of my colleagues,

                 there are things that have been put in here





                                                          4093



                 that would never pass this house were they to

                 stand alone as a separate piece of

                 legislation.  And that is just disingenuous.

                 And I guess we shouldn't be surprised that

                 that being disingenuous is in any way

                 inconsistent with the disingenuous process

                 that we are currently engaged in.  It actually

                 is perfectly consistent.

                            So having said all that, I'm

                 incredibly saddened and frustrated by this

                 process, though not surprised by it one bit,

                 in light of the need to carry on with the

                 policies and the payment for state employees

                 and the language that's built in here.  I'm

                 going to vote for it, but again over the

                 strongest possible objections which I have and

                 many of my colleagues have to this horrible,

                 horrible process.

                            I vote aye.

                            ACTING PRESIDENT KUHL:    Senator

                 Hevesi in the affirmative.

                            Senator Duane, to explain his vote.

                            SENATOR DUANE:    Thank you, Mr.

                 President.  Earlier today a Senator referred

                 to a woman whose husband doesn't bring home





                                                          4094



                 enough money and that's why she needs to work

                 and work in a place where they have Quick

                 Draw.  But I think maybe one of the reasons

                 that her husband doesn't have enough money is

                 he might be throwing it all away on Quick

                 Draw.  Because in fact that's what happens day

                 in and day out across the state, that people's

                 hard-earned money just get gambled away in

                 Quick Draw.  It's one of the biggest shames of

                 the State of New York that we allow that to go

                 on.

                            I can't believe that we're doing

                 this bill today right before a real budget for

                 2002 should get done.  I think it's a disgrace

                 that we don't have our act together in this

                 house, and I think it's horrendous that the

                 Assembly went home today without a budget in

                 place.

                            There was an agreement reached on

                 many items that are in this extender budget.

                 Well, if we can agree on that, then why can't

                 we agree on a real budget?  I've said this

                 before.  Many of us here come from bodies -

                 city councils, county legislatures -- where

                 the budget is done on time and balanced.





                                                          4095



                 Maybe we should get those three guys out of

                 that room and let those of us who have

                 experience balancing budgets go in and make a

                 budget.  I know that there's several people

                 here who would volunteer to do that.  I know

                 that I can do it, and I have confidence that

                 they can do it, but I've run out of confidence

                 that those three guys are going to be able to

                 do it.  They certainly aren't going to get it

                 done on time.  And that is just wrong.  That's

                 just wrong.

                            We can put blame on the other side,

                 and certainly they deserve it.  But really we

                 have to be accountable to ourselves for our

                 part in this.  And we certainly haven't done

                 enough, because we don't have a budget on

                 time.

                            As I say, there are so many items

                 that we're agreed on in this extender, why

                 couldn't we have spent the time agreeing on

                 what the 2002 budget would look like?  I think

                 it's a complete outrage that loft dwellers are

                 held hostage in this way.  It is really wrong.

                 We don't hold people hostage in their homes in

                 any other circumstances in the State of New





                                                          4096



                 York like this.  It is really wrong.  It's

                 just plain wrong.

                            I represent probably more loft

                 tenants than anybody in this body.  I believe

                 they've really enlivened and rejuvenated many

                 parts of the City of New York.  They certainly

                 have helped make New York City a destination

                 which brings in lots and lots of good tourism

                 and tax dollars.  That we should be doing this

                 to them is just plain wrong.

                            I know that those -

                            ACTING PRESIDENT KUHL:    Senator

                 Duane, how do you vote?

                            SENATOR DUANE:    -- people will

                 understand why -

                            ACTING PRESIDENT KUHL:    Senator

                 Duane -

                            SENATOR DUANE:    -- I'm casting

                 this vote -

                            ACTING PRESIDENT KUHL:    Senator

                 Duane -

                            SENATOR DUANE:    I'm going to vote

                 in the negative on this.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane will be recorded in the negative.





                                                          4097



                            Senator Gentile, to explain his

                 vote.

                            SENATOR GENTILE:    Thank you.  To

                 explain my vote, Mr. President.

                            Before I came to this chamber, I

                 would take a look at votes of representatives

                 in my area and would be astonished, be

                 astonished to know they voted yes or voted no

                 on particular pieces of legislation.  And

                 certainly that also became an issue when I

                 became a candidate.

                            But, you know, I have to say,

                 having served in this chamber now for -- this

                 being my fifth year, I've come to understand

                 why some of those votes were yes or why some

                 of those votes were no, given the procedure

                 that we follow in this house where items are

                 lumped together in a kitchen-soup-type budget

                 bill and we're asked to vote yes or no.  And

                 as Senator Connor so aptly described before,

                 we don't have the ability to present an

                 amendment to delete a portion of a

                 kitchen-soup-type bill, and therefore we

                 either have to vote yes on the whole bill or

                 no on the whole bill.





                                                          4098



                            And I look at my constituents and

                 consider that if I voted no on a bill of this

                 type, it could very well be said or an

                 argument could be made that I voted no for

                 Child Health Plus or I voted no on the Loft

                 Law, I voted no on some other very good things

                 that are in this extender.  Unfortunately,

                 there are some very bad things in this

                 extender, as has been so aptly described by my

                 colleagues here in this conference.  Yet I'm

                 forced, as many others are forced here, to

                 vote yes because of the good things in this

                 bill.  The bad thing is the process by which

                 we put a kitchen-sink-type bill together and

                 say vote yes or no.  And that is -

                            ACTING PRESIDENT KUHL:    Senator

                 Gentile -

                            SENATOR GENTILE:    -- the process

                 that I object to.

                            ACTING PRESIDENT KUHL:    How do

                 you vote?

                            SENATOR GENTILE:    I vote aye,

                 reluctantly.

                            ACTING PRESIDENT KUHL:    Senator

                 Gentile will be recorded in the affirmative.





                                                          4099



                            Senator Sampson, to explain his

                 vote.

                            SENATOR SAMPSON:    Yes, Mr.

                 President.  I just want to explain my vote.

                            I just wanted to make note for the

                 record that I am against, as Senator

                 Montgomery said, video crack.  But most of

                 all, I'm kind of dismayed because of the point

                 that the Loft Law does not protect the loft

                 tenants in Brooklyn.  My clients who are

                 landlords in Manhattan, they're kind of

                 disappointed that it wouldn't be extended to

                 them, but my clients in Brooklyn who are

                 landlords who own lofts are very excited about

                 this extension.  But, you know, I have to

                 advise them to be realistic in this situation.

                            I will vote for this bill.  But

                 once again, I do not tolerate instances where

                 we have to pit one section of the borough

                 against another with respect to Brooklyn and

                 New York.  But most of all, when it comes to

                 Quick Draw and video crack, as we may call it,

                 I'm totally against that.  But maybe we should

                 take bets on whether or not we'll pass a

                 budget by April 1st.  I wonder what the odds





                                                          4100



                 would be on that.

                            Thank you very much, Mr. President.

                            ACTING PRESIDENT KUHL:    How do

                 you vote, Senator Sampson?

                            SENATOR SAMPSON:    I vote yes.

                            ACTING PRESIDENT KUHL:    Senator

                 Sampson will be recorded in the affirmative.

                            Senator Brown, to explain your

                 vote?

                            SENATOR BROWN:    Yes, Mr.

                 President, to explain my vote.

                            This budget process, as I said

                 yesterday, is a bad one.  I'm going to

                 continue to say that.  Every chance I get, I'm

                 going to say that to my constituents.  I'm

                 going to let them know how bad this process

                 is.

                            Like Senators Padavan, Connor, and

                 Dollinger, one of the things that I lament in

                 this extender is Quick Draw.  I don't think it

                 works for people, I think it hurts poor people

                 in our state.  When I look at the fact that

                 supposedly it's in there for economic

                 development purposes, as was mentioned on this

                 floor, it doesn't seem to be developing some





                                                          4101



                 of the more distressed areas of our state.

                            If I could, I would propose an

                 amendment to this bill.  But I can't.  The

                 kind of amendment that I would propose would

                 be to change the formula for how the money on

                 Quick Draw is paid out.  I'd like to see money

                 go for business development and job creation

                 in urban areas and other distressed

                 communities as well as money going to programs

                 to help problem gamblers.  So if we must have

                 Quick Draw, let's use the money more wisely

                 than we use it presently.

                            I probably will vote for this bill

                 even though I don't want to, because, as has

                 been said by colleagues, there are good and

                 needed things in this bill.  One thing that I

                 would hate to see not continue is Child Health

                 Plus insurance for poor children and families

                 in this community.

                            So with great reservation and with

                 great trepidation over this process, I will be

                 voting in the affirmative, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Brown, in the affirmative.

                            Senator Bruno, to explain his vote.





                                                          4102



                            SENATOR BRUNO:    I rise because

                 I'm listening to others explain their vote,

                 and I've been listening for two hours plus to

                 all of the discussion.  I want to, Mr.

                 President, again, while I vote in the

                 affirmative on this, just remind the members

                 here that what we're doing is an alternative

                 to a budget.  To keep the state going forward,

                 which is our job.  To keep government

                 functioning.

                            We have no alternative before us,

                 Mr. President, because the Speaker and the

                 leadership in the Assembly, your colleagues,

                 refuse to deal in reality.  We are prepared to

                 debate a budget in public this afternoon,

                 tomorrow, through the weekend, in public.  We

                 have a procedure in place.  But we don't have

                 that option.  The Speaker and the leadership

                 and the Majority there in the Assembly are not

                 prepared to get engaged.  Why?  We're the

                 Legislature, which is our responsibility,

                 because the Governor will not guarantee a

                 veto-proof budget if we send him one between

                 the two houses.

                            Now, I have shared with the





                                                          4103



                 Speaker, privately and publicly, the

                 Governor's not going to do that when he has an

                 $8.3 billion, over the next several years,

                 proposal over and above the Governor's budget.

                 So it's a nonstarter, it's a no-brainer, it's

                 not reality, it's not prudent, it's not

                 fiscally responsible.

                            So you ought to use your

                 considerable influence to talk to the

                 leadership there to see if we can't do a real

                 budget, start the process today or tomorrow.

                 We're prepared to do that.

                            And, you know, you're right, there

                 are things in this emergency bill we'd rather

                 not have in it.  You're right.  But that's our

                 life.  It's not all pure and holy and

                 sanctimonious.

                            I read in the paper today that for

                 the first time in a freshwater lake of any

                 size, they're going to use Eurasian milfoil.

                 Up in Lake George, in the esteemed Senator

                 Stafford's district.  It's a chemical.  And

                 they're talking about using that.  Why?

                 Because it's a better alternative to the

                 Eurasian milfoil.





                                                          4104



                            You have to make choices.  We are

                 voting for this because the large choice is

                 that we are continuing government inaction.

                 We are doing our jobs.  And that's why we are

                 supporting what is before us, because it's all

                 that we have to support, Mr. President.

                            So again, I vote aye.

                            ACTING PRESIDENT KUHL:    Senator

                 Bruno will be recorded in the affirmative.

                            Announce the results.

                            THE SECRETARY:    Those recorded in

                 the negative on Calendar Number 331 are

                 Senators Dollinger, Duane, Morahan, and

                 Padavan.  Ayes, 53.  Nays, 4.

                            ACTING PRESIDENT KUHL:    The bill

                 is passed.

                            Senator Bruno.

                            SENATOR BRUNO:    Mr. President,

                 can we at this time take up Calendar Number

                 328.

                            ACTING PRESIDENT KUHL:    The

                 Secretary will read.

                            THE SECRETARY:    Calendar Number

                 328, Assembly Budget Bill, Assembly Print

                 Number 1301A, an act making appropriations for





                                                          4105



                 the legal requirements.

                            SENATOR CONNOR:    Explanation,

                 please.

                            ACTING PRESIDENT KUHL:    Senator

                 Stafford, an explanation of Calendar Number

                 328 has been requested by Senator Connor.

                            SENATOR STAFFORD:    This -- it

                 doesn't appear that anyone wants to listen.

                            This bill is a bill that provides

                 for our debt service.  And I might add it's a

                 bill through the years that's easy to explain

                 and always -

                            SENATOR CONNOR:    Excuse me, Mr.

                 President.  Point of personal privilege.

                 There's too much noise.

                            ACTING PRESIDENT KUHL:    You're

                 absolutely right.  You're only four or five or

                 six, maybe eight feet apart, and you can't

                 hear each other.  You're absolutely right.

                 Let's take the conversations out of the

                 chamber.  Staff, have seats, please.  Members,

                 if you wish to exit, please exit.  If you wish

                 to come in, please come in.  But let's be

                 quiet.

                            SENATOR STAFFORD:    That was





                                                          4106



                 rather shocking, Mr. President, that we have

                 to -

                            ACTING PRESIDENT KUHL:    Well,

                 Senator, I apologize too, because I was having

                 my own conversation up here, some discussion

                 about the Final Four pool and getting into it.

                 I thought that was appropriate, so -- I'm just

                 kidding.  Just kidding, of course.

                            Anyway, Senator Stafford for an

                 explanation.

                            SENATOR STAFFORD:    Thank you, Mr.

                 President.  I'll start over -- that door won't

                 stay closed.  I don't know.  I guess it's

                 the -- is it a full moon?

                            (Laughter.)

                            ACTING PRESIDENT KUHL:    The next

                 full moon is April 7th, Senator Stafford.

                            SENATOR STAFFORD:    Mr. President,

                 you keep track like I do.

                            On a serious note, this bill,

                 through the years, has been easy to explain,

                 as it is this year.  And as I recall, it

                 usually passed with little or no discussion.

                            What this bill will do, it will

                 allow us to meet the existing legal





                                                          4107



                 requirements for the payment of state debt

                 service obligations during fiscal year

                 2001-2002.  The bill contains all of the

                 Executive's recommended appropriation levels

                 for those purposes.  The appropriation

                 authority totals $5.3 billion for the payment

                 of interest and principal on general

                 obligation bonds, contractual and lease

                 obligation payments of the state, and for

                 certain state entities.

                            ACTING PRESIDENT KUHL:    Senator

                 Connor.

                            SENATOR CONNOR:    Thank you, Mr.

                 President.  And thank you -- through you, Mr.

                 President, my thanks to Senator Stafford and

                 the thanks of all my colleagues here for his

                 patient explanations, not just the one we just

                 heard, but throughout the day and yesterday

                 afternoon as well.

                            Back in past years when we had

                 these budget impasses, we didn't deal with the

                 debt service budget either until the whole

                 budget was resolved.  And going back three or

                 four years ago, our former colleague Senator

                 Manny Gold, who was then the ranking Democrat





                                                          4108



                 on the Finance Committee, came upon the idea

                 that, you know, at least we ought to do the

                 debt service bill, because what choice do we

                 have?  We have to pay our debts, we have to

                 pay the interest.

                            That, in his view and our view

                 then, was what Senator Stafford just

                 described.  You take what the Executive sent

                 down for debt service, it's just a matter of

                 paying the bills that come due.

                            And to the great credit of the

                 Majority, and of Senator Bruno and Senator

                 Stafford, they took that idea, the other house

                 took it, and we've been doing that these past

                 few years.  And it usually passed unanimously

                 in a minute or two, because we all took it at

                 its word.  Nothing new in here, it's just debt

                 service.  The view we all had is we're just

                 paying the tab that came due on past bond

                 issues and borrowings.

                            And, Mr. President, that's what I

                 believed yesterday, until I did something that

                 I truly confess I have never done before on a

                 debt service bill.  I don't want to shock

                 anybody, but I read it.  And I found out that





                                                          4109



                 it's not just paying the interest on past

                 debt.  Bond issues that we all knew, some of

                 them frankly pretty shady back-door borrowings

                 under not just the last administration, but

                 this one.

                            There's more in this debt service

                 bill than just paying interest and principal.

                 There's appropriations in here, of hundreds of

                 millions of dollars for new debt.  New debt.

                 And later, Mr. President, I'll address the big

                 picture on debt.  But I learned about

                 something that I didn't know or understand:

                 COPs.  And I don't mean police officers.  I

                 mean a new device that sounds so familiar to

                 me as a resident of New York City in the early

                 '70s, a new device called certificates of

                 participation that has evolved in these past

                 years.

                            This is a page from an official

                 publication of the Division of the Budget that

                 reflects some uses of borrowing.  These

                 so-called certificates of participation are

                 borrowings that we authorize and that indeed

                 in this bill before us we will be authorizing.

                            What do you borrow for?  Oh,





                                                          4110



                 capital needs.  You borrow for capital needs.

                 That's what they always say, capital needs.

                 Once upon a time -- and I know, Mr. President,

                 that Senator Marchi well remembers this -- and

                 he was ahead of his time when he was a

                 candidate for mayor -- and I'm proud to say he

                 was then my State Senator when I first moved

                 to Brooklyn -- and was pointing out these

                 problems.  Regrettably, he wasn't taken

                 seriously.  Because when you talk about debt,

                 Mr. President, you talk about borrowings and

                 all these fiscal matters, frankly, it's over

                 the public's head in a lot of ways.  Seems

                 rather esoteric.  Hundreds of millions,

                 billions, whatever it is, debt.

                            But, Mr. President, that's where

                 our responsibility as legislators comes in, to

                 read this and understand this and to be

                 fiscally prudent on behalf of the people we

                 represent and future generations.  Because

                 runaway debt has a real impact.  The runaway

                 borrowing to pay for day-to-day expenses by

                 the City of New York in the late '60s and

                 early '70s had a real impact.  It cost our

                 schoolkids when the piper had to be paid and





                                                          4111



                 there had to be cutbacks in education.  It

                 cost New York City public schools things that

                 they've never yet restored, like athletic

                 programs in the high schools and so on.  It's

                 cost decades of our kids because of that

                 fiscal crisis.

                            We say we solved it.  Yeah, we

                 solved it, the city didn't go bankrupt.  But

                 we didn't solve it in the sense that we never

                 restored to 25 years' worth of high school

                 kids the opportunity to have real phys ed

                 classes, to have schools that weren't falling

                 down, because there was no ability to pay as

                 you go.  In fact, there were cuts.  It cost us

                 in ways -- in our parks, trees that are

                 irreplaceable died and they're not there now

                 for my kids to enjoy because we had to cut

                 back on parks budgets.  It cost the citizens

                 in crime because the police department was cut

                 back to levels way, way back that they've only

                 recovered from, frankly, since we did Safe

                 Streets legislation under Mayor Dinkins, and

                 it's been carried out by Mayor Giuliani.  And

                 we've got a handle on crime in the city.  It's

                 down.  But it cost us, that fiscal





                                                          4112



                 irresponsibility.

                            So, Mr. President, I feel obligated

                 to speak up and tell my colleagues something

                 they may not know.  Certificate of

                 participation, it's a debt -- it's in the debt

                 service, in disbursements here.  The COPs debt

                 service disbursements will rise from

                 $119 million up to $209 million, a 75 percent

                 increase over the current fiscal year.

                            And what is the Executive using

                 these certificates of participation, what's

                 this borrowing for?  Photocopiers and imaging

                 systems, PCs and printers, upgrade switches.

                 Passenger vehicles, $24 million.  We're

                 borrowing money, we're authorizing them to

                 borrow $24 million to buy passenger vehicles.

                            Okay, sounds like a car loan, Mr.

                 President.  People borrow money to buy cars.

                 But you don't have a loan that lasts seven

                 years.  You don't buy $24 million in passenger

                 vehicles that end up costing you in interest.

                 $3,908,000, you don't pay it back over seven

                 years.  You don't pay -- you're not going to

                 use those vehicles for seven years.  Why are

                 you borrowing and paying for them over seven





                                                          4113



                 years?  That's what we're authorizing in this

                 bill.

                            The total tab here is about

                 $300 million.  The total interest tab is

                 $99 million or so.  These are rough numbers,

                 but it's here.  Desktop computers, Internet

                 initiatives.  What are we borrowing for this?

                 Furniture and other office equipment,

                 $8 million.  We're borrowing and paying

                 interest?

                            The big fight about avails, the

                 Governor says, oh, I don't know, the surplus

                 is a billion, the Majority says it's a billion

                 and a half, the Assembly says it's 2 or

                 3 billion.  But nobody doubts that we have

                 multihundreds of millions, well over a billion

                 in surplus.

                            So why are we authorizing in this

                 bill the Executive to borrow, for furniture,

                 $8 million?  There's not enough money to go

                 out and buy for, the Unified Court System,

                 $8 million?  By the way, OGS, the cars were;

                 the furniture is Unified Court System.

                 They've bought into this now too.  The

                 Executive's been doing it for a few years.





                                                          4114



                            But we've been authorizing it in

                 this thing we put through before we ever do

                 the budget, and it's always on time, it's just

                 debt service.  Well, it's not just debt

                 service.  There's new debt in here.  Hundreds

                 of millions of dollars for things that simply

                 are not, in my opinion, the kind of thing you

                 ought to borrow and pay back over seven years

                 with all the interest cost involved.  I'm

                 looking here at about 90 some million dollars

                 worth of interest, to buy $300 million worth

                 of stuff that in my opinion we ought to just

                 go out and buy if they need it.

                            You know, PCs and printers,

                 personal computers and printers.  Due to the

                 good influence of my children a few years ago,

                 I have a PC.  I bought a PC back then, they

                 tell me it's junk now, they have new PCs.  The

                 fact is, anybody who buys PCs knows they're

                 outdated in, what, three years?  Three years

                 is pushing it.  They're outdated before you

                 get it out of box, Mr. President.  But you're

                 not going to keep using it seven years later.

                 Why are we going to be paying for it seven

                 years later, with interest?





                                                          4115



                            Mr. President, where are my

                 fiscally conservative colleagues?  I'm not

                 passing blame.  Nobody read this.  This has

                 been slipped by us year after year after year,

                 under the guise of debt service, when it's new

                 debt and it's new debt for things that ought

                 to be paid as you go, particularly since we've

                 had budget surpluses these past years.

                            Now, I know, Mr. President, it's

                 not fashionable to talk about debt, debt,

                 debt.  And I coined the phrase, and I admit

                 it, it's political.  It's political.  You

                 know, I've been called, oh, tax and spend

                 Democrats, tax and spend Democrats.  Well,

                 frankly, frankly we have -- these past years,

                 in this Capitol, we have a new type of

                 political person.  The borrow and spend

                 Republicans is what I call them, Mr.

                 President.  I know it's labels.  But we ought

                 to think about that.

                            We ought to think about that the

                 fact that, since Governor Pataki became

                 governor, that state-supported debt has

                 increased by 39 percent.  We ought to think

                 about things like these gimmicks, this





                                                          4116



                 certificate of participation debt service

                 rising 75 percent in one year.  The new

                 issuance rate is five times over -- the new

                 issuance rate on these certificates of

                 participation, five times what it was last

                 fiscal year.  We're set to issue $308 million

                 in new COPs debt while retiring $204 million.

                            It's getting worse and worse and

                 worse.  And we're letting it happen because,

                 oh, it doesn't seem big.  Hundreds of millions

                 of dollars of debt for things like desks,

                 automobiles?  It's just crazy.  We ought to

                 just buy them.  We have the money.  Save the

                 interest.  Who are we making rich here,

                 bankers?  We're now going to pay all this

                 interest, tens of millions of dollars in

                 interest, to bankers for things that we could

                 buy -- frankly, Mr. President, that we could

                 buy pay as you go if they're really needed.

                            Mr. President, what is this

                 Legislature doing with its fiscal oversight?

                 Maybe we're fighting about these big things

                 and having late budgets because the three men

                 in a room -- I don't expect the three men in

                 the room to be looking at sheets like this and





                                                          4117



                 saying why are we buying desks and equipment

                 and borrowing?  But somebody ought to be

                 looking in this Legislature.  Mr. President,

                 maybe this 80 whatever it ends up -- $81

                 billion, $82 billion, $83 billion budget is

                 too big a job for three men in a room.  Oh,

                 maybe we need to bang heads and get the

                 billions for school aid, right, and this and

                 that.  But somebody is not scrutinizing a

                 couple of hundred million dollars here and

                 there.

                            I cannot believe that my colleagues

                 on either side of the aisle would ever vote to

                 incur seven years' worth of debt and interest

                 payments to buy these kind of items that ought

                 to just be purchased by OGS as part of their

                 normal bidding out of state appropriations,

                 pay as you go.

                            The big picture on debt -- the big

                 picture on debt, by the way, I know there used

                 to be that thing in Manhattan, that clock that

                 showed the national debt, spinning away.

                 Well, just a couple of years ago, it stopped

                 spinning the wrong way and started spinning

                 back the right way and lowering it.  And for





                                                          4118



                 all the rhetoric, I remember when Ronald

                 Reagan -- a great president in many ways -

                 ran for office and talked about getting the

                 national debt under control.  And under his

                 reign, it tripled or quadrupled, quadrupled,

                 to the trillions, without a big war or without

                 any reason in the past history of this country

                 we incurred debt.

                            And under President Clinton -

                 whatever you may fault him about, the first

                 administration in 60 or 70 years to halt the

                 growth of the national debt and to turn around

                 and start reducing it and produce federal

                 budget surpluses.  And it meant a lot, Mr.

                 President.

                            I talked earlier about

                 consequences, about how Senator Marchi was

                 right and no one listened.  And years later,

                 oh, the city almost crashed.  And how real

                 people paid a real price for that in the

                 education of children, the safety of their

                 streets, the quality of their lives, the

                 quality of their housing and everything else.

                            Well, real people benefited from

                 that fiscally prudent Democratic eight years





                                                          4119



                 in Washington.  Real people did.  Because

                 instead of the bankers keep making more and

                 more in interest, there was money available to

                 focus on things like education and health care

                 and other things that we as a government ought

                 to be doing.

                            Mr. President, our constituents

                 don't want us to make investment bankers,

                 investors, and bond counsels richer.  They

                 don't view that as our job.  They want us to

                 spend their tax money on their needs -

                 education, health care, providing dignity for

                 our senior citizens, prescription drugs.  They

                 don't want us to pass their tax money over to

                 those who already have plenty.

                            And that's what we do when we incur

                 debt.  We just got the census, Mr. President,

                 a couple of weeks ago.  Good news, New York

                 grew.  What did we come to, 18 million?

                 California is what, 32 million?  Okay.  Well,

                 the total net tax supported debt in California

                 is $21.67 billion.  $21.7 billion, and they

                 have over 30 million people.  New York State's

                 net tax supported debt is $37 billion and

                 growing.  The Executive projections are by the





                                                          4120



                 end of next fiscal year it will increase by

                 $1.36 billion, 3.7 percent.  That's before the

                 end of this fiscal year that we're now

                 entering on Sunday.  We have far more debt

                 than California does.

                            And you know what the number-two

                 debtor in America is among states and

                 localities?  New York City, at $31 billion.

                 New York State, $37 billion and growing.  It

                 will be $38.4 billion by the end of the coming

                 fiscal year.  New York City is at $31 billion.

                 And the state of California is at $21.7

                 billion.  Massachusetts, $16 billion, New

                 Jersey, $14 billion, Florida, $13 billion,

                 Connecticut, $10 billion, Illinois,

                 $9 billion.  MTA -- Metropolitan

                 Transportation Authority, state agency, $7.8

                 billion.  More debt than all the rest of the

                 states but for the ones I've named.  Then we

                 have Ohio, Washington, Pennsylvania, and

                 Texas.  Oh, and the TBTA, Triborough Bridge

                 and Tunnel Authority, comes in at $5.4

                 billion, more than most of the other states.

                 And not to be forgotten, we get Georgia,

                 Maryland, Michigan, Virginia, Hawaii,





                                                          4121



                 Wisconsin, Kentucky.  And guess who's next?

                 Nassau County, New York, $2.7 billion.

                            The top of the list nationwide,

                 New York State has New York State, New York

                 City, the MTA, the TBTA, and Nassau County.

                            We've had some great years

                 economically in New York.  What's going to

                 happen when we don't?  Who's going to pay the

                 piper?  Debt service.  Our localities, oh,

                 they're going to support us?  The state gets

                 in trouble because of our debt growth, our

                 unrestrained debt growth, our revenues

                 suddenly go down?  The sad part, Mr.

                 President, is if we hit tough years, if the

                 economy goes down and our revenues go down, we

                 still have to pay for tax cuts locked into law

                 that haven't kicked in, because we haven't

                 done them on a pay-as-a-you-go basis.

                            And we have to pay -- not the COPs,

                 not the certificates of participation.  That's

                 something new we're authorizing in this bill.

                 But we do have to pay the nearly $5 billion in

                 interest and principal in the debt service

                 bill here.  And then we have other obligations

                 in federal funds and so on.  And we end up





                                                          4122



                 with a few billion dollars from which we can

                 extract whatever deficit we end up with in

                 some future year.  And I have been here long

                 enough to see years where we were three and

                 four billion dollars in the hole.  And you

                 have to take that out of not the $83 billion

                 or $82 billion budget, you have to take it out

                 of $7 billion or $8 billion that is really all

                 we have any real discretion over.

                            So what happens?  The kids pay, the

                 parks pay, the senior citizens pay, education

                 pays, highways pay.  In this debt service

                 bill, Mr. President, we are authorizing

                 borrowing of about $500 million for highways,

                 I believe.  And elsewhere in there, we're

                 doing a dry appropriation, nearly

                 $300 million, while we're borrowing

                 $500 million for the same purpose.  Hello, why

                 aren't we just eliminating that $300 million

                 of that borrowing and paying our tab?

                            The fact is that debt in New York

                 State -- and our State Comptroller has pointed

                 it out in reports year after year, his concern

                 for the level of debt in this state -- has

                 just run out of hand.





                                                          4123



                            Now, when I say that New York

                 State's tax supported debt is growing and will

                 grow to a total of $38.5 billion -- that's

                 just the state tax supported debt -- by the

                 close of this coming fiscal year, these are

                 the Executive's projections.  Oh, what about

                 full faith and credit?  What about the voters?

                 Of $38.5 billion in state tax supported debt,

                 only $4 billion of it have been approved by

                 the voters of this state.  And it's no wonder,

                 Mr. President, that the last bond issues have

                 all gone down.  But we don't listen to the

                 voters, and we subvert the constitution with

                 back-door borrowing.  $34.5 billion of it is

                 back-door borrowing, borrowing it through

                 authorities, guaranteeing it with state tax

                 revenues, a practice that was rhetorically

                 condemned by everybody for decades, but we're

                 still doing it.

                            By the way, if you add what the

                 authorities borrow and owe, secured by their

                 own revenues, not by tax revenues, you're up

                 at about $100 billion.  You're up at

                 $100 billion in state debt between our

                 authorities and our tax supported debt.  A





                                                          4124



                 hundred billion.  And that doesn't include

                 New York City, Nassau County.

                            Mr. President, we're being fiscally

                 foolish here.  We're making a lot of

                 investment bankers, bond counsel and what have

                 you very, very wealthy, at the expense of the

                 future of our children and education.

                            Mr. President, I learned something

                 in that New York City fiscal crisis.  Up until

                 then -- and I was younger then -- I thought,

                 I'm a very progressive -- actually, you could

                 call yourself a liberal then, Mr. President.

                 It was okay.  And I thought, oh, well,

                 liberals borrow, we're going to do all these

                 great things with it.  That taught me

                 something.  If you're really progressive and

                 you care about the future and you care about

                 investments in the future, whether it's in the

                 environment, education, health care, providing

                 for seniors, meeting our responsibilities, our

                 social responsibilities to those in our

                 society who need it, then you must be fiscally

                 prudent.  Because fiscal recklessness costs

                 those very people, those very people we are

                 all sworn to serve.





                                                          4125



                            And I am really disturbed about

                 this.  I am disturbed that in past years,

                 based on a good idea that Senator Gold had -

                 let's do debt service right away, there's no

                 discretion in there.  And I went along with

                 it, we all did, unanimously passed.  Debt

                 service.  As Senator Stafford said, Mr.

                 President, this is the Executive's debt

                 service proposal.  We all take it at full

                 value.  Well, we've got to pay that.

                            Well, there's stuff in here we

                 don't have to do.  There's stuff in here that

                 isn't paying for past debt.  There's new stuff

                 in here.  There's new debt in here for things

                 like automobiles for OGS.  What are we doing?

                 Why are we being rolled over by the Executive

                 this way?  We're being rolled, Mr. President,

                 by the Executive.  On the big picture we're

                 being rolled because this Legislature won't

                 get together and use the talents of all of its

                 members to produce a budget and then stand

                 behind it in a bipartisan way, stand behind

                 that budget in the face of the Executive.

                 That's the big picture, where we're being

                 cowed by the Executive.  And in the little





                                                          4126



                 picture, we're swallowing a couple of hundred

                 million dollars in reckless, reckless

                 borrowing for things that should not be

                 financed, that nobody should make a nickel of

                 interest on.

                            Mr. President, it's really a

                 serious issue, this debt issue.  And I'm kind

                 of glad, obviously -- why did I read it?

                 Because we've announced we want to fully

                 debate all bills.  But I learned something

                 when I read it.  I learned we're being had,

                 Mr. President.  We're being had in this debt

                 service bill.  We're being had on the issue of

                 debt.  We're hearing from the Second Floor the

                 rhetoric, the rhetoric of fiscal

                 responsibility, and we're seeing the reality

                 of a 37 percent increase in debt.

                            When we already have, by far and

                 away -- on a per capita basis, it's more

                 disturbing where we've been and where we're

                 going.  On a per capita basis, New York debt

                 per capita is $2,022 in 1999.  Per capita.

                 That means every man, woman, child, and infant

                 in New York State, that's the per capita debt.

                 The national mean for per capita debt, $727.





                                                          4127



                            As a percentage of personal income,

                 as a percentage of personal income -- and I'm

                 only talking the state tax supported debt.

                 I'm not addressing New York City, Nassau

                 County, or the authority debt.  I'm only

                 really talking about the $37 billion or

                 $38 billion, not the hundred-billion-dollar

                 tab that the authorities are running.  On the

                 tax supported debt by personal income,

                 6.2 percent, 6.2 percent of our personal

                 income is encumbered this way.

                            If you look, Mr. President, at the

                 growth of state debt as -- in 1969 and '70,

                 state supported debt was 5.6 percent of

                 personal income.  The interesting thing, Mr.

                 President, and where the rhetoric, where the

                 rhetoric never matches the reality, if you go

                 ahead, '74-'75, it was 6.5 percent.  Now,

                 let's get to the infamous Cuomo years.

                 '81-'82, 3.8 percent.  '83-'84, 3.8 percent.

                 3.5 percent in '84-'85.  '85-'86, 3.4 percent.

                 '86-'87, 3.5 percent.  The next year, 3.5

                 percent.  Up until 1990, 3.5 percent.  Yes, it

                 grew.  In '90 and '91, 4.1 percent.  And in

                 '91-'92, 5.1 percent.  And then it took off,





                                                          4128



                 it took off.  1994-5, 5.9; 95-'96, 6.2.  Then

                 6.3.  Then 6.25 percent.  1999-2000,

                 6 percent.

                            The rhetoric doesn't match the

                 reality.  As a percentage of personal income,

                 in these past years the percent has gone up,

                 the percent of our debt.  Yet our revenues

                 have gone up, our -- the income of the state

                 has gone through the ceiling in those years.

                 Yet the percentage of that income that's

                 encumbered by debt has increased.  That's the

                 reality, Mr. President.  The rhetoric is all

                 politics.  The reality is the numbers.  It's

                 gone up.

                            State supported debt service as a

                 percentage of all funds.  Now we do all funds

                 budget; right?  Well, let's go back to some of

                 these Cuomo years.  '86-'87, 2.5 percent.  2.5

                 percent, 2.5 percent, in the next years.

                 '89-'90 went to 3.5 percent.  '90-'91 went to

                 3.2 percent.  '91-'92, 3.7 percent.  '93-'94,

                 3.9 percent.  '94-'95, 4.1.  Oh, now the

                 Pataki years.  '95-'96, 4.4 percent.  '96-'97

                 4.5 percent.  '97-'98, 4.8 percent.  '98-'99,

                 4.8 percent.  '99-2000, 5 percent.  And that's





                                                          4129



                 where we're stuck, 5 percent.  Debt service is

                 five percent of all funds.  It's gone up.

                 It's gone up.  Gone up dramatically.  It's

                 doubled.  It's doubled.  It's doubled since

                 1986.  And the big jump has come since 1995.

                            Mr. President, we're going in the

                 wrong direction on debt.  We've seen -- we've

                 seen this before in New York State.  Indeed, I

                 talked about the New York City fiscal crisis.

                 Never forget, Mr. President, that at that time

                 the state tottered on the brink of insolvency

                 because of the full faith and credit -- or,

                 I'm sorry, the moral obligation bonds in UDC,

                 in which the investment public lost faith

                 because of the New York City crisis and some

                 other things.  And indeed, it wasn't just, you

                 know, people talk.  And the great Warren

                 Anderson, together with the people who were

                 here then, like Senator Marchi and the then

                 Speaker Steingut and Governor Carey, and they

                 saved New York City.  And Senator Stafford

                 voted for it.

                            And the fact is, they saved New

                 York City because it was the right thing to

                 do.  But they had to do that to save the state





                                                          4130



                 at the time, to save the fiscal integrity of

                 the state.  And now we're headed down that

                 path.  Runaway debt.  Runaway debt, the

                 responsibility rests right here in this

                 Legislature, because it represents a lack of

                 self-restraint, lack of self-control, and a

                 lack of paying attention to details.

                            How can we approve this, Mr.

                 President, when there's $300 million worth of

                 borrowing for what ought to be ordinary

                 expenses, annual expenses?  Why are we

                 authorizing the Executive to do this borrowing

                 and pay interest?  Oh, the interest,

                 5.45 percent interest on all these COPs

                 borrowings.  That's what we're going to pay

                 over seven years.  So that the total payment

                 will just grow and grow.

                            Mr. President, more people should

                 read this bill.  More people in this chamber

                 should understand it's not just routine debt

                 service.  We're not just paying interest on

                 debts.  More people should understand we're

                 actually making appropriations here to cover

                 new debt.  New debt that we don't even know

                 we're allowing to be created.  New debt for





                                                          4131



                 some of the very wrong things that you ought

                 to incur indebtedness for.

                            And, Mr. President, we really ought

                 to get a handle on New York's debt system.  I

                 know we're going to hear from the Executive

                 that Standard & Poor's gave New York a

                 two-step upgrade.  I know there are proposals

                 for constitutional amendments to cap debt and

                 do all sorts of other things and end back-door

                 borrowing.  But all this back-door borrowing,

                 Mr. President, just didn't happen.  This

                 Legislature authorized it all over the past

                 dedicate.  This Legislature voted for it.

                 Sometimes you voted for it because it was in a

                 big, ugly bill as part of the budget, and you

                 had to make the Hobson's choices that my

                 colleagues have talked about when they

                 described their interest in preserving loft

                 tenant protection versus their disdain for

                 Quick Draw.

                            This debt is a product of the

                 dysfunctional budget process in New York

                 State.  It is a product of compromises late in

                 the summer to finally get a budget.  This

                 back-door borrowing is a compromise.  One side





                                                          4132



                 or the other wants it because they need

                 spending in a dysfunctional -- this debt, Mr.

                 President, is a product of three men in a room

                 doing a budget.  And I don't just say it's the

                 three men who are now in the room.  It's a

                 product of that process, because a few years

                 back there were three different men in the

                 room with a budget, as Governor Pataki pointed

                 out in his first campaign for Governor.

                            This runaway debt is not just

                 because the Legislature lacks self-control,

                 it's because the Legislature has no control.

                 The rank and file members have no control over

                 this process anymore, as they once did.  No

                 control over the process.  It's dished up to

                 us late.  It will clearly be very late this

                 year.  I've heard, Mr. President, our Majority

                 Leader talking about, well, it won't get done

                 until September.  Mr. President, those kinds

                 of things become self-fulfilling prophesies.

                 If you believe the budget won't be resolved

                 until August or September, you're probably

                 right.  If you're one of the three men in the

                 room and you believe the budget won't be

                 resolved until August or September, Mr.





                                                          4133



                 President, regrettably, that person is

                 undoubtedly right.  Because it's indicating a

                 willingness to get it done that late to get

                 what you want.

                            Mr. President, our dysfunctional

                 budget process isn't just, oh, the budget was

                 late but we'll pass it in August, we'll all

                 get paid, eventually school districts will get

                 their money.  Yes, some agencies under local

                 assistance and so on will incur a little bit

                 of interest charges to carry them over.  Some

                 school districts will be disrupted because

                 they couldn't plan properly.  It's not just

                 that.

                            It's taking us into a terrible

                 hole, a terrible debt hole.  Because at the

                 end of that process, there are so many quick

                 compromises that back-door borrowing, just

                 another half a billion, just another

                 600 million, just another billion and the

                 Governor gets to spend 500 million of it and

                 each Majority gets to spend 250 million of it,

                 and we'll tell you, yeah, it's for, I don't

                 know, capital programs, we'll tell you later

                 where it's going.  That's what we've been





                                                          4134



                 doing.

                            And we're digging that hole deeper

                 and deeper and deeper.  And the debt service

                 as a percentage of all funds has gone up and

                 up and up.

                            Mr. President, on this bill, I'd

                 ordinarily vote yes, because, hey, you know,

                 we borrowed this money, we have to pay the

                 interest.  But since there are new

                 appropriations and new authorization in this

                 for new debt, for things like automobiles, I'm

                 going vote no, Mr. President.  On this one,

                 I'm voting no.

                            ACTING PRESIDENT MEIER:    Senator

                 Onorato.

                            SENATOR ONORATO:    Will Senator

                 Connor yield for a question?

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, do you yield?

                            SENATOR CONNOR:    Certainly.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor yields.

                            SENATOR ONORATO:    You opened my

                 eyes today on something that I'm here 18 years

                 and I was never aware of this here.  I was





                                                          4135



                 always under the impression that debt service

                 was for the money that we actually owed.

                            Now you're telling me here now that

                 we're actually borrowing money that's going to

                 take us seven years to be purchasing

                 automobiles, and we currently have somewhere,

                 depending on whose figures you use, anywhere

                 from a $2 billion to $5 billion surplus.

                            Why in God's name would we be

                 borrowing money when we have a surplus?  I

                 mean, we wouldn't do that at home.  If we have

                 money in the bank, we wouldn't go out and

                 borrow money where we got to pay 9 or

                 10 percent interest on it.  What possible

                 justification is there for borrowing that kind

                 of money for those kind of expenses?  I'd like

                 the rationale for it.

                            SENATOR CONNOR:    Mr. President,

                 Senator Onorato asked the question.  There is

                 no good rationale.

                            It's akin to a household that's in

                 debt that has three credit cards maxed, that

                 owes a big mortgage and a car loan.  And, lo

                 and behold, a rich old uncle or a great-uncle

                 leaves them a couple of hundred thousand





                                                          4136



                 dollars.  Do they pay off the mortgage?  Do

                 they pay off the car loan?  Do they pay off

                 the three credit cards?  No.  They actually,

                 because they have some money now in the bank,

                 get the three credit card companies to double

                 their line of credit, trade in the car and buy

                 a bigger car, with a bigger car payment, and

                 go spend the $200,000 the rich uncle gave them

                 and then start charging on the increased lines

                 of credit.

                            That's what the State of New York

                 has been doing, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Paterson.

                            SENATOR PATERSON:    Mr. President,

                 if Senator Connor would yield to me for a

                 question.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, do you yield to Senator Paterson?

                            SENATOR CONNOR:    Yes, Mr.

                 President.  I think I should learn what it

                 feels like to -- no, I'll be happy to answer a

                 question.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor yields.





                                                          4137



                            SENATOR PATERSON:    Senator, you

                 talked about our colleague who served here for

                 a number of years and was your ranker on

                 Finance, and you were talking about Senator

                 Emanuel Gold and how he suggested this back in

                 '96, which was his first year as the ranker,

                 and in '97.

                            And let's go back to that first

                 budget, the first debt service we ever did.

                 In that, we passed the CFAP legislation, the

                 Continuing Enhancement Facilities Assistance

                 Program, $425 million, much of it for good

                 measures.  $100 million of it went to

                 refurbish the Buffalo stadium, they've done

                 street lights, and they've also, you know,

                 paved the parking lot at the Little League and

                 that kind of thing.  And those would be good

                 debts.

                            But the same office supplies and

                 little items that you could just buy with the

                 surplus which we had at that time got bought

                 the same way as this was.  And here we are in

                 2001, we've just about half paid that off, but

                 the debt service for that allotment, which

                 really there were three ways that that





                                                          4138



                 allotment was distributed, the Governor

                 decided what to do with a third of it, the

                 Majority Leader got a third of it, the Speaker

                 got a third of it.

                            So here we are, we've about halfway

                 paid it back, we're about five years later,

                 and yet the debt service for that is going up.

                            So my question is, are you aware

                 that even in these original debt services,

                 that we thought we were just paying back the

                 debt and that you and I and Senator Gold and

                 Senator Onorato and a number of our colleagues

                 on the other side of the aisle relied on in

                 good faith, we were really relying to the

                 detriment of the taxpayers of the state?

                 Because here we are in many respects

                 refinancing a debt that goes to pay for

                 supplies that the money is sitting right

                 there.

                            Now, to be fair, the Governor has

                 talked about converting $60 million of that to

                 cash.  But we as the Senate and Assembly

                 haven't even addressed it in our one-house

                 bills this session.

                            SENATOR CONNOR:    Mr. President,





                                                          4139



                 Senator Paterson raises the point.  This has

                 been going on these past few years.  I have to

                 confess, I was not focused on it and unaware

                 of it.  We did believe that debt service meant

                 for paying for debt that we were all aware of.

                            This practice, this practice,

                 though -- I mean, runaway debt is one issue.

                 You have to be able to handle paying that back

                 and look at the future consequences of it.

                 But the practice of paying for what should be

                 expense items in accounting terms, expense

                 items by capitalizing them, is a road to

                 disaster.  It was a road to disaster in the

                 late '60s and early '70s for New York City,

                 and it's a road to disaster for the State of

                 New York.

                            ACTING PRESIDENT MEIER:    Senator

                 Paterson.

                            SENATOR PATERSON:    Mr. President,

                 one final question, I promise, for Senator

                 Connor.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, do you yield?

                            SENATOR CONNOR:    Thank you, Mr.

                 President.  I'd be happy to.





                                                          4140



                            ACTING PRESIDENT MEIER:    Senator

                 Connor yields.

                            SENATOR PATERSON:    I want to ask

                 him, because I am shocked, I'm really appalled

                 when I hear that the largest debtor,

                 tax-sponsored debt in this country belongs to

                 New York State at $37 billion, when in fact we

                 have roughly, I'd say, three-quarters of the

                 population of California, who has $16 billion

                 less debt, and that the second on the list is

                 New York City at 31 billion.

                            Then you listed some states, I

                 guess you got down to number six or seven on

                 the list before you got to the Metropolitan

                 Transit Authority.  Then you went down four or

                 five more states, and then you got to the

                 Triborough Bridge and Tunnel Authority.  Then

                 you gave us a few more states -- some of them

                 were pretty large states, if I remember -- and

                 then you got down to Nassau County.

                            Just generally, if you were to add

                 up all those numbers, because it's all New

                 York, how would you assess in gross numbers

                 all of the debt that exists in the entity of

                 New York when you put together its local





                                                          4141



                 governments, its municipalities, and its other

                 institutions?

                            SENATOR CONNOR:    Well, I think

                 what we're looking at here -- and I don't know

                 every locality, obviously, in the state.  But

                 just adding up the big ones, through New York

                 City, and adding them to that number that -

                 the state-supported debt plus the authority

                 debt, which is about a hundred billion, we're

                 talking about here about roughly $150 billion.

                            And frankly, that's not including

                 any debt smaller counties may have, no debt of

                 any counties except for Nassau County.  So

                 excluding all counties but Nassau County, it's

                 $150 billion.  And it's virtually more than

                 all the other states in the United States

                 combined.

                            ACTING PRESIDENT MEIER:    Senator

                 Stavisky.

                            SENATOR STAVISKY:    Is there

                 somebody who can answer a question for me

                 concerning this bill, Mr. President?

                            SENATOR MARCELLINO:    Mr.

                 President, Senator Stafford will be back in a

                 moment.





                                                          4142



                            ACTING PRESIDENT MEIER:    Senator

                 Stavisky, would you like to wait for -

                            SENATOR STAVISKY:    Perhaps

                 Senator Connor can answer the question for me.

                            ACTING PRESIDENT MEIER:    Are you

                 asking Senator Connor to yield for a question?

                            SENATOR CONNOR:    Mr. President,

                 why are they doing this to me?

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, will you yield to Senator Stavisky?

                            SENATOR CONNOR:    I'd be happy to

                 yield, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor yields.

                            SENATOR STAVISKY:    Senator

                 Connor, you spoke about -- Mr. President,

                 Senator Connor spoke about automobiles and

                 computers and the like.  I wonder, Mr.

                 President, if Senator Connor can tell me what

                 the useful life is, the way we generally

                 figure out the number of years that we're

                 going to engage in a borrowing practice, for a

                 car.

                            SENATOR CONNOR:    Yes, Mr.

                 President.  For accounting purposes, an





                                                          4143



                 automobile is usually written down, so to

                 speak, over a five-to-seven-year period.  But

                 from a fleet management standpoint, the

                 practice is usually to trade in cars, usually

                 no later than after three years because of the

                 economies involved in the trade-in at that

                 point and avoiding repairs and maintenance

                 costs that go up.

                            So while just for accounting

                 purposes they often carry it out over five to

                 seven years, the real fleet maintenance

                 practice is usually at three years.

                            And as I said, Mr. President, in

                 terms of computer equipment, furthermore, when

                 we're talking about PCs and things like that,

                 in my own personal experience, not just at

                 home but some other organizations that I have

                 responsibility for, one political organization

                 where I thought when I became leader six years

                 ago that, gee whiz, we're going to spend

                 $35,000 and have computers, and my people told

                 me about a year ago we need all new computers.

                 What happened to the other?  And the answer is

                 they're really not very good more than three

                 or four years.





                                                          4144



                            So computers, generally businesses

                 are looking to upgrade after three or four

                 years.

                            SENATOR STAVISKY:    Thank you, Mr.

                 President.  I do have a question for Senator

                 Stafford.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield for a question?

                            SENATOR STAFFORD:    By all means.

                            SENATOR STAVISKY:    I have two

                 questions, really.  Just two questions.

                            Senator Stafford, I'm troubled by

                 what Senator Connor has spoken about, about

                 the increase in the borrowing in the sense

                 that we are in a sense appropriating money

                 here in this debt-service section of the

                 budget.  Can you respond to the points that

                 Senator Connor raised?

                            SENATOR STAFFORD:    I certainly

                 will.  And I also would like to thank Senator

                 Connor for answering questions here in this

                 very, very difficult field.  And I can see

                 that he understands how taxing this is, no pun

                 intended.

                            On a serious note, actually there





                                                          4145



                 is money made available to pay the debt, the

                 interest, but any authorization for what that

                 will be spent for has to be in the main budget

                 bill.  So I think we should point that out.

                 Any new programs or any new authorizations,

                 anything new, any new cars or anything you're

                 going to buy.

                            SENATOR STAVISKY:    But, Mr.

                 President, if the Senator would yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 Senator yields.

                            SENATOR STAVISKY:    Senator Connor

                 indicated that there were -- I don't have the

                 section that Senator Connor was referring to

                 in the bill, but apparently there are

                 appropriations for cars and computers and the

                 like.

                            SENATOR STAFFORD:    Yeah, that's

                 exactly right.  But that's already been

                 authorized in the previous budget.  And

                 therefore, there are no new authorizations in

                 this budget.





                                                          4146



                            SENATOR STAVISKY:    If the Senator

                 would yield for one last question.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    He

                 yields.

                            SENATOR STAVISKY:    On page 14,

                 the last page of this budget bill, there is

                 $95 million appropriation for a special

                 contractual obligation payment to the

                 Dormitory Authority.  The Dormitory Authority,

                 as I understand it, assumed the contingent

                 obligation authority of that medical care

                 facilities -- I don't remember, it's an

                 acronym.  How much has been used of that $95

                 million?

                            SENATOR STAFFORD:    Before

                 answering exactly, I have to make this point

                 also.  This will be a little inside for those

                 of us who have been here for a while.  But

                 Senator Connor now can be the Harvey Strelzin

                 of the Senate.  Harvey used to read every

                 single bill.

                            SENATOR CONNOR:    In the bathtub.





                                                          4147



                            SENATOR STAFFORD:    That's right.

                            SENATOR STAVISKY:    No,

                 Assemblyman Strelzin announced on the Assembly

                 floor one day that he took a bill back to the

                 old DeWitt Clinton Hotel with him, he read the

                 bill in the bathtub, in a tub filled with hot

                 water, Mr. President, and Assemblyman Strelzin

                 announced that bill was so bad the bathwater

                 turned cold.

                            SENATOR STAFFORD:    Harvey was

                 quite a fellow.

                            This is a dry appropriation.

                            (Laughter.)

                            SENATOR STAFFORD:    I was serious.

                 A dry appropriation.

                            SENATOR STAVISKY:    Could you

                 explain to me -- well, I know what -

                            SENATOR STAFFORD:    Just a second.

                            SENATOR STAVISKY:    While Senator

                 Stafford -- Mr. President, if I could explain

                 my concern, my interest in this bill, perhaps

                 I can explain a little bit -

                            SENATOR STAFFORD:    What it is,

                 Mr. President, no cash will be used.  It's

                 there in case it's needed, but it's not





                                                          4148



                 expected it will be used.

                            SENATOR STAVISKY:    And none has

                 been spent up to now?

                            SENATOR STAFFORD:    None has been

                 spent, no.

                            SENATOR STAVISKY:    Mr. President,

                 on the bill.

                            ACTING PRESIDENT MEIER:    Senator

                 Stavisky, on the bill.

                            SENATOR STAVISKY:    The reason I

                 asked that question is that there's a hospital

                 in Queens that was categorized as a

                 depressed -- a distressed hospital, Flushing

                 Hospital.  It eventually, if my memory is

                 correct, went into bankruptcy.  And I was

                 curious as to whether any of the funds have

                 been used to help distressed hospitals such as

                 Flushing Hospital, and that was the thrust of

                 my question.  And you've answered it, and I

                 thank you.

                            ACTING PRESIDENT MEIER:    Senator

                 Schneiderman.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Thank you, Mr. President.  If the sponsor

                 would yield for a question.





                                                          4149



                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield for a question?

                            SENATOR STAFFORD:    Yes, Mr.

                 President.

                            ACTING PRESIDENT MEIER:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    I share

                 the concern that Senator Connor and others

                 have expressed here for the runaway debt for

                 the State of New York.  And I note that in

                 addition to state-supported debt, there is a

                 serious problem with debt of New York's

                 authorities.  Are you aware whether or not the

                 revenue of the Metropolitan Transit Authority

                 and the TBTA have increased over the last five

                 years or decreased?

                            SENATOR STAFFORD:    They have been

                 increased gradually.  I don't know the rate.

                            SENATOR SCHNEIDERMAN:    Through

                 you, Mr. President, if the sponsor would

                 continue to yield.

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    In fact,





                                                          4150



                 my understanding is that in the case of the

                 MTA there has been an extraordinary increase

                 in revenues due to the increase in ridership.

                 Why is it, then, that the MTA's debt during

                 this period of an expansion of its revenue has

                 continued to grow?

                            SENATOR STAFFORD:    I am very

                 pleased to answer that question, because we in

                 the North Country are very pleased that we are

                 making railroad cars and we are selling the

                 railroad cars to the MTA.  They're automatic.

                 I think you'll find that, you know, just very,

                 very enjoyable.

                            That's the reason, I would suggest,

                 that there have been equipment purchases.  And

                 we of course hope that we'll be able to

                 continue to improve the equipment for the MTA,

                 the rail equipment.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President, if the sponsor

                 will continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    The





                                                          4151



                 Senator yields.

                            SENATOR SCHNEIDERMAN:    And I note

                 that the North Country cars are also

                 graffiti-proof, which I think is a significant

                 contribution to our quality of life.

                            My concern, though, is why these

                 are being paid for with debt, increasing debt

                 during a period when operating revenues have

                 expanded significantly.  The actual annual

                 budgets of the MTA, as far as state

                 appropriations, have in fact gone down.  So

                 the debt has gone up even though the revenues

                 are increasing.  Do you have any explanation

                 for that?

                            SENATOR STAFFORD:    Now, this is

                 very sensitive which I am being about to say.

                 And I shouldn't go here.  I shouldn't even

                 mention this.  But someone who goes to work

                 and rides the MTA to work and from work, I

                 believe that costs $3.

                            Is that right, a dollar and a half?

                 Well, I take the subway all the time.  It's a

                 dollar and a half.  So that makes it -- is

                 that $3?  Right.  Right.

                            Now, some of my friends from





                                                          4152



                 upstate are scowling.  I understand why.

                 Those who drive to work and come home, it's

                 very often, often, much more than that.

                            So I'm suggesting that the revenues

                 are such because we have such a very

                 reasonable fee there that we need to do what

                 we are doing in order to provide the equipment

                 that is necessary.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Thank the sponsor for his answers.

                            I have another issue I want to

                 address.  But let me -- I want to speak, if I

                 may, Mr. President, on the bill on this

                 subject.

                            ACTING PRESIDENT MEIER:    Senator

                 Schneiderman, on the bill.

                            SENATOR SCHNEIDERMAN:    Because I

                 do not know much of mountains, streams, and

                 valleys, but I know a lot from subways.  In

                 fact -- and I urge our distinguished sponsor

                 to consider -- in the history of the United

                 States, there has never been a public

                 transportation system receiving as small a

                 state subsidy as the buses and subways of the

                 City of New York.  The way to calculate this





                                                          4153



                 is to determine how much of the cost of riding

                 on the subways is borne at the farebox with

                 our token dollars, or in this case now our

                 Metrocard dollars.  In the case of the buses

                 and subways of the City of New York, we are

                 paying for well over 80 percent of the cost.

                 That is half what the subsidies for the Long

                 Island Railroad are.  Long Island Railroad

                 commuters only pay about 45 percent or 40

                 percent of the operating cost.  Metro North

                 doesn't make out quite as well as Long Island,

                 but a lot better than the riders of the buses

                 and the subways of the City of New York.

                            What has been happening over the

                 last five years, and I think it is one of the

                 great disasters of public policy that -- along

                 with several others encompassed in this debt

                 support bill, is that the State of New York

                 has been taking our token dollars, reducing

                 the state's appropriations for the MTA, using

                 the money for other purposes so that MTA is

                 forced to borrow more and more and more.  In

                 fact, we are now doing something which as far

                 as I'm aware has never been done by any

                 transit system in the history of the country,





                                                          4154



                 which is we are issuing bonds backed by token

                 dollars for operating costs.  Not for capital

                 costs, for operating costs.  We are mortgaging

                 our future.

                            And in fact, the revenue of New

                 York State's authorities, as our tax revenue

                 has in the last five years, has gone way up.

                 The great national boom, which sadly seems to

                 be coming to an end, along with the end of the

                 Clinton administration, has provided great

                 infusions of funds to our coffers and to the

                 coffers of the MTA, the TBTA, and other

                 authorities.

                            What have we done with the money?

                 We have spent it in a way that is as

                 irresponsible as anything you can imagine.  We

                 have not cut the size of New York State's

                 government, we have not made some great

                 substantial improvement in the services we

                 provide to our constituents.  We have had some

                 tax cuts which really have not had any

                 particular effect unless you're at the very,

                 very top of the tax brackets.  And we have

                 gone further and further into debt.

                            If during the flush times we are





                                                          4155



                 borrowing more and more, what happens during

                 the recession?  The Wall Street Journal today

                 has an article talking about private sector

                 lending, about banks and how during the boom

                 they allowed loans they would not otherwise

                 have allowed, how they've loosened their

                 criteria for lending, and what a disaster some

                 are now facing with the coming downtown in the

                 economy.

                            We do not have, under the Pataki

                 administration, an economic development policy

                 in this state.  We have an economic disaster

                 policy.  And I know that this is not just some

                 sort of liberal New York point of view,

                 because I received a report not long ago from

                 an organization that I don't usually find

                 myself in agreement with, and it criticized

                 the Pataki administration for the loss of

                 jobs, for the expanded debt, for the fact that

                 we've got all these increased revenues where

                 you can't tell what they're going for, and it

                 was a memorandum from Change New York.

                            Now, when Change New York's

                 analysis and my analysis is the same, I think

                 we have a fairly good -- we have a problem,





                                                          4156



                 yes.  Thank you, Senator Balboni, for

                 acknowledging we have a serious problem in the

                 State of New York.

                            I urge that this sort of borrowing

                 and lending is a disaster for our children and

                 our grandchildren.  It is not something that

                 we can -- we shouldn't be able to hold our

                 heads up and go back to our constituents and

                 say we have done this with the budget, in

                 spite of the fact that we've had years of

                 great, great infusions of revenue.  We have -

                 at the same time our revenues have gone up,

                 we've gone further into debt than any state in

                 the history of the country.  Our authorities

                 are going further into debt in spite of the

                 fact that their fareboxes are full and their

                 revenues have increased.

                            This is an economic disaster

                 policy.  And we have to take some action here

                 in the house, which I understand has prided

                 itself on fiscal prudence in the past.  And I

                 would urge that we try and give some reality

                 to that and not just scam our constituents and

                 scam the public and say we're fiscally prudent

                 when we're doing exactly the opposite.





                                                          4157



                            I have to say that after listening

                 to the debate here, I'm going to be

                 constrained to vote against this bill as well.

                            Thank you, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Dollinger.

                            SENATOR DOLLINGER:    Thank you,

                 Mr. President.

                            This particular piece of

                 legislation, from my point of view, is a bad

                 cartoon show.  This is the worst kind of

                 cartoon show that we could put on the people

                 of the State of New York, because we're about

                 to do something that has very little

                 resemblance to reality and, frankly, I think

                 is a testament to one of my favorite cartoon

                 characters.  This budget item paying for debt

                 should be called the Wimpy bill.

                            Why?  Because you remember that

                 fabulous character from the cartoon show, J.

                 Wellington Wimpy?  J. Wellington Wimpy was in

                 the Popeye cartoons.  And remember what he

                 constantly said?  Remember his claim to fame?

                 He said -- what did he say, Senator Stafford?

                 You saw the cartoons.  I've seen the cartoons.





                                                          4158



                 His line was:  I will gladly pay you Tuesday

                 for a hamburger today.

                            New York State has been buying

                 hamburgers by the droves, by the truckload.

                 We've bought cowherds of hamburgers.  And

                 we're waiting for Tuesday to come.  And in

                 this Legislature's point of view, Tuesday will

                 never come.  We'll just keep buying

                 hamburgers, accumulating hamburgers, with the

                 notion that someday, some other Governor and

                 some other Legislature will have to start

                 paying them back when Tuesday arrives.

                            The wisdom of J. Wellington Wimpy

                 is still present today.  Senator Connor talked

                 eloquently about the problem with borrowing,

                 about the danger of borrowing.  And I would

                 just remind all of my colleagues in 1848,

                 after twenty years of doing what this

                 Legislature refuses to do, for almost 20 years

                 after the boom created by Erie Canal, the New

                 York State Legislature, the legislators who -

                 well, they didn't sit in this chamber, because

                 this building hadn't been built.  But they sat

                 in this house, and they refused to impose

                 taxes.  No taxes.  Why?  We will rely on debt.





                                                          4159



                 It's a wonderful thing to do.  We can borrow

                 all this money, we don't have to raise taxes

                 to pay for expenses.  As the state grew, the

                 state boomed.  Everything was rosy.  Until, of

                 course, the financial crisis of 1845, when the

                 State of New York virtually went bankrupt.

                            The wisdom of the voters in the

                 State of New York was eloquently spoken

                 because they asked to convene a constitutional

                 convention.  They went to the convention and

                 they did one critically important thing.  They

                 enacted an amendment to the constitution from

                 the people that said the State of New York can

                 only borrow through general obligation debt

                 secured by the full faith and credit of the

                 State of New York, and it may only do that

                 with voter approval.

                            That amendment, in my opinion, has

                 never been honored.  That amendment has a

                 century of avoidance.  The brilliant work of

                 Robert Moses, who started it, the brilliant

                 work of others who expanded it so that the

                 State of New York -- John Mitchell, the

                 brilliant work of John Mitchell, what a

                 wonderful idea.  It's too bad later in life he





                                                          4160



                 went astray.  But those men rebuilt the notion

                 that the State of New York could borrow

                 without voter approval, avoiding the

                 strictures of our constitution and avoiding

                 what the people told them they didn't want to

                 have happen.

                            I'm always astounded that this

                 Wimpy bill comes up.  And every year we hear

                 discussion, and I -- with all due respect to

                 Senator Bruno, who talked about those horrible

                 practices of the past, we can't go back to

                 those horrible days in the late '80s and early

                 '90s when we were spending more money than we

                 were taking in.  I would of course remind

                 Senator Bruno, since I have the votes in the

                 '90 budget, the '91 budget, and the '92

                 budget, that Senator Bruno and almost every

                 Republican in this chamber voted for every

                 single one of those budgets.  And they voted

                 for every penny of debt.

                            This is not a problem that we can

                 proscribe to anybody but ourselves.  We are

                 where we are today because the majority in

                 this house -- Democrats and Republicans -

                 mostly Republicans, since you control what





                                                          4161



                 goes on the table, what's there to eat.  You

                 place the food on the table.  And your

                 position has been, for the last two decades,

                 borrow as much as we want.  Why pay for it

                 with cash?  Why have to go to the people and

                 raise taxes to ask them to pay as we go?

                 Let's borrow money.  We haven't borrowed

                 enough, let's borrow more.  Let's keep going

                 until Tuesday comes.

                            And there's no question in my mind

                 that this Governor is the personification of

                 J. Wellington Wimpy, because debt in this

                 state has risen by almost 40 percent since

                 George Pataki became Governor and told us all

                 we're borrowing too much money.  There

                 couldn't be a better personification of a man

                 who wants to get a hamburger today and wait

                 till Tuesday than the Governor of this state.

                 And I think for someone who campaigned against

                 increases in public debt to now be offering up

                 budgets, to be giving us messages to spend

                 more public debt, is an outrage and, frankly,

                 a breach of his projection to the people made

                 six or seven years ago.

                            I think that the time has come to





                                                          4162



                 recognize that Tuesday is right around the

                 corner.  The Bluto of bad debt is at our door,

                 Mr. President, and I would suggest there's no

                 Popeye out there.  This is not something, with

                 all due respect to Senator Stafford, where a

                 Popeye is going to show up at our doorstep,

                 down a can of spinach, and the problem will go

                 away.  My guess is that it's about 10 o'clock

                 Monday night, Tuesday is a couple of hours

                 away, and here we are on the doorstep of this

                 enormous problem created by public debt, the

                 problem that the people thought they had

                 solved in 1848, the promise that was made more

                 than a century and a half ago that we continue

                 to breach every single day, Mr. President.

                            I think this bad debt is going to

                 swallow us.  I think it's going to potentially

                 create an enormous problem for us.  I can't

                 continue to borrow money this way.  I know

                 Tuesday will come sooner than we all think.

                 And when it does, this state will be in

                 enormous, enormous trouble.

                            I will vote no, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Duane, do you rise to further torture the





                                                          4163



                 Popeye metaphor?

                            (Laughter.)

                            SENATOR DUANE:    Through you, Mr.

                 President, I was rarely allowed to watch

                 television growing up, so I missed a lot of

                 those shows.  Only "Leave It to Beaver" and

                 "Donna Reed," I think.

                            But on point, New York State has

                 nearly $40 billion in debt, of which the

                 voters have only approved about $4 million of

                 that debt.  The rest of that debt has come

                 through a group of authorities -- the

                 Dormitory Authority, the Empire State

                 Development Corporation, the State of New York

                 Mortgage Agency, Housing Finance Agency,

                 Battery Park City Authority, Environmental

                 Facilities Corporation, Long Island Power

                 Authority, and the Energy Research and

                 Development Authority.  There might even be

                 more than that, but those are the ones that

                 I -- I can't say I have a tremendous amount of

                 knowledge about them, but I have some

                 knowledge of them.  I'm not sure that most

                 people in the state have very much knowledge

                 about these authorities.





                                                          4164



                            I recently went to my first meeting

                 of the PACB board, the Public Authorities

                 Control Board, where the other billions of

                 dollars are approved.  And we did spend a lot

                 of time earlier today discussing the

                 terribleness of three people in a room doing

                 our year-by-year budget.  But in fact, we have

                 vested the power to put our state $36 billion

                 into debt in just the hands of three people in

                 a room.  In a meeting that took about 15

                 minutes, and probably would be shorter if I

                 hasn't asked some questions, billions of

                 dollars -- or maybe not billions of dollars

                 yesterday, but certainly tens of millions of

                 dollars were decided on.  There was very

                 little detail given out about what the

                 projects were.  No minutes were taken of what

                 was happening at the meeting.  There's no tape

                 recording of what goes on there.

                            When I asked for addresses of some

                 of the companies that were getting funding

                 through the Empire State Development

                 Corporation, there was a lot of shuffling of

                 paper.  There were a lot of "I'll get back to

                 you with that."  And we were talking about





                                                          4165



                 giving them millions and millions of dollars

                 allegedly for job retention and job creation.

                 CBS was on the list, tire companies, chemical

                 companies.  And some small businesses were on

                 the list as well.

                            I went on to ask how it is that we

                 measured whether or not they had actually done

                 their job retention or whether they created

                 jobs.  And unfortunately, I would have

                 thought, by the way, that minutes of the

                 meetings from three years ago would have been

                 put on the table and then reports on how the

                 companies had fulfilled their obligations on

                 job retention and job creation would have been

                 put on the table.  But they didn't have that

                 information.  After a lot of sort of

                 harrumphing, I was told that I would be

                 provided with that information when reports

                 were done.  Although it remains to be seen

                 whether I'll actually get to see those

                 reports, but hope springs eternal.

                            But three men in a room -- the

                 minority parties of the legislative bodies

                 don't get a vote.  We can sit at the table,

                 but we're not allowed to vote -- make a





                                                          4166



                 decision about approximately $36 billion in

                 debt to the State of New York.  Mind-boggling.

                            The Constitution of the State of

                 New York envisioned that the voters of the

                 State of New York would be approving what our

                 debt would be, and they approved approximately

                 $4 billion of that $40 billion.  And sadly,

                 the millions of people who live in the State

                 of New York approved $4 billion, and three

                 people approved $36 billion.  There's

                 something terribly wrong with this picture.

                            I'm not claiming that each and

                 every job-retention program is terrible or

                 that every program that says that it will

                 create jobs is terrible.  I'm not saying that

                 using bond money to provide for clean water

                 around the state is a terrible thing.  I mean,

                 that's what the Environmental Facilities

                 Corporation does.  But I have to tell you, the

                 things that I saw in that one meeting and the

                 things that I've seen in the past are,

                 frankly, irresponsible and are really

                 mortgaging the future of our state.

                            To saddle the people of the State

                 of New York, and particularly the young people





                                                          4167



                 of the State of New York with this crushing

                 debt is just unconscionable.

                            Before I came here -- and I know it

                 was another administration, and I'm certainly

                 holding them accountable -- I think we like

                 sold the prisons to the Thruway or something

                 like that at one point.  Nothing as terrible

                 as that happened yesterday.  However, the

                 exact same system that allowed the state to

                 sell the state's prisons to the Thruway

                 Authority remains in place.  I can't imagine

                 that the framers of the Constitution and the

                 voters who approved it ever imagined that

                 there would be that kind of abuse or, frankly,

                 the kind of abuse that allows three men in a

                 room to give away millions and millions of

                 dollars without even on the spot knowing what

                 the address of the company is or what they do

                 and what they want to use the money for.

                            These are difficult economic times

                 still in the State of New York.  Our economy

                 is still not as diversified as it should be.

                 We may or may not be in for a very bad

                 economic time.  And I've been through a few of

                 them already.  I was working in the stock





                                                          4168



                 market in 1987, and I can tell you that was a

                 very bad time.  I don't know what the future

                 holds.  But whether times are going to be good

                 or times are going to be bad, $36 billion of

                 debt that's been approved by three men in a

                 room cannot be a fiscally responsible thing to

                 do.

                            I'm going to continue to serve on

                 the board, even though I don't have a vote, in

                 the hope that I can continue to bring

                 information to this body on what's really

                 going on there.  Because we're talking about

                 the people's money.  We would have lots more

                 money to spend on programs which help people

                 if we weren't saddled every year with paying

                 back interest and occasionally principal on

                 enormous debt.

                            So once again, I find myself faced

                 with a very difficult situation here on the

                 floor.  Earlier today I had to vote on a

                 budget which contained really horrible things

                 in it -- some good things, but some terrible

                 things; it was just a continuation of last

                 year's budget -- when I think our time would

                 have been better spent working on the 2002





                                                          4169



                 budget.  If we'd started working on that right

                 as this session began, we would be there.

                 We're not.  It's embarrassing.  I mean,

                 fortunately, or to our credit, we're still

                 here.  I hear from our side of the aisle that

                 people would be willing to stay here and get

                 the budget done.  Our colleague in the

                 Assembly on both sides of the aisle saw fit to

                 go home, I think that's a disgrace, without

                 even working on the 2002 budget.

                            So even though protections for

                 people I care about very deeply, loft tenants,

                 was in that, I voted against it because I

                 thought it was an outrage.  And now I'm being

                 faced with another outrage.  Billions and

                 billions and billions of dollars in debt that

                 we are just going to let go through,

                 $36 billion of that approved by three men in a

                 room.  The people on this side of the aisle,

                 on one side of the aisle in the Assembly had

                 no voice in that how that $36 billion gets

                 spent.  We're going to vote on that today.

                            We're going to continue to saddle

                 New Yorkers with debt.  I realize that we have

                 to pay our bills.  We don't want to default on





                                                          4170



                 this debt.  We've boxed ourselves into a

                 corner.  It's financially irresponsible, but

                 there's nothing else we can do about it.  It's

                 going to be a tough decision for me to decide

                 how to vote on this, because I got to tell

                 you, it's really -- fiscally, it's just -

                 it's terrible, it's an outrage, it's

                 embarrassing.

                            It really hurts us when we go to

                 the market to try to float our bonds.  We

                 really set the standard for irresponsibility

                 in terms of the level of debt which we have

                 foisted upon the people of the State of

                 New York.  And not a lot of us -- I mean, many

                 of us -- and I don't want to guess what the

                 median age is in here, but for people younger

                 than the median age of the people in this

                 body, that's where the burden is to have to

                 pay off all this debt.

                            That we don't consider paying as

                 you go for a lot of things that aren't going

                 to last for the term of the debt that we're

                 putting out there is just completely wrong.

                 If a corporation did that, the shareholders

                 would revolt.  I don't know why New Yorkers





                                                          4171



                 not only are not revolted by the way we deal

                 with debt in this state but don't revolt

                 against it.

                            You know, once again, I find

                 myself -- I mean, you understand how I feel.

                 This is incredibly frustrating.  $40 billion

                 in debt, the voters approved about $4 billion

                 of that.  The other $36 billion, three men in

                 a room.  And we are mortgaging our future and

                 the future of this state that way.  Shame on

                 us.

                            ACTING PRESIDENT MEIER:    Any

                 other member wish to be heard on the bill?

                            Senator Stachowski.

                            SENATOR STACHOWSKI:    If Senator

                 Stafford would yield to a couple of questions.

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield a question?

                            SENATOR STAFFORD:    Always to my

                 colleague Senator Stachowski from Erie.

                            ACTING PRESIDENT MEIER:    The

                 Senator yields.

                            SENATOR STACHOWSKI:    Well, first,

                 like to revisit a question that Senator





                                                          4172



                 Stavisky asked and just ask for a little more

                 explanation, because I got confused by the

                 answer.  And the question she asked was why

                 would we be borrowing money to buy cars now,

                 and the answer was that -- how can we do that,

                 and the answer was that it's from a previous

                 budget.

                            But my question was, would it be in

                 this year's budget?  Because if it's in a past

                 budget, why wouldn't we just pay for the cars

                 with money we have since we have a surplus?

                 Why would we be borrowing money that we'd

                 paying for the next seven years for cars that

                 we had in last year's budget?  That part I

                 didn't understand.  Maybe you can explain

                 that.

                            SENATOR STAFFORD:    Mr. President,

                 I want to compliment Senator Stachowski

                 because he got right to the heart of the

                 issue.  And he's the one who usually says,

                 like me -- well, anyway, we're -- we're -

                            SENATOR STACHOWSKI:    Simple guys.

                            SENATOR STAFFORD:    We're the

                 same.

                            You know, it's a balance.  It's a





                                                          4173



                 balance.  Now, when I was growing up -- some

                 debate whether that has ever happened.  But

                 anyway, I was told, you know, you pay for

                 things and you don't charge them.  And I can

                 actually remember when people didn't have

                 mortgages.  I can remember that.

                 Unfortunately, I am not one of them.

                            And it's a balance.  You I think

                 will have to agree that it is an accepted

                 principle that you can have an asset and you

                 can spread out the payment and it makes it

                 possible to have that asset when you might not

                 be able to pay for it in full.

                            Now, you will find that that's very

                 much part of our economy nowadays.  And it is

                 of course not good, like anything, if things

                 are overdone.  But on the other hand, I think

                 you'll find that what we have done here is

                 acceptable and prudent.  And what we have done

                 is taken assets, whether it's equipment, real

                 estate, and have spread out the payments.

                            SENATOR STACHOWSKI:    Thank you,

                 Senator.  I can remember my father didn't have

                 a credit card till he was about 70 because a

                 lot of the trips he would go on, the hotels





                                                          4174



                 wanted a credit card when you checked in.

                            SENATOR STAFFORD:    I didn't have

                 one until I was 60.

                            SENATOR STACHOWSKI:    And he would

                 always pay cash.  And even though he had a

                 pocket full of cash, they wanted him to get a

                 credit card.  So when he turned 70, he finally

                 got one.  He gave in to public pressure.  So

                 to speak.

                            But anyway, on the debt reduction

                 and reserve fund, we're putting $500 million

                 there, much of which, my understanding is, to

                 be used for some transportation projects this

                 year.  At least that's what the Governor

                 inferred when he was talking about how he was

                 going to make up for the bond issue going

                 down.

                            And since that money is going to go

                 from there to pay for some highway and road

                 bridges financing, why wouldn't we just take

                 the money from the surplus that he's putting

                 there and just put it into the highway and

                 road bridge trust fund?

                            SENATOR STAFFORD:    Mr. President,

                 we're interested in using more for hard





                                                          4175



                 dollars, there's no question about it.

                            And one other point on credit

                 cards.  I have to point out that I don't know

                 whether any of you read The New Yorker.  We

                 get that upstate.  Does that go into the city?

                 And someone is walking into an office, and

                 they say "I just received my prerejection from

                 my credit card."  So very interesting.

                            SENATOR STACHOWSKI:    Well, back

                 to the question, if the Senator will continue

                 to yield.

                            It's still my understanding that

                 some of the money put into the debt reduction

                 and reserve fund is going to be used for

                 capital projects, mainly highway projects.

                 We're taking money out of the surplus and

                 taking it and instead of just putting it in

                 the budget and spending it, we're putting in

                 the debt reduction and the reserve fund and

                 then we're going to take it out and spend it

                 as highway money.  What is the advantage of

                 doing it that way as opposed to just putting

                 it into the dedicated highway and road fund

                 and have the projects named?

                            SENATOR STAFFORD:    Well, it's





                                                          4176



                 actually for projects in the future.  And from

                 what I can see -- and again, looking at it

                 very simply, I don't really that see that much

                 of a difference myself.

                            SENATOR STACHOWSKI:    Thank you,

                 Senator.  And I don't mean to stay on one

                 thing too long or beat a dead horse, et

                 cetera, but is there -- let me rephrase that

                 part, since I think I understand part of your

                 answer, but I'd like to get a little other

                 part.

                            And that would be, is there any

                 advantage, if the Senator will still yield, to

                 putting the money in a debt -

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    I will.

                            SENATOR STACHOWSKI:    -- reduction

                 and reserve fund rather than just putting it

                 directly into the transportation area where it

                 could be spent in the future anyway?

                            SENATOR STAFFORD:    It just gives

                 us a choice of how we would do it in the

                 future.  It's there for the future if we

                 needed it.  We don't have the projects exactly





                                                          4177



                 pinpointed.  And when we do, the funds will be

                 there.  You could call it a small rainy day

                 fund.

                            SENATOR STACHOWSKI:    Thank you.

                 The majority of the capital projects are going

                 to be financed through that fund.  Is it going

                 to be only for -- the money we're going to use

                 out of that for capital projects?  Let me

                 be -- if the Senator would continue to yield,

                 which I was a little premature in just

                 assuming you would.

                            SENATOR STAFFORD:    Yes.

                            SENATOR STACHOWSKI:    I have to

                 ask, though, because I don't want the Acting

                 President to jump up and hit the gavel on me.

                            So if you would, the money we're

                 putting in that fund and we're going to do

                 capital projects, are they going to be only

                 transportation or might we use some of that

                 money for some other capital projects?

                            SENATOR STAFFORD:    I've

                 received -- I'm getting a very -- there's a -

                 the answer here, it gives us some leeway.  And

                 it's expected this will be for transportation.

                            But to answer your question





                                                          4178



                 directly, there is a possibility that it would

                 be used for other capital projects.

                 Possibility, can be, same thing.

                            SENATOR STACHOWSKI:    If the

                 Senator would continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STAFFORD:    Right.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford yields.

                            SENATOR STACHOWSKI:    Have the

                 overall debt service disbursement levels

                 behind these budget appropriations been

                 changed through the negotiations this year, if

                 there have been any?  Or is this strictly

                 still the Executive projections?

                            SENATOR STAFFORD:    It's more than

                 enough to cover the Executive projections.

                 And we have it there, as I say, so it will be

                 available for what is necessary.

                            SENATOR STACHOWSKI:    If the

                 Senator would continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield?

                            SENATOR STAFFORD:    Yes.





                                                          4179



                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR STACHOWSKI:    Can we

                 assume, then, since there is more than enough

                 to do that, there would still be a possibility

                 that either the amount there or some of the

                 projections could change as we go further down

                 the road in the budget process?

                            SENATOR STAFFORD:    Mr. President.

                 Senator Stachowski has done his homework.

                            Yes.

                            SENATOR STACHOWSKI:    Thank you.

                            On another area where we spoke

                 earlier about, where we have appropriations in

                 certain funds, as Senator Stavisky mentioned

                 the distressed hospital fund, and we have what

                 we call dry appropriations or zero

                 disbursements, is there a reason why we need

                 to have -- I can understand the hospital part,

                 because we have it in case we need it.  But

                 say, for example, in the general obligation

                 serial bond redemption.  And if the Senator

                 would yield, I will ask him a question on it.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, I believe there's a question on the





                                                          4180



                 way.  Will you yield?

                            SENATOR STAFFORD:    Yes.

                            SENATOR STACHOWSKI:    There's a

                 question coming.

                            ACTING PRESIDENT MEIER:    He

                 yields.

                            SENATOR STACHOWSKI:    In the

                 general obligation serial bond area, there's

                 $225 million.  And in payments of federal

                 arbitrage rebates, there's $15 million.  Both

                 of those have zero disbursements.  Is there

                 the potential for that much need, or do we

                 just have that much money there?

                            SENATOR STAFFORD:    Mr. President,

                 there's always the potential.  And Senator

                 Stachowski is also getting to the heart of

                 what some of us like to say here's how much

                 money there is, here's what we're spending,

                 here's what we left over.

                            The budgeting process, my friends,

                 gets very complex.  And when they start -- we,

                 not they, we start talking about dry

                 appropriations and money won't be spent and we

                 have this included but this is not hard

                 dollars, to try to explain that, I go back to





                                                          4181



                 my very simple explanation that I suggested

                 yesterday about budgeting.  And remember, you

                 and I always have simple explanations.

                            SENATOR STACHOWSKI:    Absolutely.

                            SENATOR STAFFORD:    You can't

                 always be sure exactly what is going to be

                 needed.  Therefore, you construct the budget

                 in a certain way so that you allow for

                 contingencies and funds are there if

                 necessary.

                            To answer your question, that money

                 can be spent and it -- there's a potential for

                 any money to be disbursed that's in the

                 budget.  Because remember, as I've explained

                 here, we're appropriating when we pass these

                 legislative bills.

                            SENATOR STACHOWSKI:    Every so

                 often during the course of some of these long

                 debates, and if someone makes an exceptional

                 presentation, as I believe part of the things

                 that Senator Connor's -- they stood out to me.

                 And I thought the speech he made was very,

                 very well done and thought out.

                            SENATOR STAFFORD:    What about

                 mine?





                                                          4182



                            SENATOR STACHOWSKI:    Your answers

                 are always good.  I don't mind you

                 interjecting.  And I -- again, as Senator

                 Connor has thanked you, I always try to thank

                 you at the end of each bill for your courtesy

                 and your patience in dealing with all the

                 various questions that come from all the

                 various members, even when -- you try to stay

                 patient even when maybe we stray from the bill

                 that we're currently on, and you just try to

                 calmly bring us back to the bill we're on and

                 remind us we can't ask you questions, or

                 you -- we can ask, but you can't necessarily

                 answer questions about a bill that we're not

                 currently on.  So I wanted to thank you myself

                 for that.

                            But in Senator Connor's

                 presentation, and we talked about how the debt

                 has grown, and he referred to the fact that

                 how people look to the black days of the Cuomo

                 administration, but the debt has grown

                 considerably since then.

                            And that being said, you know, the

                 Governor took great pride this year in saying

                 we got a debt credit rating increase from one





                                                          4183



                 of the raters.  However, from Moody's, we

                 didn't get any increase.  And I was just

                 curious, why do you think that Standard &

                 Poor's would give us a two-level increase and

                 Moody's would give us no increase, and would

                 you have an answer to that question?  I don't

                 know.  I'm curious myself.  And that's really

                 why I'm asking.

                            SENATOR STAFFORD:    Mr. President,

                 I would suggest Standard & Poor's is right and

                 would hope Moody's could get the right

                 information.

                            (Laughter.)

                            SENATOR STACHOWSKI:    If the

                 Senator would continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you continue to yield?

                            SENATOR STACHOWSKI:    As much as I

                 enjoyed that, is there possibly a real answer

                 to that, or we don't know?

                            SENATOR STAFFORD:    Well, I will

                 always try to answer Senator Stachowski.  You

                 know, you and I, when it comes to any subject,

                 including this, we always know enough -- it's

                 like I was in school, I just sometimes





                                                          4184



                 couldn't think of it.

                            But I suppose they looked at the

                 information they had.

                            On a serious note, you have to

                 understand that professionals use their

                 judgment.  I would point out that five years

                 of surpluses and the reserves we built up are

                 commendable, and Standard & Poor's took that

                 under consideration.  And of course I can't

                 speak for anyone when they make professional

                 decisions.

                            SENATOR STACHOWSKI:    Thank you,

                 Senator.  If the Senator would yield, I've got

                 a -

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    He

                 yields.

                            SENATOR STACHOWSKI:    I don't know

                 if you can answer this question or not, but

                 I'm going to pose it to you anyway.  And it

                 would be more of a -- I don't know, you would

                 be guessing why or maybe thinking why.  Either

                 way, yes or no, you would be projecting what





                                                          4185



                 you believed this person's reason would be.

                            But in the Governor's reform

                 package on borrowing and debt reform, he

                 outlaws or eliminates the use of caps.  And

                 you would think that if he was going to put

                 that forward -- and we in the Senate supported

                 his package last year -- that it would have

                 been a good gesture on his part or a good

                 practice on his part not to come right back

                 the following year in the budget and use caps

                 anyway to pay for a lot of the things in the

                 budget.  If you were trying to convince the

                 other house that we should eliminate these and

                 yet you continue to use them, how do you make

                 an argument that then maybe, you know, you're

                 not being sincere or -- I'm just saying what

                 the other house would think would think when

                 they see that he's still using them even after

                 he put them in his reform package, and he was

                 saying that I'm really serious about this

                 reform package, and obviously we were agreeing

                 with him, because we voted for that reform

                 package which would have eliminated the use of

                 those, and yet here they are again this year

                 in the debt service package, the -- another





                                                          4186



                 bundle of the use of those.

                            So would you think that he's just

                 using them because they're there, or do you

                 think it would have been a good idea if he

                 would have not used them this year because

                 he's trying to show in good faith to the

                 Assembly that he was really serious about his

                 debt reform package?

                            SENATOR STAFFORD:    Well, I see

                 what Senator Stachowski is driving at.  I

                 understand.  So I'm going to try to give you

                 my opinion, my analysis.  And I will try to,

                 as I often say, make a broad stroke with a

                 conceptual brush, and do it very, very

                 quickly.

                            But we go back to where we were six

                 years ago, and we went into or came into -

                 yeah, went into 1995 with a $5 billion

                 deficit.  And we have now ended up that we do

                 have a surplus.  I would remind everyone that

                 last year -- and I won't read them all off

                 here.  We have them here.  But we remember

                 what we did last year when we passed the debt

                 reform bill here in this house, which was

                 passed by the Assembly and was signed into





                                                          4187



                 law.  We've come a long, long way.

                            And let me say this about this

                 package.  It's very easy for any of us, any of

                 us to stand up and criticize debt and compare

                 New York with other states, with other

                 entities.  And I would suggest to you that

                 New York is the Empire State, it's different

                 than any state to live in, it's the best state

                 to live in.  We did have some major, major

                 problems six years ago.  They have been

                 corrected.

                            But that's why we have the tourism

                 in New York.  That's why it's -- it is the

                 capital of world.  And I think sometimes we

                 forget that.  It has the best city in the

                 world, as I've mentioned, with more than

                 5 million people.  It's 8 million now, but we

                 have to watch the upstate cities, of course.

                            But you hear what I'm saying.  And

                 we have to continue to be prudent, we have to

                 be careful.  But I think we can't stand up -

                 and I won't use the word "demagoguery,"

                 because that's too strong a word.  But we also

                 have to be reasonable when we look at our

                 overall picture.  We are moving in the right





                                                          4188



                 direction, thanks to Governor Pataki, thanks

                 to the Legislature.  And I would want none of

                 us to leave today without having a bright

                 opinion, a bright outlook about our state.

                            And I think you know what I'm

                 driving at.

                            SENATOR STACHOWSKI:    Thank you,

                 Senator.  I just want to make a brief

                 statement on the bill.

                            ACTING PRESIDENT MEIER:    Senator

                 Stachowski, on the bill.

                            SENATOR STACHOWSKI:    Just

                 briefly, if I were cynical -- and I'm going to

                 try not to be -- I would say, well, we were

                 $5 billion in the hole in that dark period,

                 and now we're $10 billion in debt with the

                 surplus.  I don't know that these coincide,

                 but -- it's just coincidental, but those are

                 numbers.

                            I know we have to pay our debts.  I

                 am disappointed -- and I don't say that the

                 Governor himself does his whole budget

                 package.  But you'd think the people putting

                 it together for him would be aware that he

                 just proposed a law to say get rid of a





                                                          4189



                 certain practice, and then they come right

                 back and use it.  And it's a practice that,

                 when you're in a surplus situation, you may

                 not have to be using.

                            So I get baffled by things like

                 that.  And that's just me.  And maybe I'm only

                 used to doing small economics.  I'm not a

                 business guy, I just try to take care of my

                 own money, the little that I have.  And I

                 don't even do so well at that.  But I know how

                 to count and watch other people's money.  And

                 it's kind of like some of the sports I

                 participate in.  I love to play golf, I'm

                 terrible at it, but I can see what somebody

                 else is doing wrong, because I have a good eye

                 for somebody's else's athletic stuff.  That

                 just happens.

                            But in this one, I'm not sure.  I

                 think Senator Connor made a lot of good

                 points.  There are some reasons to be

                 concerned.  However, there is debt here that

                 we have to pay.  I'm not sure yet how I'm

                 going to vote, because there might be a couple

                 more people that want to speak on this.

                            But I thank again Senator Stafford





                                                          4190



                 for his courtesy and his patience and his

                 effort to try to answer as best as he could

                 and with the help of his staff, who is also

                 very patient, and changing places and moving

                 back and forth and helping us to get the

                 answers we were looking for on this bill,

                 especially when everybody is trying to find

                 out as much as they can about this piece of

                 legislation.

                            Thank you.

                            ACTING PRESIDENT MEIER:    Senator

                 Hassell-Thompson.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you, Mr. President, just -

                            ACTING PRESIDENT MEIER:    Senator

                 Hassell-Thompson, if you'd just suffer an

                 interruption, the desk has a list going, as

                 was the practice.  So if you'd like to be on

                 the list, please let the desk know.

                            SENATOR HASSELL-THOMPSON:    I just

                 have one question which got lost in the

                 shuffling of paper.  If you'll indulge me one

                 moment.

                            Thank you.  Senator, will you

                 yield?





                                                          4191



                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield?

                            SENATOR STAFFORD:    Yes.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford yields.

                            SENATOR HASSELL-THOMPSON:    It's a

                 two-part question, through you, Mr. President.

                            Will we be revisiting this state

                 debt service during the final budget

                 negotiations?  That's Part A.  And if so, will

                 we be acting on a B print of this bill later

                 in the spring?

                            SENATOR STAFFORD:    It won't be in

                 the budget bills per se, Mr. President.  But

                 we can amend this bill.  And through the

                 years, Mr. President, I've never seen a bill

                 that couldn't be amended.  And the field we're

                 working in, I certainly would not be shocked

                 or surprised, you know, if there were

                 amendments due to the complexities.

                            SENATOR HASSELL-THOMPSON:    Thank

                 you, Senator.  Thank you, Mr. President.

                 Thank you, Senator.

                            On the bill.

                            ACTING PRESIDENT MEIER:    Senator





                                                          4192



                 Hassell-Thompson, on the bill.

                            SENATOR HASSELL-THOMPSON:    After

                 having come from a city whose budget was just

                 so small by comparison, to say that's this is

                 not an overwhelming experience for me would be

                 a lie.

                            But the thing that overwhelms me is

                 not the numbers, and it's not the issues.  The

                 thing that overwhelms me continually is that

                 we establish increases in our debt and we

                 consider ourselves to be -- this house has

                 always been considered as the most fiscally

                 conservative, and yet we have gone way over

                 the top and we don't see a problem with the

                 fact that New York State, albeit that it is

                 the Empire State, that it is one of the most

                 marvelous states in the world -- it's the

                 state I was born in, the state I will die in,

                 hope to be buried in.  It has all of the

                 positive attributes.

                            But it does not -- the parallel to

                 that is not that we have to be the greatest

                 expenders in the world.  Particularly because,

                 as we look at the Constitution, which the

                 voters assume that the debt in which this





                                                          4193



                 state is incurring, that they have a real

                 participatory role.  And if less than

                 10 percent of this debt is being voted on by

                 taxpayers, it just amazes me that we don't

                 have concern that we are doing something that

                 I perceive to be very duplicitous.  And so I

                 just have to say that.

                            I too, like my colleagues, will

                 probably be forced to vote on the continuance

                 of this debt, and so I will be as guilty in

                 the participation of this duplicity as anybody

                 else.  But I certainly hope that for the years

                 I plan to stay here -- and I plan to be

                 here -- that we will do a much better job in

                 terms of how we overhaul and how we really

                 review those items that we perceive to be

                 capital projects versus those things that we

                 just want to put in because they make us feel

                 good.

                            These are not all capital items.

                 And for us to be incurring this kind of debt

                 predicated on that is somewhat unconscionable.

                 But in the last couple of days, we've done

                 some other unconscionable things, so we'll

                 just add this one to our list.





                                                          4194



                            Thank you, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Hevesi.

                            SENATOR HEVESI:    Thank you, Mr.

                 President.  Would the sponsor yield, please.

                            ACTING PRESIDENT MEIER:    Senator

                 Stafford, do you yield to a question from

                 Senator Hevesi?

                            SENATOR STAFFORD:    I won't get on

                 the phone anymore, I apologize.

                            SENATOR HEVESI:    That's okay.

                            Mr. President, I was wondering if

                 the sponsor would be able to tell us whether

                 or not there is some kind of legal requirement

                 that would obligate the state or any public

                 authority operating within the state to

                 refinance any outstanding debt at favorable

                 interest rates in light of the fact that we

                 are now seeing a lowering of interest rates

                 because of the national economic climate.

                            SENATOR STAFFORD:    Mr. President,

                 there's a good question, and it's something

                 that is often done.  We do that periodically.

                 And I think the point is very well taken.

                            As far as any legal requirement, I





                                                          4195



                 don't know of any.

                            SENATOR HEVESI:    Thank you.

                            Mr. President, on the bill.

                            ACTING PRESIDENT MEIER:    Senator

                 Hevesi, on the bill.

                            SENATOR HEVESI:    Thank you, Mr.

                 President.  I think that gives us a decent

                 jumping-off point for the comments that I want

                 it make here today.

                            First of all, I believe that there

                 should be, on this particular issue, a

                 requirement that wherever possible, whenever

                 possible -- and probably the way to do this is

                 to set in statute a particular amount of time,

                 irrespective of the economic climate and

                 irrespective of the trend with which interest

                 rates are moving -- that anyone who is

                 involved with the issuance of debt must do a

                 review and analysis and attempt to refinance

                 that debt at favorable rates.

                            And by the way, you can do bad

                 refinancing also.  And that reminds me a few

                 years back, the mayor of New York City tried

                 to do some bond refinancings to provide cash

                 infusion that would have extended the length





                                                          4196



                 of the debt, the life of the debt.  Even

                 though it would have been at a more favorable

                 rate, the end product being that the total

                 amount of interest that the City of New York

                 would have wound up paying on that debt would

                 be millions of dollars more than what it was

                 going to pay based on the original debt

                 issuance.

                            So you got to be really careful in

                 the way you do this.  But particularly in

                 light of the fact that now, because of our

                 national economic climate, the Federal Reserve

                 is under tremendous pressure to drop interest

                 rates, stimulate the economy and Wall Street,

                 that with that trend, it would be nice to have

                 the confidence in those issuing debt that they

                 would naturally take advantage of a favorable

                 market climate in order to go and do this.

                 But I don't have really the confidence in

                 these authorities or in the State of New York

                 just to do that without some kind of

                 institutional incentive.  And so I really

                 think that we need to take a look in terms of

                 requiring them to do that.

                            On the broader issue, I honestly do





                                                          4197



                 not know how I'm going to vote on this bill.

                 I walked into the chamber today fully

                 intending to vote on this bill, and now I have

                 some major question marks in my mind.  And I'm

                 not trying to be melodramatic here, I really

                 don't know how I'm going to vote on this bill.

                            And most of the reason for that is

                 because of what Senator Connor spoke about.  I

                 think all of us here duly recognize that we've

                 got a tremendous, tremendous problem with the

                 way we are proceeding with our financing in

                 the State of New York.  That in and of itself

                 gives real pause.  But the state nonetheless

                 has the obligations to meet, irrespective of

                 the trend and the policies that we have set

                 out, even if those policies are not in the

                 best interests of the state.

                            What Senator Connor was talking

                 about this morning was a violation of some

                 fundamental principles in how you should do

                 public financing.  And as I was listening to

                 him -- Senator Connor, that is -- I started

                 remembering back to the public finance courses

                 that I took in graduate school and some of the

                 fundamental rules that existed in terms of how





                                                          4198



                 you handle situations such as the ones that

                 we're confronted with now.

                            It's interesting to note, one of

                 the professors that I had was an expert in

                 bailing out municipalities and states that got

                 into trouble, major trouble, such as Newark,

                 New Jersey, New York City in the mid 1970s.

                 And this individual was therefore an expert in

                 not only how to get municipalities and other

                 municipal governmental entities out of hose

                 difficulties but, more importantly for our

                 purposes here, how to avoid getting into those

                 difficulties in the first place.

                            And the one fact, the one statistic

                 that really stands out here for me, because it

                 doesn't look on its face as if it's that

                 striking, because the numbers are small,

                 because they're expressed in percentages.  But

                 when you examine them and extrapolate the

                 numbers out, you'll see how significant it is.

                 It is the statistic that since the early

                 1980s, the overall share of the state budget

                 that's spent on debt service has increased

                 from 3 percent to 5 percent.  Okay, that is

                 tremendous.  That is tremendous.





                                                          4199



                            And a trend upwards at all -

                 remember, we're not talking about the

                 aggregate numbers.  You can hold your

                 percentages constant and your aggregate

                 numbers will increase because the size of the

                 government, the size of your revenue stream is

                 going to increase.  The 3 percent to 5 percent

                 jump is extraordinary.  It's billions and

                 billions of dollars.

                            And to really break it down for us

                 in terms of why this is such a problem, it

                 means simply this.  There is less amount of

                 the pie as disposable revenue to spend on the

                 state's most pressing needs.  Because the way

                 I see it, the way I see it, the debt service

                 portion, what we're doing to be voting on

                 today, it's not discretionary at all.  We are

                 looked into that.  The decisions that we make

                 on how we finance our projects in this state,

                 we're locked into.  Everything else is

                 discretionary.

                            So debt service is the equivalent

                 for an individual as paying their mortgage.

                 You don't have a choice.  And so the more your

                 mortgage costs or your rent or your car





                                                          4200



                 payment, the absolute essentials, the more

                 those costs increase, if your total income

                 stays the same or increases slightly,

                 everything else gets squeezed.

                            And that squeezing are the things

                 that we need to help the taxpayers of the

                 State of New York in their daily lives.  We're

                 talking about education and all the other

                 things that are vitally important.

                            So we're in a really bad situation

                 here.  And the one lesson that this professor

                 continually imparted to us as students in his

                 graduate public policy course was wherever you

                 possibly can, you do pay-as-you-go capital,

                 pay-as-you-go capital financing.  It means you

                 don't go and borrow, wherever you can,

                 wherever you can, you go and pay for it.  And

                 we're not doing that.

                            And Senator Connor pointed out in

                 his comments earlier that there is new

                 borrowing in here that does not fit any of the

                 real qualitative, structural integrity

                 parameters of how you do debt borrowing.  And

                 what was he talking about?  He was talking

                 about the fact that we're borrowing money to





                                                          4201



                 pay for computers and we're borrowing money to

                 pay for vehicles with a seven-year time period

                 where we're going to be paying -- I believe

                 the number Senator Connor indicated was

                 $3.9 million in interest on a debt load of

                 $24 million.

                            It's just -- it's stupid.  I don't

                 know how else to categorize that.  It's

                 really, really dumb.  Notwithstanding the fact

                 that it seems that -

                            ACTING PRESIDENT MEIER:    Excuse

                 me, Senator Hevesi.

                            Senator Skelos.

                            SENATOR SKELOS:    Mr. President,

                 pursuant to Rule IX, Section 3-D, I believe

                 the two-hour limit on debate has expired.  I

                 move that we close debate at this time.

                            ACTING PRESIDENT MEIER:    All

                 those in favor of closing debate signify by

                 saying aye.

                            SENATOR PATERSON:    Party vote in

                 the negative.

                            SENATOR SKELOS:    Party vote in

                 the affirmative.

                            ACTING PRESIDENT MEIER:    The





                                                          4202



                 Secretary will call the roll.

                            (The Secretary called the roll.)

                            THE SECRETARY:    Ayes, 23.  Nays,

                 34.  Party vote.

                            ACTING PRESIDENT MEIER:    Debate

                 is closed.

                            Senator Connor, why do you rise?

                            SENATOR CONNOR:    On the roll

                 call, to explain my vote.

                            ACTING PRESIDENT MEIER:    Read the

                 last section.

                            THE SECRETARY:    Section 1.  This

                 act shall take effect April 1.

                            ACTING PRESIDENT MEIER:    Call the

                 roll.

                            (The Secretary called the roll.)

                            ACTING PRESIDENT MEIER:    Senator

                 Connor, to explain his vote.

                            SENATOR CONNOR:    Thank you, Mr.

                 President.

                            Numbers, numbers, numbers.

                 Certificates of participation, automobiles,

                 $24 million, interest, as Senator Hevesi

                 pointed out, total COPs, 300 million roughly,

                 total interest, $90 million, desks, furniture,





                                                          4203



                 computers, et cetera.

                            Numbers, numbers, numbers.

                 $40 billion in debt, the voters approved

                 $4 billion.  Number that really ought to

                 concern us.  New York State, 18,976,457

                 people.  Tax-supported debt, $37 billion going

                 to $38.5 billion.  New York City, 8,800,278

                 people.  Debt, tax supported, $31 billion.

                 California, 33,871,648 people.  33 million,

                 almost 34 million people in California.  Debt,

                 $21 billion.  New York City, 8 million people,

                 $31 billion in debt.  California, nearly

                 34 million people, $21 million.  New York

                 State, nearly 19 million people, $37 billion.

                            Mr. President, these numbers not

                 only don't make sense, they're very, very

                 dangerous.  I vote no.

                            ACTING PRESIDENT MEIER:    Senator

                 Connor will be recorded in the negative.

                            Senator Paterson.

                            SENATOR PATERSON:    Mr. President,

                 I vote no.  The MTA doesn't even have any

                 people and it ran up as much debt as all but

                 five states on that list.

                            The comment I want to make is





                                                          4204



                 somewhat personal and somewhat reflective of

                 the neighborhood I represent, which is

                 95 percent African-American, Puerto Rican, and

                 Dominican.  It's interesting, but how many

                 times have I had to listen to the radio or

                 read the newspaper and heard people who live

                 in my constituency, or people who look like

                 the people that live in my constituency,

                 blamed for our social services waste, for our

                 welfare waste, for problems related to

                 housing, for the upkeep of neighborhoods, for

                 the high crime rate.

                            And the funny thing is, if you

                 added up all of that money that the public is

                 wasting on these individuals who have been

                 stigmatized by the way we have been portrayed

                 in the media and written about and by word of

                 mouth, it doesn't even achieve a scintilla of

                 the amount of money that Senator Connor

                 pointed out that this state owes.  And so when

                 I start thinking about who is responsible for

                 it, I really don't know too many people of

                 that ilk that are even involved.

                            And it just shows you what the

                 distraction has been and what the value of at





                                                          4205



                 times castigating groups of people has been

                 when our real financial problems, when our

                 real issues, when those who have been duped

                 into thinking that there's some kind of class

                 issue that causes us to have fiscal problems

                 as a state, when they find out what's

                 really -

                            ACTING PRESIDENT MEIER:    Senator

                 Paterson, how do you vote?

                            SENATOR PATERSON:    -- causing the

                 problem, we'd all vote no.

                            Thank you.

                            ACTING PRESIDENT MEIER:    Senator

                 Paterson will be recorded in the negative.

                            Senator Oppenheimer, to explain her

                 vote.

                            SENATOR OPPENHEIMER:    Thank you.

                 I'm not sure I agree with my colleague Senator

                 Hevesi that we should always do pay-as-you-go

                 financing, because I think there's a real need

                 for capital financing for things that go into

                 future generations where I do believe that

                 they should be sharing in the burden of those

                 costs.

                            I have to thank Senator Connor.





                                                          4206



                 Because I did not pick up this certificate of

                 participation.  I did check it off, and I was

                 going to question what it was, but I did not

                 have the background.  I thank him for that

                 background, because it's quite an eye-opener.

                            I was taught, when I was getting

                 my -- I think I said this on the Senate many

                 years ago.  I was taught when I was getting my

                 M.B.A. from Columbia University that there

                 really were 11 Commandments, and the 11th

                 Commandment was "thou shalt not capitalize

                 expense items."

                            And it seems to me that computers

                 and desks and cars are not capital items, they

                 are items that more fall in the line of

                 maintenance.  And therefore I think it is that

                 11th Commandment that we are breaking when we

                 are capitalizing those kind of expenses.

                            I must say that in my own private

                 life, I lead a very conservative financial

                 life, in that I don't believe in debt.  I know

                 governments need debt, because obviously for

                 those big capital projects we have to have

                 debt.  But to think of the inordinate amount

                 of money we are spending on interest when





                                                          4207



                 there are so many needs in this state -

                            ACTING PRESIDENT MEIER:    Senator

                 Oppenheimer, how do you vote?

                            SENATOR OPPENHEIMER:    -- it kind

                 of hurts me to spend that kind of money just

                 on interest.

                            I'll vote yes, because I don't know

                 how else we'll pay for our services.

                            ACTING PRESIDENT MEIER:    Senator

                 Oppenheimer will be recorded in the

                 affirmative.

                            Senator Dollinger, to explain his

                 vote.

                            SENATOR DOLLINGER:    Mr.

                 President, this is a continuation of the

                 borrow-and-spend policies of the Pataki

                 administration.  We're up 39 percent, it's

                 galloping out of control.  I mentioned earlier

                 how it violated the rules that we've become

                 nothing but a Wimpy state.  I made reference

                 to J. Wellington Wimpy.

                            I'd just like to go back to one

                 other cartoon character that provides us with

                 a little sage advice that we ought to be

                 listening to, Mr. President.  Remember Pogo's





                                                          4208



                 comment "We have met the enemy and it is us"?

                 We are the enemy.  We are spending more money,

                 we are putting more money into debt than we

                 should.  We know that the rainy day will come.

                 And when it does, the puny $250 million that

                 the Governor is putting in his debt reduction

                 fund will be gone like that.

                            And lastly, Mr. President, it seems

                 to me that there was a Financial Control Board

                 that we've had to use for New York City when

                 its debt practices got out of control.  We

                 used a Financial Control Board when Nassau

                 County's debt practices got out of control.

                 Who will be on the Financial Control Board for

                 the State of New York?

                            I would suggest to all of my

                 colleagues, we are the Financial Control Board

                 of the State of New York.  And what we are

                 doing by continuing these borrow-and-spend

                 policies is grossly irresponsible.  I will

                 continue to vote no for such irresponsibility.

                 Please count me as a negative.

                            ACTING PRESIDENT MEIER:    Senator

                 Dollinger will be recorded in the negative.

                            Senator Schneiderman, to explain





                                                          4209



                 his vote.

                            SENATOR SCHNEIDERMAN:    I think

                 it's unfortunate that we're here in the late

                 afternoon.  It seems that people are not

                 paying as much attention as they should be

                 paying.

                            Issues have been raised here today

                 that go to the economic future of our state.

                 And I don't think that anyone present can

                 argue that our state is moving in the right

                 direction.  This is not a matter of a few

                 fringe characters yelling out that the sky is

                 falling.  As I mentioned before, this is one

                 of those areas where I and my progressive

                 colleagues find ourselves in agreement and

                 analysis with Change New York.  Someone also

                 just handed me an article from the National

                 Review making the same point about what they

                 call Pataki's obese $70 billion budget with

                 spending spike -- this was a few years ago -

                 and saddling New Yorkers with more debt.

                            So when all across the spectrum

                 responsible fiscal analysts agree that we're

                 headed in the wrong direction, how do we go

                 back to our constituents and say, yeah, we're





                                                          4210



                 doing this, but so what?  We are not going to

                 be able to sustain the services for our

                 constituents, in spite of the great national

                 economic boom of our revenues going up.  It is

                 our fault.  It is our responsibility.

                            We want to have an economic future

                 in this state -- good schools, good

                 transportation, affordable housing.  We are

                 now creating a situation where we're going to

                 have to cut those very keys to long-term

                 economic growth.  This is a disaster looming,

                 and I'm sorry that we're taking the

                 shortsighted view that we are.

                            I ask to be recorded in the

                 negative.  And I urge that after this budget

                 is passed that we really try to address these

                 issues, because this is not a casual or a

                 humorous matter.  Thank you, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Schneiderman will be recorded in the negative.

                            Senator Onorato, to explain his

                 vote.

                            SENATOR ONORATO:    Mr. President,

                 to explain my vote.

                            I had originally intended on voting





                                                          4211



                 for this, because I certainly believe in

                 paying off the debts that we incurred.  But I

                 was completely unaware about the new borrowing

                 that we wanted to do while we have the money

                 available to pay for these current needs.

                            Senator Stachowski was questioning

                 Senator Stafford earlier on about some of the

                 reasons for the borrowing.  And Senator

                 Stafford replied that we have to anticipate

                 unanticipated expenses that we're not sure

                 for, so we're actually even borrowing money

                 but we're not sure whether we need it or not,

                 incurring an additional interest on borrowing

                 money that we're not sure that we need.

                            And also borrowing for money that

                 we have in our pockets, I certainly don't

                 think it's prudent to be borrowing additional

                 funds.  When the real budget presents

                 itself -- and I'm sure that it will be,

                 hopefully, sooner than not later, it will be a

                 responsible budget answering all of the

                 questions that were brought forth here today.

                            I vote no.

                            ACTING PRESIDENT MEIER:    Senator

                 Onorato will be recorded in the negative.





                                                          4212



                            Senator Stavisky, to explain her

                 vote.

                            SENATOR STAVISKY:    To explain my

                 vote, Mr. President.

                            I was appalled by the $102 billion

                 figure that was cited in terms of the debt

                 incurred by the state and the authorities.

                            Secondly, I'm troubled by the item

                 on page 10 of the budget bill which talks

                 about the issuance of certificates of

                 participation.  I remember the New York City

                 fiscal crisis in the late 1970s.  The City of

                 New York got into trouble for doing precisely

                 what you're asking us to do right now.

                            I came in today fully prepared to

                 vote for the budget bill, but after listening

                 to what everyone has said, I wish to be

                 recorded in the negative.

                            ACTING PRESIDENT MEIER:    Senator

                 Stavisky will be recorded in the negative.

                            Senator Hevesi, to explain his

                 vote.

                            SENATOR HEVESI:    Thank you, Mr.

                 President.

                            First, just to clarify, maybe I





                                                          4213



                 wasn't clear before, in reference to Senator

                 Oppenheimer's comments.  You don't pay

                 capital -- pay-as-you-go capital finance for

                 every capital need you have.  You physically

                 cannot do that.  It's not realistic.  But you

                 do it when you're running in a surplus

                 condition and your state-supported long-term

                 borrowing is spiralling incredibly out of

                 control.  That's when you do it.  And so we

                 need to be shifting our priorities.

                            I got cut off by the clock as I was

                 speaking on the bill before.  But the one

                 point I want to make as I'm explaining my vote

                 here is the real problem, as I see it, is

                 we've got to get our public authorities under

                 control.  That's where our real problems are.

                 And the public authorities largely exist so

                 that they circumvent the debt caps.  That's

                 why they're there.  And so it's their

                 borrowing that's really becoming a tremendous,

                 tremendous problem.  The revenue bonds that

                 they float are just creating a situation where

                 there's no end in sight.  And the higher our

                 debt level goes, the more it's going to wind

                 up compromising the fiscal integrity of the





                                                          4214



                 state.  And the more we put ourselves in a

                 position where we're going to not only reduce

                 the available expenditures in our overall

                 budget because the portion of the debt service

                 in the budget keeps growing, we're preventing

                 ourselves from having additional money

                 available to pay for the needs that we have in

                 this state.  It's a tremendous problem.

                            And this is, I believe, largely as

                 a result of the psychology of the politician.

                 And the psychology of the politician is the

                 following.  And I hope I don't run out of time

                 here.  It is that we care -- and this is not

                 what we should, but we care about the next

                 meeting, the next group of constituents that

                 meet, this year's annual budget, what is our

                 immediate priority.  And it's much easier

                 politically to take a very short-term view and

                 do things that are favorable and politically

                 expedient in the short term and that create

                 tremendous problems for us in the long term.

                            It is that approach and that view

                 that we've got to get away from, because it's

                 blowing the state's fiscal condition apart.

                 The fact that we have $10 billion -





                                                          4215



                            ACTING PRESIDENT MEIER:    Senator

                 Hevesi, how do you vote?

                            SENATOR HEVESI:    -- in additional

                 debt since 1994 is the reason why -

                            ACTING PRESIDENT MEIER:    Senator

                 Hevesi -- Senator Hevesi, how do you vote?

                            SENATOR HEVESI:    I'm voting no on

                 this bill, Mr. President, because we're

                 heading in the wrong direction.

                            ACTING PRESIDENT MEIER:    Senator

                 Hevesi will be recorded in the negative.

                            Senator Duane, to explain his vote.

                            SENATOR DUANE:    Mr. President,

                 you're clairvoyant.  I hadn't even put my hand

                 up.

                            ACTING PRESIDENT MEIER:    I

                 thought you had, Senator.  But go ahead.

                            SENATOR DUANE:    I do want to

                 first set the record -- not straight, correct

                 the record and acknowledge that the prisons

                 were sold to the -- what was then called the

                 UDC.  So I'm sorry about that.  But it's the

                 same horrendous policy.

                            I don't really think that -- I

                 think that we need to send a strong message





                                                          4216



                 about this.  I know that in this year's budget

                 the Governor has proposed getting rid of the

                 PACB board, which means then that he would be

                 in control of really what all these funding,

                 bonding sources are.  But that doesn't negate

                 all of the bad policies that brought us to

                 this horrendous debt situation we were in

                 before.  We'll still have to be paying the

                 debt by the three men in the room of the PACB.

                 And it's wrong for us to mortgage the future

                 of our -- of the people of the State of New

                 York.

                            Maybe it would be better to give

                 the Governor that authority so that from this

                 moment on, we would know who was responsible.

                 But we're still going to pay the price for a

                 long time to come for the largesse given by

                 three men in a room.

                            And I'm going to vote no on this,

                 Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Duane will be recorded in the negative.

                            Senator Montgomery, to explain her

                 vote.

                            SENATOR MONTGOMERY:    Yes, Mr.





                                                          4217



                 President.

                            About my second term in office, one

                 of the authorities, the Port Authority

                 proposed a $20 million project in my district

                 which was then in Red Hook, and it was to move

                 the Fish Market to Brooklyn, create jobs.

                 Everybody got very excited.  We had meetings

                 and we had hearings and the Authority came

                 many times and talked about how wonderful this

                 would be.  And the bottom line, it never

                 happened.  And that was $20 million, poof,

                 gone, no jobs, no fulfillment of the promise.

                            And I'm sure that is just one

                 example of many.  The Battery Park City and

                 its promise to be responsible for having

                 affordable housing built in the city, nothing

                 has come out of that, or very, very little.

                            So the question about what happens

                 with the authorities I think is an excellent

                 one and certainly we need to be looking at

                 that.

                            I want to thank the Minority

                 Leader, Senator Connor, for giving such an

                 illuminating and brilliant presentation.  I

                 certainly had every intention of voting yes on





                                                          4218



                 this debt service bill, but after having

                 listened to him and understanding much more

                 fully what this means and the problems and the

                 pitfalls, I'm going to be voting no on this

                 legislation because I think the taxpayers of

                 the State of New York, we owe the taxpayers

                 much more as it relates to being responsible

                 and accountable for what happens to those

                 dollars that are raised and that debt service

                 that is created by those dollars and for the

                 project that we supposedly are raising that

                 money for.

                            So I'm voting no.

                            ACTING PRESIDENT MEIER:    Senator

                 Montgomery will be recorded in the negative.

                            Senator Breslin, to explain his

                 vote.

                            SENATOR BRESLIN:    Thank you, Mr.

                 President, briefly.

                            I join my colleagues in urging all

                 of us to vote no.  $10 billion in increased

                 debt since 1994.  $10 billion.  And that at

                 the same time we have surpluses that we can

                 use, surpluses that we are hiding.  It's time

                 to be accountable.  It's time to look to the





                                                          4219



                 people of the State of New York and stop

                 paying this enormous debt service and begin to

                 pay off that debt.

                            I urge everyone in this room to

                 vote no.  Thank you, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Breslin will be recorded in the negative.

                            Senator Ada Smith.

                            SENATOR ADA SMITH:    Thank you,

                 Mr. President.

                            I too came this morning with every

                 intention of voting yes on the debt service

                 bill.  But after sitting in the lounge

                 listening to my leader, Senator Connor, while

                 having chills from the cold that I've caught

                 from all the air coming up under this desk, I

                 forced myself to come into this room to vote

                 no, after listening to all of the -- what I

                 consider to be irregularities in how our money

                 is inappropriately being used.

                            We need to go back to trying to pay

                 for what we purchase or the goods that we use

                 and stop hiding all of our assets and fooling

                 the people of the State of New York.  It's

                 time we took responsibility for what we were





                                                          4220



                 elected for.  And I vote no.

                            ACTING PRESIDENT MEIER:    Senator

                 Ada Smith will be recorded in the negative.

                            Senator Stachowski.

                            SENATOR STACHOWSKI:    Mr.

                 President, to explain my vote.

                            I too came here to vote yes on this

                 bill.  I normally vote for the debt service

                 bill.  And although I know we do have to pay

                 our debts, I have a problem this year.

                 Senator Connor has pointed out some real

                 problems.

                            I have a basic problem with the

                 fact that, one, in this year's -- in the bill

                 we'll see later, an Article 7 bill, Governor

                 is going to try to eliminate the PACB.  And

                 even though as a Minority member, when I sat

                 on that we don't get a vote, we do, however,

                 get to ask questions and we get to discuss the

                 items that come before us and we get a good

                 view of a lot of the things that are bonded

                 and.  I just think it's a terrible idea.

                 Especially when our debt service is as high as

                 it is, I think it's a good idea that we have

                 as much information as possible, and that is





                                                          4221



                 one of the venues for doing that.

                            And then at the same time, in last

                 year's proposed constitutional amendment the

                 Governor put a piece in that would eliminate

                 the use of COPs.  And there in this year's

                 debt reform package he has again an extensive

                 use of certificates of participation.  And I

                 find that very difficult.

                            I think that if you're going to

                 propose something be removed, you don't just

                 use it because it's still there.  I mean, this

                 house, when they proposed legislation that

                 they were going to change the rules and we

                 weren't going to have unlimited meals with

                 lobbyists, we then felt that since we proposed

                 that, even though we didn't pass it in both

                 houses, we follow that rule.

                            And so that's the same way I look

                 at this.  And since that's not the case, if

                 for no other reason as my vocal no on the fact

                 that that's being done, I'm going to oppose

                 this bill and vote in the negative.

                            ACTING PRESIDENT MEIER:    Senator

                 Stachowski will be recorded in the negative.

                            Senator Gentile.





                                                          4222



                            SENATOR GENTILE:    Thank you, Mr.

                 President, to explain my vote.

                            Call it my conservative viewpoint,

                 but it is my fiscally conservative viewpoint

                 that we should pay for the things that we have

                 money to pay for.  And I think Senator

                 Connor's explanation of what we were asked to

                 vote on today was explosive, was dynamic of

                 what we really have been asked to vote on here

                 today.

                            And certainly, from a fiscally

                 conservative viewpoint, the correct vote here

                 is a no vote.  Because if you're fiscally

                 conservative, to ask us to authorize this

                 extra borrowing when we have a huge surplus,

                 frankly -- frankly, the surplus is a political

                 instrument and that surplus is good when the

                 campaign season rolls around.  But to endanger

                 the State of New York to continue to borrow

                 just to keep a surplus out there during a

                 campaign year is not right for the

                 Legislature, it's not right for the people who

                 will incur the result and consequences of this

                 debt, as Senator Connor has indicated.

                            So the fiscally conservative, the





                                                          4223



                 prudent vote here is a no vote.  So, Mr.

                 President, I too vote no.

                            ACTING PRESIDENT MEIER:    Senator

                 Gentile, you will be recorded in the negative.

                            The Secretary will announce the

                 results.

                            I'm sorry, Senator, I should stand

                 up.  The lamp is in my way.

                            Senator Malcolm Smith.

                            SENATOR MALCOLM SMITH:    Thank you

                 very much, Mr. President.

                            I am going to be voting for this

                 bill.  And while Senator Connor has very

                 appropriately pointed out some of the

                 experiences and appropriations that are in

                 this bill, which is true, what is driving me

                 at one point to do this -- because, one, we'll

                 be back.  We're going to be back probably in

                 three weeks, probably in two months, where we

                 are probably going to have to do this entire

                 debt bill all over again.

                            What is important to me at this

                 point from a financial standpoint is Senator

                 Hevesi asked a question of Senator Stafford,

                 and while he somewhat answered the question,





                                                          4224



                 the fact is that we are doing some refinancing

                 of debt in this bill.  And it is actually the

                 right time, whether it was just pure luck or

                 whether it was actually somebody forecasting

                 the time, this is actually the right time to

                 refinance some of the debt that will be

                 refinanced in some of these debt issuance that

                 will occur with some of these authorities.

                            So for those reasons, I will be

                 voting for the bill.  But I know we will be

                 back.  And when we come back, at that time I

                 think will be a different kind of vote, given

                 that will be the real debt service bill.  This

                 one here, I believe, is just sort of a shadow.

                            Thank you.

                            ACTING PRESIDENT MEIER:    Senator

                 Malcolm Smith will be recorded in the

                 affirmative.

                            Senator Brown.

                            SENATOR BROWN:    To explain my

                 vote, Mr. President.

                            I too, being somewhat fiscally

                 conservative, am a little bit concerned that

                 we are voting on a debt service bill that

                 doesn't just pay off past debt but that has





                                                          4225



                 new appropriations, that creates new debt.

                            And like others who have spoken

                 before me, I'm very thankful to Senator Connor

                 also for pointing out the certificates of

                 participation in this bill.  To me,

                 $24 million for passenger vehicles paid over

                 seven years, $3,908,000 in interest is

                 excessive.

                            But as we have gone through this

                 debate yesterday and today and talked about

                 the need to continue programs and the need to

                 pay our debts, I too believe that while I

                 don't like the process, while I'm concerned

                 about how this has been going and I'm going to

                 speak out about that, I'm going to be forced

                 to vote in the affirmative on this bill.

                            ACTING PRESIDENT MEIER:    Senator

                 Brown will be recorded in the affirmative.

                            Senator Lachman.

                            SENATOR LACHMAN:    First, I want

                 to say that I'm in great debt, tremendous debt

                 of gratitude to my leader, Senator Connor, for

                 bringing things to my attention that I was

                 unaware of.  And in doing that, he's just torn

                 me apart for the last two or three hours.  But





                                                          4226



                 I've heard what he had to say, and I believe a

                 great deal of what he has to say is correct.

                            But at the same time, in looking at

                 this legislation, there are so many important

                 things that we need in the State of New York,

                 with all the problems that have been brought

                 to our attention -- and I also don't want

                 New York State to rank 51st in the states of

                 the Union.

                            But the final decision, I have to

                 admit, was based on a political policy issue.

                 I said to myself a few minutes ago, when I

                 hadn't decided yet how to vote, what the heck,

                 even if I vote no, it will pass because the

                 other side has the majority.  And then I said

                 to myself, how would I vote in a few years

                 when we might have a majority?  And I said the

                 responsible thing to do today is to vote as if

                 the Democratic Minority was in the majority.

                            I vote aye.

                            ACTING PRESIDENT MEIER:    Senator

                 Lachman will be recorded in the affirmative.

                            Announce the results.

                            THE SECRETARY:    Those recorded in

                 the negative on Calendar Number 328 are





                                                          4227



                 Senators Breslin, Connor, Dollinger, Duane,

                 Gentile, Hassell-Thompson, Hevesi, Montgomery,

                 Onorato, Paterson, Schneiderman, A. Smith,

                 Stachowski, and Senator Stavisky.  Ayes, 43.

                 Nays, 14.

                            ACTING PRESIDENT MEIER:    The bill

                 is passed.

                            Senator Kuhl.

                            SENATOR KUHL:    Yes.  Would you

                 recognize Senator Morahan, please.

                            ACTING PRESIDENT MEIER:

                 Certainly.

                            Senator Morahan.

                            SENATOR MORAHAN:    Yes, Mr.

                 President.  I'd ask for unanimous consent to

                 be recorded in the affirmative on Calendar

                 331, Senate Bill 3995.

                            ACTING PRESIDENT MEIER:    Without

                 objection, Senator Morahan will be recorded in

                 affirmative on Calendar 331.

                            Senator Kuhl.

                            SENATOR KUHL:    Is there any

                 housekeeping at the desk?

                            ACTING PRESIDENT MEIER:    Yes, I

                 believe we have some motions.





                                                          4228



                            Senator Fuschillo.

                            SENATOR FUSCHILLO:    Thank you,

                 Mr. President.  On behalf of Senator Maltese,

                 I move to recommit Senate Print Number 1855,

                 Calendar Number 206 on the order of third

                 reading, to the Committee of Veterans and

                 Military Affairs, with instructions to said

                 committee to strike out the enacting clause.

                            ACTING PRESIDENT MEIER:    So

                 ordered.

                            Senator Fuschillo.

                            SENATOR FUSCHILLO:    Mr.

                 President, on behalf of Senator Libous, on

                 page 27 I offer the following amendment to

                 Calendar Number 181, Senate Print Number 2819,

                 and ask that said bill retain its place on

                 Third Reading Calendar.

                            ACTING PRESIDENT MEIER:    The

                 amendment is received, and the bill will

                 retain its place on the Third Reading

                 Calendar.

                            Senator Kuhl.

                            SENATOR KUHL:    Could we go to the

                 regular calendar now and call up Calendar

                 Number 314, by Senator Seward, please.





                                                          4229



                            ACTING PRESIDENT MEIER:    The

                 Secretary will read Calendar 314.

                            THE SECRETARY:    Calendar Number

                 314, by Senator Seward, Senate Print 3653, an

                 act to amend the Insurance Law, in relation to

                 homeowners' insurance.

                            SENATOR CONNOR:    Explanation.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, Senator Connor has requested an

                 explanation of Calendar 314.

                            SENATOR SEWARD:    Certainly, Mr.

                 President.

                            This bill would extend the New York

                 Property Insurance Underwriting Association,

                 the so-called NYPIUA, for two years.

                 Currently NYPIUA will expire on April 30th of

                 this year.  This bill would extend it for a

                 two-year period, to April 30, 2003.

                            It would also extend for the same

                 two-year period provisions allowing for

                 multitier programs for homeowners' insurance

                 to encourage the availability of insurance in

                 so-called high-risk areas.

                            ACTING PRESIDENT MEIER:    Senator

                 Dollinger.





                                                          4230



                            SENATOR DOLLINGER:    Mr.

                 President, will the sponsor yield to a

                 question?

                            ACTING PRESIDENT MEIER:    Senator,

                 do you yield?

                            SENATOR SEWARD:    Yes, I do.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, to Senator Seward, is there any

                 evaluation of the NYPIUA program that has been

                 undertaken to determine its effectiveness and

                 the impact on the marketplace that it was

                 designed to achieve?

                            SENATOR SEWARD:    Well, I would

                 say, Mr. President, there are really two ways

                 that I could answer the question.  Number one

                 is if you take a look at the market in both

                 some of these high-risk areas, particularly on

                 the coastal regions of our state, which are

                 susceptible to hurricanes and those types of

                 more dramatic storms, the market for this type

                 of insurance is quite vibrant.  There have

                 been a number of companies in competing for

                 business to the benefit of the insureds.  So





                                                          4231



                 that's one part of the answer.

                            The second part of the answer would

                 be that there is in place, and this bill would

                 continue it, the Temporary Panel on

                 Homeowners' Insurance Coverage, which is made

                 up of producers, and the Superintendent of

                 Insurance chairs this body.  And it is their

                 responsibility to evaluate the market and to,

                 you know, make recommendations should there be

                 the need to change.  But so far, it has not

                 been necessary because the market is doing

                 pretty well.  And that's why I'd like to see

                 this extended.

                            SENATOR DOLLINGER:    Well, through

                 you, Mr. President, that's my question to

                 Senator Seward.  I mean, this was a program

                 undertaken by the State of New York to have an

                 impact on the marketplace because either there

                 was insurance coverage that wasn't available

                 for the kind of catastrophic problems of

                 windstorms, hailstorms, hurricanes, high water

                 levels even in some places.  And so we entered

                 the marketplace to create this association.

                            And my question now is, given the

                 seeming -





                                                          4232



                            ACTING PRESIDENT MEIER:    Senator

                 Dollinger, are you asking Senator Seward to

                 yield?

                            SENATOR DOLLINGER:    Yes, I am,

                 Mr. President, thank you.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, would you yield to a question from

                 Senator Dollinger?

                            SENATOR SEWARD:    Yes, I will.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR DOLLINGER:    I think

                 that's, Mr. President, because I didn't

                 articulate that, that's correct.

                            But my question is, we entered into

                 the marketplace in 1984 to provide benefits

                 that were either too expensive or nonexistent.

                 My question is, is there any study of the

                 marketplace to show that those benefits are

                 now existent in the marketplace or that the

                 price has come down to such a point that we

                 need to continue to be in the marketplace?

                 Which I think most of us would agree the State

                 of New York is best kept out of the vibrant

                 marketplace.





                                                          4233



                            SENATOR SEWARD:    Well, Mr.

                 President, if the Senator is suggesting that

                 because of this improved market in these areas

                 that we should allow NYPIUA to expire, I would

                 only point out that around 2 percent of the

                 state's residential properties are insured

                 through NYPIUA.  And if you were among

                 those -- within that 2 percent, I don't think

                 you would want to see NYPIUA expire.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if Senator Seward will continue

                 to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR DOLLINGER:    Senator, I

                 would agree with you that if I were one of

                 those 2 percent that were covered, I might be

                 concerned.  But shouldn't I know what else is

                 out there in the marketplace and what it costs

                 before I draw that conclusion?

                            If we allowed it to expire, how

                 could we tell whether it was working unless we





                                                          4234



                 could show there was either a lack of

                 insurance available or that it was too

                 expensive and that this organization had

                 somehow either made something available that

                 was never there or to reduce the cost?

                 Where's the evidence that it's worked and that

                 it needs to continue?

                            SENATOR SEWARD:    Well, Mr.

                 President, I would respond in this way.

                 NYPIUA, which by the way is not a New York

                 State-run operation, it's made up of -- all

                 the insurers who write fire and property

                 coverage in New York State are members of

                 NYPIUA and make up NYPIUA.  We obviously

                 through statute authorize this association,

                 but it's not a New York State-run operation.

                 It's run by these companies that make up

                 NYPIUA.  They participate in all of the

                 expenses and profits and losses and all of

                 that.

                            So NYPIUA exists as what I would

                 describe as the insurer of last resort.  If

                 you are a homeowner or a small businessman in

                 a high-risk area and did not have the

                 availability of insurance in the voluntary





                                                          4235



                 market, then you have this option of going to

                 NYPIUA.  And as I said earlier, about

                 2 percent of the state's residential

                 properties depend on this insurer of last

                 resort.  And so that's the reason for the

                 extension.

                            I point out the vibrancy of the

                 market, particularly in the coastal areas, we

                 went through a time back prior to -- let's

                 see.  I forget the exact year.  In the

                 mid-'90s, obviously, because in 1996 this

                 Legislature had adopted provisions in the law

                 which came in with the multitiered program to

                 entice insurers into the coastal areas.

                            So this Legislature has responded

                 over the years to market conditions.  Right

                 now, things seem to be fairly stable.  And I

                 recommend that we keep it that way through the

                 extension of NYPIUA.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if the sponsor will continue to

                 yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Sure.





                                                          4236



                            ACTING PRESIDENT MEIER:    The

                 Senator yields.

                            SENATOR DOLLINGER:    Is there a

                 recommendation from the Superintendent of

                 Insurance to keep this program going?

                            SENATOR SEWARD:    Well, Mr.

                 President, I can't point to a formal memo or

                 letter.  But certainly in conversations with

                 the Superintendent, they would like to see

                 NYPIUA continue, yes.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if Senator Seward will continue

                 to yield.

                            ACTING PRESIDENT MEIER:    Senator,

                 do you yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR DOLLINGER:    Do you know

                 what the factual basis was for the

                 Superintendent's comment that it should

                 continue in existence?

                            SENATOR SEWARD:    The facts speak

                 for themselves, Senator, and Mr. President,

                 that the -- we still continue to have





                                                          4237



                 2 percent receiving their coverage through

                 this vehicle.  And therefore, it should be

                 continued.  I mean, the facts speak for

                 themselves.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if Senator Seward would

                 continue to yield.

                            ACTING PRESIDENT MEIER:    Senator,

                 do you yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR DOLLINGER:    Senator, I'm

                 just trying to figure out what's in the mind

                 of those people who get the 2 percent of the

                 coverage.  Are they selecting this option

                 because it's the least expensive?  Is there

                 any market survey as to the rate that's paid

                 by this organization versus other commercial

                 insurers?  That's number one.

                            And, number two, do you have any

                 price advantage in this as distinguished from

                 other insurers?

                            I agree with you, Senator Seward, I

                 think that this state has had the benefit of a





                                                          4238



                 vibrant market.  I think that's a good thing

                 for consumers to have lots of choices.  And my

                 question was, in 1984 we said there wasn't

                 enough competition in the marketplace.  That

                 was in part, Senator Seward -- and I think you

                 may acknowledge this, as the chair of the

                 Insurance Committee -- that was in part

                 because there weren't large, massive insurance

                 companies.

                            Back in those days, in the

                 preconsolidation days, the companies generally

                 tended to be smaller.  So underwriting the

                 catastrophic risks that this program does -

                 windstorm, hail, explosion, hurricanes -- was

                 very difficult to do for smaller insurers.

                            We now live in a world where,

                 because of consolidation, we have much bigger

                 insurers, there's a much more competitive

                 marketplace.  You haven't yet -- and with all

                 due respect, I just don't see the basis for

                 suggesting that there's a reason to continue

                 this just because 2 percent of the people have

                 it.  Why shouldn't we send them to the private

                 marketplace and get the state out of the

                 business of selling this kind of insurance?





                                                          4239



                            SENATOR SEWARD:    Well, Mr.

                 President, the reason that people find

                 themselves doing business through NYPIUA is

                 the fact that they do not have access in the

                 voluntary market.  It's a question of access

                 to basic insurance coverage.

                            And so there's certainly no price

                 advantage, because -- it's in fact more

                 expensive, because the cost is higher to be

                 insured through NYPIUA.  And that's just part

                 of the pricing mechanism.  So there's no

                 advantage from a price point of view.

                            The advantage is that they do in

                 fact have access to insurance coverage.  And

                 in sort of these so-called high-risk

                 neighborhoods, the fact that because of NYPIUA

                 they're able to receive coverage, this basic

                 coverage, that, I think, is very beneficial to

                 those communities.  It helps them to secure a

                 mortgage on properties, it helps to attract

                 private investment.  I think these are all

                 very positive things, and I think they should

                 be continued.

                            SENATOR DOLLINGER:    Okay.  A

                 final question, through you, Mr. President.





                                                          4240



                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR DOLLINGER:    Has the

                 Insurance Committee of either this house or

                 the other house studied the impact of this

                 device on the marketplace and drawn the kinds

                 of conclusions that you just drew with respect

                 to availability and price?  Has there been any

                 study of this by any of the bodies in this

                 Legislature to confirm your observations?

                            SENATOR SEWARD:    Well, Mr.

                 President, I would direct the Senator to the

                 various reports that are -- that have come to

                 us over the years from this Temporary Panel on

                 Homeowners' Insurance Coverage which delve

                 into these issues and have recommended the

                 continuation of NYPIUA.  Even though they do

                 acknowledge that overall the market is much

                 more vibrant, but the recommendation is there

                 that it continue.

                            So the Senator is free to read

                 those reports, and I'd happy to provide them





                                                          4241



                 to him.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, just one final question for

                 Senator Seward.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield for a question?

                            SENATOR SEWARD:    Yes.

                            SENATOR DOLLINGER:    Just one

                 final question.  When is the most recent of

                 those reports?

                            SENATOR SEWARD:    The most recent

                 was on May 1, 2000.

                            SENATOR DOLLINGER:    Okay.

                 Through you, Mr. President, just on the bill.

                            ACTING PRESIDENT MEIER:    Senator

                 Dollinger, on the bill.

                            SENATOR DOLLINGER:    Mr.

                 President, I'm not quite sure I understand the

                 theory of an extender for a two-year period of

                 time in this bill.  And it really comes down

                 to -- and, Senator Seward, I appreciate the

                 colloquy about this.

                            I once again am struck, however,

                 somewhat by how we put extenders into effect.

                 And the whole purpose of sunset legislation is





                                                          4242



                 that we will force each other -- we'll force

                 the Legislature to examine a piece of

                 legislation before we make it permanent.  The

                 whole point of it is that we're going to force

                 ourselves to go through a self-examination, to

                 come up with a conclusion as to why a proposed

                 piece of legislation should be renewed.

                            And with all due respect to Senator

                 Seward, I hear a concept that should be

                 continued, but I don't hear the facts to

                 support it.  This was obviously put in place

                 at a different time.  This was obviously put

                 in place because the current marketplace did

                 not provide access to insurance, it was too

                 expensive.  So what, at least as I understand

                 this, it was designed to do, is this said,

                 well, we're going to sell you this insurance

                 at a particular rate and if you have losses

                 above those, we will charge the entire pool of

                 available insurers an additional cash sum to

                 fund those losses to put the money in.  That's

                 the way I understand it works.  And I don't

                 deny that there was an appropriate time to do

                 this.

                            But it seems to me, given what





                                                          4243



                 Senator Seward acknowledges is a vibrant

                 marketplace, why not put this back on the

                 marketplace?  Why not just turn over to big

                 commercial insurers the availability of

                 insuring the full extent of the risk?  I'm not

                 so sure there's any evidence that the private

                 sector couldn't do that.

                            And under those circumstances, I

                 think the private sector should be given a

                 chance to do it, I don't see a justification

                 for continuing this.  If there were one -- and

                 I'd be glad to look at the May 1, 2000,

                 report -- I haven't seen it to this point, Mr.

                 President.  I'm not satisfied that at least

                 what I've heard to date suggests that there's

                 a basis for the continuing presence of

                 government in the marketplace.  And in the

                 absence of that kind of evidence, I think the

                 government ought to get out of the

                 marketplace, turn this over to private

                 insurers, let them figure it out.  And if they

                 need to come back to us, we'll make that

                 judgment then.

                            But I'm going to vote no on this,

                 Mr. President, because I don't think there's





                                                          4244



                 the evidence to support it.

                            ACTING PRESIDENT MEIER:    Senator

                 Onorato.

                            SENATOR ONORATO:    Mr. President,

                 will the sponsor yield to a question.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield for a question from

                 Senator Onorato?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR ONORATO:    Senator Seward,

                 I think I'm going to be in favor of this bill,

                 and I just want a little clarification.

                 Actually, isn't this almost the equivalent of

                 a assigned risk pool for homeowners?  Because

                 I've had some experience where I had people

                 from my own district living with waterfront

                 property and they couldn't get any of this

                 insurance to insure their homes.

                            Now, this association was basically

                 formed to provide insurance for this

                 particular category of homeowners and property

                 owners, was it not?

                            SENATOR SEWARD:    Mr. President,





                                                          4245



                 Senator Onorato is basically correct.  I think

                 it is a -- if you want to talk concept, to

                 think in terms of this as an assigned risk

                 for -- in terms of the auto insurance area.

                 This would be for the fire, basic home

                 residential insurance.

                            Now, unlike what has been described

                 by Senator Dollinger, this is not an extra

                 layer of insurance.  We're talking about

                 making available very basic coverage.  These

                 policyholders that secure their insurance

                 through NYPIUA currently, as you correctly

                 point out, have no other options.

                            SENATOR ONORATO:    One further

                 thing.  I believe the association -

                            ACTING PRESIDENT MEIER:    Senator

                 Onorato, do you want Senator Seward to

                 continue to yield?

                            SENATOR ONORATO:    Would you

                 continue to yield, Senator?

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield -

                            SENATOR ONORATO:    I have a couple

                 of questions, Senator.

                            ACTING PRESIDENT MEIER:    Wait,





                                                          4246



                 wait, wait.

                            Senator Seward, do you yield for a

                 question?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR ONORATO:    I understand,

                 Senator, is it correct or not that the

                 association will guarantee that if there are

                 any losses to any of the private insurers that

                 do the insuring, they'll be reimbursed or made

                 up for the differences?  Or do they simply

                 raise the rates the following year when it

                 expires?

                            SENATOR SEWARD:    Mr. President,

                 the rates that are charged are set by statute.

                 And in terms of the members of the

                 association, they share in whatever profit or

                 loss develops depending on, you know, the

                 claims that are filed.

                            SENATOR ONORATO:    Again through

                 you, Mr. President, I was under the -

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield for another question?

                            SENATOR SEWARD:    Yes.





                                                          4247



                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR ONORATO:    I was under the

                 assumption that the association reimbursed

                 anybody for a deficit if it should occur,

                 through the provision of the insurance.

                            SENATOR SEWARD:    Just a point of

                 clarification, Mr. President.  You're

                 referring to any loss that may be incurred by

                 a member of the association, a company that is

                 a member?

                            SENATOR ONORATO:    Right.  Yes.

                            SENATOR SEWARD:    Well, the

                 association does, through its flow of

                 finances, in effect do that, because there is

                 a sharing of the profits and the losses.  So

                 that if one company -- it's a sharing of the

                 risk, as you point out.  So there is a form of

                 what you suggest in terms of the making up the

                 difference for a particular company.  Because

                 they're not out there on their own, it's a

                 member of this association which is made up of

                 all the insurers.  And so the risk is shared

                 and the losses of a particular company are

                 made up by the other members of the





                                                          4248



                 association.

                            SENATOR ONORATO:    And one final

                 question, through you, Mr. President.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield for another question?

                            SENATOR SEWARD:    Yes, Mr.

                 President.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR ONORATO:    Are these

                 insurers capable or are they allowed to

                 provide any other types of insurance besides

                 this specific catastrophe for the homeowners

                 with the waterfront property?

                            SENATOR SEWARD:    Well, Mr.

                 President, the -- there's very basic coverage,

                 in terms of what they offer through the NYPIUA

                 program is very specific and very basic

                 coverage.

                            There are additional coverages that

                 are on what I call a standby basis.  The

                 Superintendent, under existing law, which

                 would be extended, has the authority to, after

                 having public hearings and so on, if the

                 market in some other lines necessitates their





                                                          4249



                 offering other lines of insurance through the

                 NYPIUA vehicle, that is possible.

                            Although it's interesting to note

                 that these additional types of insurance have

                 never been invoked.  I mean, the

                 superintendent has never determined, to date,

                 anyway, that that has been necessary.  But it

                 is possible.

                            SENATOR ONORATO:    Thank you,

                 Senator.  As I stated earlier, I think it's a

                 good bill and I certainly do intend voting for

                 it.

                            ACTING PRESIDENT MEIER:    Senator

                 Schneiderman.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President, if the sponsor

                 would yield for a few questions.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield to a question?

                            SENATOR SEWARD:    Yes, Mr.

                 President.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    I'm trying

                 to understand the relationship between the





                                                          4250



                 members of NYPIUA and the temporary panel that

                 was discussed earlier.  Which is, I guess,

                 defined in Section 12 of Chapter 42.  Are the

                 same companies represented -- that are in

                 NYPIUA also on the temporary panel?

                            SENATOR SEWARD:    Mr. President,

                 they could be.  The association members have a

                 board of 13.  There are 10 that come from the

                 companies that are participating, or at least

                 they vote 10 members in.  And then the

                 Superintendent is able to appoint three.

                            And in terms of -- the Temporary

                 Panel on Homeowners' Insurance Coverage is

                 also made up of producers, so it's more than

                 likely that many of them are the same

                 companies involved, the same entities.

                 There's nothing that would prevent that.

                            I would point out that as this

                 temporary panel reviews the market, I think

                 who better to make judgments than the people

                 who are out there, you know, on the street, so

                 to speak, knowing exactly what the conditions

                 are because they're doing business there.

                            SENATOR SCHNEIDERMAN:    Well,

                 through you, Mr. President, then -





                                                          4251



                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 I think that the concern that I'm raising

                 is -- and it was hinted at by Senator

                 Dollinger's question -- is that it does not

                 appear, and I may be mistaken, it does not

                 appear there's been any objective appraisal -

                 and by that I mean someone who is not a part

                 of the industry, not those entities that are

                 writing coverage for a profit -- that has

                 produced any sort of assessment of this.

                            I appreciate that there are reports

                 by the temporary panel, but I gather that the

                 temporary panel is evaluating the program that

                 is participated in by the same people who are

                 on the temporary panel.

                            Has anyone else looked at this, or

                 any other representatives of consumer

                 interests, public interests, or the insured,

                 as opposed to the insurer?

                            SENATOR SEWARD:    Well, Mr.





                                                          4252



                 President, in terms of this temporary panel,

                 it consists of 14 members.  They are appointed

                 by -- some by the Governor, three members by

                 the Governor and the Temporary President of

                 the Senate, the Speaker of the Assembly.  The

                 Minority Leader of the Senate get two

                 appointments, and the Minority Leader of the

                 Assembly gets two appointments as well.

                            So it is -- if you're suggesting

                 it's some sort of an inside group, I would

                 speak to your leader and other leaders who are

                 appointing members if you feel that they're

                 appointing inappropriate individuals to that

                 body.

                            I've never heard a complaint at all

                 about it.

                            SENATOR SCHNEIDERMAN:    Well,

                 through you, Mr. President, if the sponsor

                 will continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to continue to yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    I'm not





                                                          4253



                 suggesting that anyone is doing anything

                 improper.  It's just that if I am regulating

                 myself, if I am doing a report on whether my

                 office is doing a good job, it will be a

                 different report than if somebody else is

                 doing such a report.  And I'm sure that

                 everyone is endeavoring to appoint the most

                 qualified people to this panel.

                            My concern is that the great

                 majority of people on the temporary panel are,

                 and I'm reading from the statute,

                 representatives of producers actively placing

                 homeowners' insurance policies in this state

                 and representatives of insurance companies

                 actively writing homeowners' insurance

                 policies in this state.  Which, as I gather,

                 are the same entities that are in NYPIUA.

                            So I'm not suggesting anything

                 improper, it's just that we get different

                 perspectives from different sources.  And my

                 question, once again, is has there been any

                 other outside entity that has ever evaluated

                 this program?

                            SENATOR SEWARD:    Mr. President,

                 I'm not aware that there has been.  And I'm





                                                          4254



                 also not aware that there really is a need to

                 have an outside group or another entity

                 created to do that.

                            You know, it's interesting to note,

                 when you take at a look at the NYPIUA

                 association, that is in fact made up of -- the

                 members of the association elect that

                 governing board, more than likely company

                 representatives.  The panel members that are

                 advising the Superintendent of Insurance and

                 us, because we receive those reports as well,

                 there is a far-reaching group that's there

                 involving agents -- I mean, any number of

                 people.  There are so many players in the

                 insurance field that it's more than just

                 company representatives.  So you have agents

                 and the like.  And it's a situation where -

                 plus the market is very visible.

                            I think the best way to gauge how

                 well NYPIUA and some of the other changes in

                 the law that were made to address some of the

                 issues along the coast, the best way to assess

                 it is to talk to individual homeowners.  And

                 in fact, if there was not an availability of

                 insurance -- which was the case a few years





                                                          4255



                 ago in this state in select areas -- believe

                 me, we would not need a temporary panel to

                 tell us that.  It would be pretty well known.

                            SENATOR SCHNEIDERMAN:    Thank you.

                            Through you, Mr. President, if the

                 sponsor will continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    I'm

                 curious as to how the categories of insurance

                 that are covered by NYPIUA were developed.  It

                 seems to apply to a fairly broad range but

                 actually a fairly random sprinkling of types

                 of insurance -- vandalism, extended coverage.

                 How were the different categories that are

                 under NYPIUA identified?

                            SENATOR SEWARD:    Mr. President,

                 NYPIUA was created originally back in 1968 to

                 provide this basic property insurance

                 coverage, particularly in urban areas that -

                 if you recall, in the late '60s, in some of

                 the urban areas of our state, there was some





                                                          4256



                 civil unrest and some communities had serious

                 problems.  And it was difficult and in fact

                 impossible for certain properties in certain

                 areas to obtain insurance coverage.  And so

                 NYPIUA was created.  That's the origination of

                 it.

                            And what we have done since that

                 time is to basically carry forth those

                 coverages in the statute.  Personally, I have

                 had no involvement in establishing the list of

                 coverages.  And I don't -- I can't answer your

                 question directly other than the fact that we

                 are carrying forward what is in place now, and

                 it seems to be working very well.

                            SENATOR SCHNEIDERMAN:    Through

                 you, Mr. President, if the sponsor will

                 continue to yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    I note

                 that one of the areas that appears to be

                 covered is professional liability insurance.





                                                          4257



                 I'm not sure I understand -- I understand the

                 notion of homes in dangerous areas or in

                 environmentally hazardous areas.  How does

                 professional liability insurance get into

                 this?

                            SENATOR SEWARD:    Well, Mr.

                 President, the commercial risk insurance,

                 public entity insurance, and the professional

                 liability insurance, those three categories

                 are in that so-called standby powers, which

                 have never been invoked.  But because back in

                 1986, when there was a general liability

                 insurance crisis in this state in terms of

                 access and availability, those -- that's when

                 those particular coverages were added to the

                 statute on a standby basis.  And that was in

                 response to conditions that existed at that

                 time.

                            SENATOR SCHNEIDERMAN:    Through

                 you, Mr. President, so those -

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.





                                                          4258



                            SENATOR SCHNEIDERMAN:    So in

                 fact, NYPIUA has never done that, it's been

                 authorized but not undertaken as far as those

                 additional categories of insurance are

                 concerned?

                            SENATOR SEWARD:    That is correct.

                 It would require a process that is headed up

                 by the Superintendent of Insurance, has to

                 have public hearings and go through a process

                 outlined in the statute before that type of

                 insurance could be available through NYPIUA.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 And through you, Mr. President, just one or

                 two more brief questions.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR SCHNEIDERMAN:    What

                 happens if the association runs a deficit?

                 What's the mechanism for dealing with that?

                            SENATOR SEWARD:    Well, Mr.

                 President, the members of the association

                 would have to assume any losses.





                                                          4259



                            SENATOR SCHNEIDERMAN:    So there

                 would be no drain on the public funds?

                 There's no public funding for that?

                            SENATOR SEWARD:    Mr. President,

                 the Senator is correct.  There's no exposure

                 here on the part of the State of New York.

                            SENATOR SCHNEIDERMAN:    Sounds

                 pretty good to me.  Thank you.

                            SENATOR SEWARD:    You're welcome.

                            ACTING PRESIDENT MEIER:    Senator

                 Oppenheimer, why do you rise?

                            SENATOR OPPENHEIMER:    I would

                 like to ask a question, if the Senator would

                 yield.

                            ACTING PRESIDENT MEIER:    Senator

                 Seward, do you yield a question from Senator

                 Oppenheimer?

                            SENATOR SEWARD:    Certainly.

                            ACTING PRESIDENT MEIER:    The

                 sponsor yields.

                            SENATOR OPPENHEIMER:    This is a

                 simple question for you.  I know many people

                 who are near the waterfront having trouble

                 getting -- you know, in the voluntary market

                 getting insurance.  But every time there's a





                                                          4260



                 northeaster there, part of their houses go

                 underwater.  And I wonder how they would

                 specifically go about availing themselves of

                 this insurance.

                            SENATOR SEWARD:    Well, Mr.

                 President, if a homeowner found themselves in

                 that situation when -- if their regular

                 insurance carrier refused to renew them and

                 they had no availability of insurance coverage

                 through the normal marketplace, then they

                 could approach NYPIUA to obtain coverage.

                 Only then.  Only if their regular -- in the

                 regular market they could find no coverage

                 there.

                            But I must say, the -- that has

                 improved along coastal areas, because of some

                 additional changes we made in 1996 in this

                 Legislature.  So that the availability has

                 improved greatly.  However, if someone does

                 find themselves in the position of not having

                 availability of coverage, then they could

                 receive that coverage through NYPIUA.

                            SENATOR OPPENHEIMER:    Would you

                 continue to yield, Senator?

                            ACTING PRESIDENT KUHL:    Senator





                                                          4261



                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Certainly.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR OPPENHEIMER:    How would

                 we go about that?  Is there a central office

                 you could provide us with?

                            SENATOR SEWARD:    Well, Mr.

                 President, I was turning to counsel here to

                 say do we have an address or a phone number.

                 I do not have that available at this time.

                            But generally, if an individual is

                 working with an insurance agent and together

                 they have reached the conclusion that there's

                 no coverage available, obviously the insurance

                 agent could direct them to NYPIUA.

                            But, I mean, it does exist.  I

                 mean, it has a physical location and a phone

                 number.  I'm sure they're in the book.

                            SENATOR OPPENHEIMER:    Okay.

                 Thank you.

                            On the bill, please.

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, on the bill.

                            SENATOR OPPENHEIMER:    This is a





                                                          4262



                 good bill.  It will definitely be of some

                 service to many of my communities which are

                 surrounded by water.  And very often the FEMA

                 insurance is not available, which is the

                 Federal Emergency Management office, which has

                 insurance.

                            But I think this can only benefit

                 us, and so I'll be happy to support it.

                            ACTING PRESIDENT KUHL:    Senator

                 Brown, why do you rise?

                            SENATOR BROWN:    Through you, Mr.

                 President, if the sponsor would yield for a

                 few questions.

                            ACTING PRESIDENT KUHL:    Senator

                 Seward, do you yield to a question from

                 Senator Bruno?

                            SENATOR SEWARD:    Yes, I do, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR BROWN:    Senator -- Mr.

                 President, through you, is NYPIUA a statewide

                 organization that has listings across the

                 entire state of New York?

                            SENATOR SEWARD:    Mr. President,





                                                          4263



                 yes, NYPIUA is empowered to write coverage or

                 obtain access to coverage throughout the state

                 for individuals.  It's not in a select area.

                            SENATOR BROWN:    Through you, Mr.

                 President, would the sponsor continue to

                 yield?

                            SENATOR SEWARD:    Yes, I will, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR BROWN:    So in my district

                 there are certain areas where homeowners have

                 been told that their insurance is being

                 canceled.  In cases like that, Senator, would

                 they then be able to go to NYPIUA for

                 insurance?

                            SENATOR SEWARD:    Yes, Mr.

                 President.  An individual who has been

                 canceled, if they work with an agent or on

                 their own if they make some calls and attempt

                 to secure coverage from another carrier, if

                 that's not possible, then NYPIUA is there as,

                 shall we say, a safety net, the insurer of

                 last resort.

                            SENATOR BROWN:    Through you, Mr.





                                                          4264



                 President, would the sponsor continue to

                 yield?

                            ACTING PRESIDENT KUHL:    Senator

                 Seward, do you continue to yield?

                            SENATOR SEWARD:    Yes, I will.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR BROWN:    And I apologize

                 if you answered this question already, Senator

                 Seward.  Do the rates that NYPIUA charges, are

                 they comparable with the voluntary market?

                            SENATOR SEWARD:    Mr. President,

                 the insurance premiums and costs through the

                 NYPIUA program are higher than the voluntary

                 market, in recognition that there must be a

                 higher risk involved.  Otherwise, the

                 voluntary market would have assumed that risk

                 voluntarily.

                            SENATOR BROWN:    Through you, Mr.

                 President, would the sponsor continue to

                 yield?

                            ACTING PRESIDENT KUHL:    Senator

                 Seward, do you yield?

                            SENATOR SEWARD:    Certainly.

                            ACTING PRESIDENT KUHL:    The





                                                          4265



                 Senator yields.

                            SENATOR BROWN:    Senator Seward,

                 how does NYPIUA market itself?  I have never

                 heard of it.  And even previously, as a city

                 council member representing a district where

                 homeowners and business owners sometimes found

                 it difficult to get the insurance they needed,

                 I never heard of it offered as an option in

                 those communities.

                            SENATOR SEWARD:    Well, Mr.

                 President, I think it was Senator Onorato who

                 had made the comparison to the so-called

                 assigned risk pool with auto insurance.  One

                 doesn't see the high-risk pool, you know, out

                 there marketing themselves either.  It's the

                 case when -- generally when an individual in

                 working with an agent finds that there's no

                 insurance coverage available to them, then

                 that agent will direct them to NYPIUA, much as

                 they do with the assigned risk pool when it

                 comes to auto.

                            SENATOR BROWN:    Thank you,

                 Senator.

                            SENATOR SEWARD:    Thank you.

                            ACTING PRESIDENT KUHL:    Senator





                                                          4266



                 Dollinger, why do you rise?

                            SENATOR DOLLINGER:    Just one

                 other question, if Senator Seward will

                 continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Seward, do you yield to a question from

                 Senator Dollinger?

                            SENATOR SEWARD:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DOLLINGER:    There's no

                 joint sponsorship of this bill.  Has the

                 Assembly taken up the extender, and what if

                 anything have they done, if you know?

                            SENATOR SEWARD:    Mr. President,

                 the Assembly has passed a permanent extension

                 of NYPIUA.  And I would anticipate, if history

                 is any indication, that they will pass this

                 two-year extender once we do.

                            In the past, we have been, in this

                 house, passing one-year extensions of NYPIUA.

                 There are those that would argue for a

                 permanent extension.  And it's my view, and

                 the majority of the Insurance Committee's view

                 as we reported out this bill, that we should





                                                          4267



                 extend it for a two-year period because I

                 think it is, as we've had this discussion

                 today, as we allow the Temporary Panel on

                 Homeowners' Insurance Coverage to do their

                 work in terms of evaluating the marketplace, I

                 think there is some value to bring these

                 issues to the forefront on a periodic basis in

                 order to assess the marketplace and see if

                 there are any changes needed.

                            If you take a look at the statute,

                 there were changes made in the mid-'80s to

                 NYPIUA, and again in the mid-'90s, in reaction

                 to market conditions at those times.  So I

                 think there's some value to bring this matter

                 before the Legislature on a periodic basis.

                 And that's the logic behind the two-year

                 extension.

                            SENATOR DOLLINGER:    Okay.  Mr.

                 President, just briefly on the bill again.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, on the bill.

                            SENATOR DOLLINGER:    I've listened

                 to the colloquy between my other colleagues

                 who have questioned Senator Seward.  I

                 continue to be skeptical about the continual





                                                          4268



                 renewals.  I think if this program has value

                 in the marketplace, we ought to do what the

                 Assembly did, make it permanent.  Or we should

                 commission the kind of study to figure out

                 whether the marketplace is vibrant enough to

                 provide this insurance without state

                 assistance.

                            I'm reluctant to have the state get

                 involved in the marketplace and remain there,

                 become a fixture there.  I think we could look

                 at the State Insurance Fund and think about

                 selling that off, because I'm not sure that we

                 need that either.  I think there are a number

                 of times when we have entered into the

                 marketplace for a beneficial purpose and

                 stayed way, way, way too long.

                            I just think that this is something

                 that there isn't enough evidence for me,

                 sitting here in this chamber today, to

                 conclude that the vibrant marketplace that's

                 now available cannot provide this function,

                 cannot serve this function.

                            Under those circumstances, Mr.

                 President, as I articulated earlier, I'll be

                 voting in the negative.





                                                          4269



                            ACTING PRESIDENT KUHL:    Does any

                 other member wish to speak on the bill?

                            Senator Breslin.

                            SENATOR BRESLIN:    On the bill,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Breslin, on the bill.

                            SENATOR BRESLIN:    I think Senator

                 Seward has done an exemplary job in explaining

                 NYPIUA.  And I think NYPIUA, on an ongoing

                 basis, has performed an admirable service,

                 particularly for Nassau and Suffolk County,

                 but also for inner city areas.  And it

                 provides a coverage when no coverage exists.

                 And as was pointed out, it still carries

                 2 percent of the insurance business in the

                 State of New York, albeit at a premium, at a

                 premium often in the neighborhood of

                 30 percent.  But that's as opposed to not

                 being able to find insurance.

                            However, NYPIUA has been with us

                 for a generation, and it's proved to be

                 viable, it's proved to be necessary, it's

                 proved to fulfill a mission.  And the

                 Legislature ought to say, fine, leave it





                                                          4270



                 alone, leave to the Insurance Department to

                 assist in regulating, and make this permanent.

                 And the Assembly felt that way on the 19th of

                 March of this year and passed a permanent

                 extender.

                            And I would urge this body, at a

                 later point in time, because I intend to vote

                 on this legislation, to consider that, to get

                 on to more important business and let NYPIUA

                 operate as it has for, as I said, the past

                 generation in a very positive and successful

                 way.

                            And because of that, Mr. President,

                 I intend to vote in the affirmative.

                            ACTING PRESIDENT KUHL:    Senator

                 Brown, why do you rise?

                            SENATOR BROWN:    Mr. President, if

                 I may, through you, ask the sponsor just one

                 additional question.

                            ACTING PRESIDENT KUHL:    Senator

                 Seward, do you yield to one additional

                 question?

                            SENATOR SEWARD:    Certainly.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.





                                                          4271



                            SENATOR BROWN:    Senator, do you

                 know how much of this insurance or what

                 percentage of NYPIUA's coverage is sold in

                 inner cities across the state?

                            SENATOR SEWARD:    I must say I'd

                 have to do a little research.  I don't have

                 that information off the top of my head.

                            But it's primarily in the urban

                 areas, and occasionally along the coastal

                 areas which are vulnerable to storms.

                            SENATOR BROWN:    On the bill, Mr.

                 President, if I may.

                            ACTING PRESIDENT KUHL:    Senator

                 Brown, on the bill a second time.

                            SENATOR BROWN:    I too want to

                 thank Senator Seward for his explanation of

                 NYPIUA.  Prior to reading the bill and hearing

                 Senator Seward's explanation, I was not

                 acquainted with NYPIUA at all or its function.

                            I understand how it works in

                 coastal areas.  I haven't seen evidence of it

                 in urban areas at this point, but I certainly

                 intend to do more research on NYPIUA and

                 certainly want to provide it as an alternative

                 to my constituents, some of which I know have





                                                          4272



                 not been able to get homeowners' insurance and

                 in some cases commercial insurance, business

                 insurance in some areas of my district.  And

                 it certainly sounds like an intelligent

                 option, because some insurance to safeguard

                 one's possessions is certainly better than no

                 insurance.

                            And so I'm thankful to Senator

                 Seward for his kindness in responding to our

                 questions.  And I certainly today have been

                 better educated on this matter, and hopefully

                 that will inure to the benefit of my

                 constituents.

                            Thank you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski, why do you rise?

                            SENATOR STACHOWSKI:    Mr.

                 President, briefly on the bill.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski, briefly on the bill.

                            SENATOR STACHOWSKI:    I'd just

                 like to thank Senator Seward for his patience

                 and his thoughtful answers and the information

                 he shared with everybody here.

                            This particular debate is another





                                                          4273



                 example how a new member that wasn't aware of

                 what was available through NYPIUA now knows

                 about it and will avail it to people in his

                 district that might not have been aware of it.

                 And another member that was here for a while

                 for whatever reason maybe didn't know that

                 this particular insurance was available to

                 people that are right on the water and now as

                 a result of this debate and all the

                 information that Senator Seward provided will

                 also make sure that people in their district

                 find out about this insurance availability

                 where maybe they couldn't get any insurance

                 coverage before.

                            So the fact is that this particular

                 debate has proved to be not only informative

                 for all of us, but it's going to come in handy

                 for a couple of members in providing more

                 information and an additional service to

                 people in our districts.  So I just wanted to

                 commend him on that fact.

                            And I don't understand, as Senator

                 Breslin said, why we wouldn't do the permanent

                 extender.  I will vote for this bill because

                 it does extend it, but it would seem to me





                                                          4274



                 that even if we did have changes to make to

                 whatever operates, governs NYPIUA, we could do

                 that through a chapter if we permanentized it.

                 So it could still be discussed and changed if

                 necessary.

                            And usually these kind of

                 associations would bring forward any changes

                 they needed, or people that worked with them

                 would bring forward any changes they needed

                 for debate.  And I'm sure the Insurance

                 Department, in oversight, if it noticed that

                 it needed changes, if this was permanentized,

                 would bring them forward.

                            But since that's not available, I

                 will take the next best thing and vote for the

                 two-year extender.  It's better than the

                 one-year extenders we used to do.

                            So with that I'll be supporting the

                 issue.  Thank you.

                            ACTING PRESIDENT KUHL:    The

                 Secretary will read last section.

                            THE SECRETARY:    Section 4.  This

                 act shall take effect immediately.

                            ACTING PRESIDENT KUHL:    Call the

                 roll.





                                                          4275



                            (The Secretary called the roll.)

                            ACTING PRESIDENT KUHL:    Record

                 the negatives and announce the results.

                            THE SECRETARY:    Ayes, 56.  Nays,

                 1.  Senator Dollinger recorded in the

                 negative.

                            ACTING PRESIDENT KUHL:    The bill

                 is passed.

                            Senator Skelos.

                            SENATOR SKELOS:    Mr. President,

                 would you please call up Calendar Number 258,

                 by Senator Farley.

                            ACTING PRESIDENT KUHL:    Calendar

                 Number 258, by Senator Farley, Senate Print

                 2838, an act to amend the Banking Law, in

                 relation to the appointment.

                            SENATOR OPPENHEIMER:

                 Explanation, please.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, an explanation has been requested by

                 Senator Oppenheimer.

                            SENATOR FARLEY:    Thank you.

                            This bill was originally was

                 proposed in 1999 as part of a Banking

                 Department bill.  It was introduced as a





                                                          4276



                 separate bill in 2000, and it was passed

                 unanimously by the Senate in 2000.

                            The bill would clarify that the

                 boards of banking institutions may establish

                 policies for the appointment of appraisers -

                 these are real estate appraisers -- rather

                 than having to individually appoint each

                 appraiser used by each institution.

                            Currently, some bank boards review

                 and approve each appraiser individually, while

                 other bank boards establish general policies

                 governing the appointment of appraisers.

                 However, the Banking Department has noted that

                 the current law is ambiguous in regard to the

                 appointment of appraisers.  They point out

                 that some could interpret the existing

                 language to mean that bank boards must

                 individually appoint each appraiser used by

                 their institution.

                            In order to clarify this is not the

                 case, the Banking Department developed these

                 direct appointments of each appraiser and said

                 it may be cumbersome, inefficient, and

                 especially for the larger institutions.

                 Furthermore, there's no need or benefit in





                                                          4277



                 requiring that this level of detail be

                 addressed by the -- at the board level.

                            This is a matter that should be

                 left to the discretion of each individual

                 institution.  And while some may wish to

                 retain this authority to individually appoint

                 appraisers, others may wish to establish

                 policies to be followed.

                            It is important that it be noted

                 that in response to the savings and loan

                 crisis, New York State now has a state law

                 which provides for the licensing and

                 certification of real estate appraisers.  This

                 has helped to strength and improve the

                 professionalism of the industry.

                            Also attached to this bill are

                 technical changes.  This bill includes a few

                 technical corrections.  It eliminates the

                 designation of paragraph B within Section

                 103.4 of the Banking Law.  The designation of

                 paragraph A had been eliminated back in 1984.

                 However, the statute still contains the

                 designation of paragraph B.  This designation

                 is meaningless and confusing.  The bill would

                 eliminate this outdated and unnecessary





                                                          4278



                 designation.

                            It enacts conforming changes to

                 Section 5 in the Banking Law in regard to the

                 use of one appraiser rather than two.  Laws

                 enacted in 1984 and '86 had eliminated the

                 requirement that state-chartered banks and

                 thrifts use two appraisers on every property.

                 The use of two appraisers was unnecessary and

                 simply resulted in higher costs of mortgage

                 loans.

                            However, Section 5 of the Banking

                 Law, which relates specifically to VA loans,

                 was inadvertently overlooked when these laws

                 were enacted in 1984 and 1986.  This bill

                 makes the conforming amendments to that

                 section.

                            SENATOR OPPENHEIMER:    That was

                 very thorough.

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer.

                            SENATOR OPPENHEIMER:    If the

                 Senator would yield for a couple of questions.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to a couple of questions

                 from Senator Oppenheimer?





                                                          4279



                            SENATOR FARLEY:    Senator, before

                 I yield, do you understand all of these

                 technical amendments?

                            SENATOR OPPENHEIMER:    Oh,

                 perfectly, thank you.  I have some other

                 questions, though.

                            SENATOR FARLEY:    I may ask you a

                 few questions on them.

                            (Laughter.)

                            SENATOR OPPENHEIMER:    Not a word.

                            SENATOR FARLEY:    Go ahead.

                            ACTING PRESIDENT KUHL:    Ladies

                 and gentlemen, I realize it's 4:00 in the

                 afternoon -

                            SENATOR OPPENHEIMER:    I'm sorry.

                 I'm sorry.

                            ACTING PRESIDENT KUHL:    -- and

                 I'm being very gracious in allowing you to

                 deviate from the rules, but the rules don't

                 allow for a dialogue back and forth in the

                 chamber, neither from you, Senator Farley, nor

                 from you, Senator Oppenheimer.

                            So I appreciate all your

                 conversations going through the chair.

                            And no, I'm not distracted by the





                                                          4280



                 phone.  I've been known to throw these, as a

                 matter of fact.  So please listen to and obey

                 to the rules of the house.

                            SENATOR FARLEY:    There will be no

                 more dialogue from this part of the chamber.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to a question?

                            SENATOR FARLEY:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            Thank you, Senator Oppenheimer.

                            SENATOR OPPENHEIMER:    Thank you

                 very much.  Mr. President, is there someone on

                 that phone or is this like Ernie and the

                 banana?

                            SENATOR FARLEY:    I think it's the

                 Banking Board.

                            (Laughter.)

                            SENATOR OPPENHEIMER:    Okay,

                 Senator, I actually have a pretty simple

                 question.  These appraisers, were they -- was

                 the law originally written that each single

                 bank would have to have their own appraisers?

                 Or was this a board of appraisers that could

                 be used by all of the -- each of the banks in





                                                          4281



                 that area?

                            SENATOR FARLEY:    The law was

                 originally each bank had to have its own

                 appraisers.  Each bank branch, if you will, or

                 whatever you wish.  Yup.

                            SENATOR OPPENHEIMER:    Okay.

                 Well, if you would yield again.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to a another question?

                            SENATOR FARLEY:    I will yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.  Thank you.

                            SENATOR OPPENHEIMER:    It would

                 seem, if they're small banks, for each of them

                 to have to acquire one or two appraisers -

                 since you said some of the instances of real

                 estate appraising required two appraisers

                 instead of one.  Certainly if it's a branch

                 where there is not that much activity, one can

                 see why a board that could handle several

                 banks, a board of appraisers would be logical.

                 Am I correct in -

                            SENATOR FARLEY:    Yes, I think

                 you're getting to the problem.  The bank can

                 set a policy, let's say, that this board could





                                                          4282



                 have several appraisers which could handle the

                 appraising for several branches.

                            SENATOR OPPENHEIMER:    I see.

                 Through you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you continue to yield to a question

                 from Senator Oppenheimer?

                            SENATOR FARLEY:    I certainly

                 will, Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR OPPENHEIMER:    Then the -

                 how shall we phrase this -- the mother bank

                 would have a board of appraisers that would be

                 able to service the various branches?

                            SENATOR FARLEY:    The mother bank

                 would have a policy as to how the

                 appraisers -- it leaves it open that each

                 individual bank could -- they could have a

                 policy which each individual branch could

                 appoint its own appraiser or they could have

                 appraisers that would service all the

                 branches.  Or -- in other words, it clarifies

                 the law, which was kind of ambiguous, and the

                 board didn't have do micromanage, if they





                                                          4283



                 didn't want to, all the appraisers of -- real

                 estate appraisers for the branches.

                            SENATOR OPPENHEIMER:    I think I'm

                 understanding.  Now, this bill isn't at the

                 request of the Banking Department -

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer.

                            SENATOR OPPENHEIMER:    Through

                 you, Mr. President, is there a reason that the

                 Banking Department hasn't said they're in

                 favor of this legislation?

                            SENATOR FARLEY:    Yes, it was

                 originally a department bill.  They are in

                 favor of it.  And the law needs to changed or

                 clarified, is a better way to put it.

                            SENATOR OPPENHEIMER:    Through

                 you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to another question?

                            SENATOR FARLEY:    I certainly do,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR OPPENHEIMER:    Would this

                 law and the change, the clarification that





                                                          4284



                 we're making to the law, would this apply to

                 all banks that are doing business in our

                 state?  You know, the federal and the state

                 and the foreign banks?

                            SENATOR FARLEY:    Just

                 state-chartered banks.

                            SENATOR OPPENHEIMER:    Just

                 state-chartered banks.

                            Now, are the federal -

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, are you asking Senator Farley to

                 yield to another question?

                            SENATOR OPPENHEIMER:    Yes,

                 please.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to another question?

                            SENATOR FARLEY:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields to a question.

                            SENATOR OPPENHEIMER:    In the

                 cases where a federal or foreign bank was

                 making a realty loan -

                            SENATOR FARLEY:    We are

                 conforming to the feds.

                            SENATOR OPPENHEIMER:    They are





                                                          4285



                 conforming -

                            SENATOR FARLEY:    No, we are

                 conforming to them.  We're leveling the

                 playing field and having our state-chartereds

                 have the same law apply to them that the

                 federal chartered banks have.

                            SENATOR OPPENHEIMER:    Oh, I see.

                 Okay, well, thank you very much.

                            SENATOR FARLEY:    My pleasure.

                            SENATOR OPPENHEIMER:    And I do

                 understand it now, and I certainly will be

                 supporting it.

                            SENATOR FARLEY:    Thank you.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane, why do you rise?

                            SENATOR DUANE:    If the sponsor

                 would yield, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield a question from Senator

                 Duane?

                            SENATOR FARLEY:    Yes, I will, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    As I recall,





                                                          4286



                 there was a time when the Banking Department

                 not only supported this bill, but it was one

                 of their program bills.  I'm wondering if they

                 now have a position on it or if they came to

                 the -

                            SENATOR FARLEY:    Yeah, I believe

                 I said that, that this -- I think it was last

                 year, was a -- this last year was a Banking

                 Department bill.  It is a bill that they

                 support.  They knew I was going to put it in

                 as Banking chairman.  It's been supported by

                 the Banking Committee, and it's on the floor

                 for your discussion.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to another question from

                 Senator Duane?

                            SENATOR FARLEY:    Mr. President, I

                 will yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Is there anything

                 different about this bill than the bill that





                                                          4287



                 was the program bill of the Banking

                 Department?

                            SENATOR FARLEY:    Just those

                 technical amendments which I -- it's a cleanup

                 bill, that I cleaned up some of the

                 inaccuracies, if you will, in the current law.

                 I read them all to you.

                            ACTING PRESIDENT KUHL:    Senator

                 Duane.

                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to another question?

                            SENATOR FARLEY:    Yes.  I

                 certainly will, Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Are there really

                 any bank boards now individually appointing

                 appraisers?

                            SENATOR FARLEY:    Yes, there are.

                            SENATOR DUANE:    And through you,

                 Mr. President, has the Banking Department -

                            ACTING PRESIDENT KUHL:    Excuse





                                                          4288



                 me.

                            Senator Farley, do you yield to

                 another question?

                            SENATOR FARLEY:    I will yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Has the Banking

                 Department or anyone else taken any action

                 against any bank that didn't use their board

                 to make the appointment?

                            SENATOR FARLEY:    No.

                            SENATOR DUANE:    And through you,

                 Mr. President, if the sponsor would continue

                 to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to another question?

                            SENATOR FARLEY:    I will yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Do we have any

                 sense of how many have been using their boards

                 to make the appointments and how many have

                 been doing it through another process, an

                 internal process?

                            SENATOR FARLEY:    I have no sense.





                                                          4289



                            SENATOR DUANE:    Through you, Mr.

                 President, if the sponsor would continue to

                 yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to a question?

                            SENATOR FARLEY:    I will yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DUANE:    Did the Assembly

                 take any action on the former bill, or do you

                 know what they're doing this year on it?

                            SENATOR FARLEY:    The Assembly has

                 not taken action on this.  I don't think they

                 have any objection to it.  We were in such a

                 rush to get out of here last year, because we

                 were a little late with things, and things

                 came together in a hurry.  And this is one

                 that fell between the cracks.

                            SENATOR DUANE:    And through you,

                 Mr. President, if the sponsor would continue

                 to yield.

                            SENATOR FARLEY:    Yes.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley yields.

                            SENATOR DUANE:    Do I take that to





                                                          4290



                 mean, then, that there is an Assembly sponsor

                 this year?

                            SENATOR FARLEY:    Not yet.  But I

                 think there will be.

                            SENATOR DUANE:    That's it.  Thank

                 you, Mr. President.

                            Thank you.

                            ACTING PRESIDENT KUHL:    Senator

                 Stavisky, why do you rise?

                            SENATOR STAVISKY:    I have one

                 question for the sponsor, if he would yield.

                            SENATOR FARLEY:    I will yield,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley yields.

                            SENATOR STAVISKY:    I think I

                 heard Senator Farley say that the federal

                 government has this benefit now.

                            SENATOR FARLEY:    That's correct.

                            SENATOR STAVISKY:    And did I hear

                 you say that -

                            ACTING PRESIDENT KUHL:    Senator

                 Stavisky, are you asking Senator Farley to

                 yield to another question?

                            SENATOR STAVISKY:    I'm sorry.





                                                          4291



                 Well, it's the same question.  Well, I haven't

                 had a -- all right, yes.

                            SENATOR FARLEY:    I will yield,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields to another question.

                            SENATOR STAVISKY:    How is this

                 going to affect foreign banks?  And I ask that

                 question because I have a great many foreign

                 banks in my area in Queens.

                            SENATOR FARLEY:    They can do it

                 by policy.  They're not affected by this.

                 This bill is specifically for our

                 state-chartered banks.

                            SENATOR STAVISKY:    Thank you.

                 That's what I thought.  Thank you.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato, why do you rise?

                            SENATOR ONORATO:    Senator Farley,

                 would yield to two questions, please?

                            SENATOR FARLEY:    I will yield,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley yields.

                            SENATOR ONORATO:    Senator Farley,





                                                          4292



                 are there any statutes or regulations that

                 currently could be used to help shape this new

                 clarification that you're trying to clean up

                 regarding the assessors?  Is there anything

                 that they can use, any other statutes?

                            SENATOR FARLEY:    No.

                            SENATOR ONORATO:    And through

                 you, Mr. President, one last question.

                            SENATOR FARLEY:    I will yield,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley yields.

                            SENATOR ONORATO:    Will the

                 Superintendent continue to review this aspect

                 if it becomes law?  Will the Superintendent

                 have the supervision over this aspect?

                            SENATOR FARLEY:    Yes, the

                 Superintendent in the Banking Department

                 examines all the banks.  You know, we'll go to

                 the bit if they're not appraising and they're

                 supposed to be appraising, they will be

                 penalized and so forth.

                            What this basically does, Senator

                 Onorato, is to kind of makes it uniform within

                 the banking industry as to how appraisers,





                                                          4293



                 real estate appraisers are appointed and kind

                 of lowers the cost, if you will, for a

                 consumer's loan on a mortgage.  And it's

                 certainly not high on anybody's agenda, but

                 anyway it's one that I think that we need to

                 do and correct the law.  There's some mistakes

                 written in the law which we're correcting.

                            ACTING PRESIDENT KUHL:    Senator

                 Onorato.

                            SENATOR ONORATO:    Through you,

                 Mr. President, will he continue to yield?

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to another question?

                            SENATOR FARLEY:    I certainly

                 will, Mr. President.

                            SENATOR ONORATO:    Thank you.

                            Senator, through our deregulation

                 bill that we passed, now we're removing a

                 portion of the Banking Law that the current

                 Superintendent had jurisdiction over.  This is

                 what the gist of my question was.  In view of

                 the fact we are now removing this now from

                 part of the regulations that were already in

                 existence, will the Superintendent continue to

                 have supervision over the policy?





                                                          4294



                            SENATOR FARLEY:    The Banking

                 Board -- incidentally, which is one of the

                 finest in the nation.  Our Banking Department

                 really does a great job -- will continue to

                 have supervision.  All this does is clarify

                 the law.  That's all this is doing, is

                 clarifying the current law because it's going

                 kind of ambiguous and confusing.

                            SENATOR ONORATO:    Thank you,

                 Senator.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, why do you rise?

                            SENATOR DOLLINGER:    Will Senator

                 Farley yield to a question, please?

                            SENATOR FARLEY:    I certainly

                 will.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DOLLINGER:    Senator, as I

                 understand this bill, this bill will

                 substitute a single appraiser's judgment for

                 now what is required that two or more people

                 participate in the valuation of a piece of

                 property.  I assume that the two or more

                 person language was placed in the statute to





                                                          4295



                 create two different opinions as to value

                 rather than the opinion of a single person.

                 Why is this a step forward in bank regulation

                 if we're substituting the single judgment for

                 what has previously been a two-person

                 judgment?

                            SENATOR FARLEY:    Not exactly,

                 Senator Dollinger.  Seldom have I ever heard

                 you say something that was inaccurate.  But

                 that's not quite accurate.

                            We repealed that two or more in the

                 '80s, that they had to have two or more.

                 Currently under this law and the law that's -

                 that we will be passing, they may have two or

                 more if they wish.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if Senator Farley will continue

                 to yield to a question, I'm willing to allow

                 the term "shall" to be interpreted any way it

                 wants to.  We've been -- in the course of the

                 last two days, we've been through "shall" so

                 many times, and we've learned that it really

                 means "may," it really means "might," it

                 really means that the Governor can do it

                 whenever he wants to.





                                                          4296



                            But I would call Senator Farley's

                 attention to line 20 on page 3, which says:

                 "Current language now says such appraised

                 value shall be determined by two or more

                 persons."  That bracketed section is now what

                 we're repealing.

                            SENATOR FARLEY:    That -- I know,

                 that is the law that relates to only to VA

                 loans, Veterans Administration loans.

                            SENATOR DOLLINGER:    Again through

                 you, Mr. President, I must be confused.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, you're asking Senator Farley to

                 continue to yield?

                            SENATOR DOLLINGER:    Yes, please,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield?

                            SENATOR FARLEY:    Yes, I'd be

                 pleased to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley yields.

                            SENATOR DOLLINGER:    This says

                 that no such loan upon the security of real

                 estate -- I'm referring to line 15 on page 3.





                                                          4297



                 It makes reference to a paragraph of

                 subdivision 1 of Section 5 of the Banking Law.

                 Now, I'm going to assume that Section 5 of the

                 Banking Law is right up front in the Banking

                 Law and constitutes the general provisions of

                 banking -- circumstances under which banks can

                 operate.

                            SENATOR FARLEY:    Only VA loans.

                            SENATOR DOLLINGER:    Section 5 -

                            SENATOR FARLEY:    It's only VA

                 loans, Veterans Administration loans.  Trust

                 me.

                            SENATOR DOLLINGER:    I do.

                            Through you, Mr. President, under

                 this -

                            SENATOR FARLEY:    I will yield,

                 Mr. President.

                            SENATOR DOLLINGER:    Thank you,

                 Senator Farley.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley yields.

                            SENATOR DOLLINGER:    Under this

                 section of the bill we have previously

                 required that we have two appraisers, two

                 people make a determination of value about VA





                                                          4298



                 loans.  Senator Farley, those loans are the

                 best loans we can make, that any bank can

                 make, because they're backed by the full faith

                 and credit of the United States.  Those are

                 the VA loans.

                            My question is, why, if we've had

                 the protection of two people determining value

                 for federally backed loans -

                            SENATOR FARLEY:    We only require

                 one.

                            SENATOR DOLLINGER:    Well, again

                 Mr. President, if Senator Farley will continue

                 to yield, I'll just read the current law as it

                 appears in -

                            ACTING PRESIDENT KUHL:    Senator

                 Farley -- excuse me, Senator Dollinger.

                            Senator Farley, do you continue to

                 yield?

                            SENATOR FARLEY:    Federal law

                 requires one.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if Senator Farley will continue

                 to yield, since I didn't even get the question

                 out of my mouth.

                            ACTING PRESIDENT KUHL:    Senator





                                                          4299



                 Dollinger, I -

                            SENATOR FARLEY:    We were

                 inconsistent.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, I'm enjoying this conversation, but

                 I'm standing here and every time I look at

                 that seat, I see Senator Paterson.  And I

                 don't know whether you have decided to vacate

                 the Minority Leader's seat or whether it's

                 something that Senator Onorato said earlier

                 today that causes you to be not in your seat.

                            SENATOR DOLLINGER:    Yes, I

                 understand, Mr. President.  I'll be glad to go

                 to the one that has my name on it.

                            ACTING PRESIDENT KUHL:    That

                 would make me much happier.

                            SENATOR DOLLINGER:    Thank you,

                 Mr. President.  I could go either way, you're

                 saying, but not stay in -

                            ACTING PRESIDENT KUHL:    Well, I

                 won't go into a dialogue with you about that

                 last statement of yours.  But are you asking

                 Senator Farley to yield to a question?

                            SENATOR DOLLINGER:    Yes, Mr.

                 President.





                                                          4300



                            SENATOR FARLEY:    I will yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DOLLINGER:    What I'm

                 trying to understand is under current law, as

                 I understand you've explained it to me, if

                 it's a VA loan, in New York we require that

                 the appraised value of the property for the

                 purpose of advancing the loan, that it be done

                 with the -- with two people being involved in

                 the appraisal.  And it's my understanding that

                 you've responded to me by saying federal law

                 says you only have to have one.

                            SENATOR FARLEY:    That's right.

                            SENATOR DOLLINGER:    My question,

                 through you, Mr. President, is -

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you continue to yield?

                            SENATOR FARLEY:    I do.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DOLLINGER:    If New York

                 State believed that two appraisers was the

                 right number in the first instance at some

                 prior point, what has happened to convince us





                                                          4301



                 that we should back off from that combined

                 value to the judgment of a single person?  Why

                 not continue to use two, regardless of what

                 the federal government does?

                            SENATOR FARLEY:    It should be

                 noted that during the savings and loan crisis,

                 New York now has a state law which provides

                 for the licensing and certification of real

                 estate appraisers.  This has helped to

                 strengthen and improve the professionalism of

                 the industry.  I said that.

                            Also, it's more expensive because

                 the homeowner or the person getting the

                 mortgage has to pay for that, and there's no

                 need for it.  Federal law, the VA law says you

                 only need one appraiser, and we're conforming

                 to that.

                            SENATOR DOLLINGER:    Through you,

                 Mr. President, if Senator Farley will continue

                 to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield?

                            SENATOR FARLEY:    Yes.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.





                                                          4302



                            SENATOR DOLLINGER:    Under current

                 law, Senator Farley, the bank could use two

                 appraisers; correct?

                            SENATOR FARLEY:    That's correct.

                            SENATOR DOLLINGER:    So -- through

                 you, Mr. President, if Senator Farley will

                 continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you continue to yield?

                            SENATOR FARLEY:    I continue.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR DOLLINGER:    So under

                 current law, we have an extra layer of

                 protection for the bank making the loan,

                 because we require that two appraisers

                 determine the value for the VA loan; is that

                 correct?

                            SENATOR FARLEY:    No, I don't

                 think that's correct.  You're calling it an

                 extra layer of protection.  I call it an extra

                 expense that, generally speaking, the entire

                 industry, including the Banking Board and

                 this -- unanimously in the Senate last year,

                 felt that that was unnecessary.





                                                          4303



                            Now, if that particular bank feels

                 it is terribly important for them to have two

                 appraisers, I guess they still can have that.

                 But there's no need of it, in my judgment,

                 particularly if you have a licensed

                 professional appraiser.  And it's one that

                 allowed them to set a policy to have one

                 appraiser.

                            SENATOR DOLLINGER:    Okay.

                 Through you, Mr. President, first of all, I

                 appreciate Senator Farley's education of this

                 member.

                            I'm going to vote in favor of this.

                 I guess what Senator Farley has convinced me

                 is that if the federal law only requires one,

                 and if by -- we have an assurance that we have

                 a higher quality brand of professional

                 providing these services, I guess under those

                 circumstances I'm willing to take a small step

                 back from what was, at least in my judgment, a

                 stronger form of protection for the banking

                 system.  And that is that before loans,

                 whether they're government-insured VA loans or

                 not, that banks were required to have two

                 opinions as to value before they made a





                                                          4304



                 judgment about the amount that they would loan

                 on a particular piece of property.

                            I would suggest, Senator Farley,

                 and at least in my practice as a lawyer,

                 despite the greater professionalism -- and I

                 believe that our appraisers are pretty good in

                 this state, at least the ones that I've dealt

                 with.  But nonetheless, Senator Farley, as I'm

                 sure you realize, I have been faced, as have

                 others, with two certified appraisers giving

                 very significant differences in the property

                 value.

                            And my concern is that by going to

                 a single appraisal, the banks may be exposing

                 themselves to greater risk.  If they want to

                 do that, from my point of view that's really

                 their choice, and I will abide by their

                 policy-setting.  I would just suggest that

                 there clearly will be instances where two

                 appraisers should look at a piece of property.

                 And I would hope that the Banking Department

                 would encourage state banks to consider two

                 appraisers in certain required circumstances.

                            I'll leave that to the discretion

                 of individual banks.  But I wouldn't like to





                                                          4305



                 think that we're telling banks that in every

                 single instance, only one appraiser is

                 necessary.

                            Thank you, Mr. President.

                            SENATOR FARLEY:    Thank you, Mr.

                 President.  On the bill.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, on the bill.

                            SENATOR FARLEY:    This law does

                 exactly what you say it should be doing.  It

                 gives that bank the option to have two

                 appraisers if they feel it's necessary.  They

                 still can do that.  And there's times when you

                 may want two appraisers, and this law allows

                 them to have that if they wish it.

                            But truly, it's in the benefit of

                 the consumer, because it raises costs to have

                 a couple of appraisers, and sometimes it's not

                 necessary.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski.

                            SENATOR STACHOWSKI:    Mr.

                 President, if Senator Farley would yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to a question?





                                                          4306



                            SENATOR FARLEY:    Certainly.

                            SENATOR STACHOWSKI:    I heard a

                 lot of your explanation on the appraisers.

                 However, when you were explaining to Senator

                 Oppenheimer the technical pieces, I couldn't

                 hear it.  And it wasn't your fault.  There was

                 a lot of conversation in this general area,

                 and I just couldn't hear it.

                            So if you wouldn't mind going over

                 that for me quickly, and then I might have a

                 couple of other questions.  But I'm really

                 serious about that.  Thanks.

                            SENATOR FARLEY:    Okay.  This bill

                 contains a few technical corrections.  It

                 eliminates the designation of paragraph B

                 within Section 103.4 of the Banking Law.  The

                 designation of paragraph A had been eliminated

                 in 1984.  However, the statute still contains

                 the designation of paragraph B.  This

                 designation is meaningless and confusing.  The

                 bill would eliminate this outdated and

                 unnecessary designation.

                            It also enacts conforming changes

                 to Section 5 of the Banking Law in regard to

                 the use of one appraiser rather than two.





                                                          4307



                 Laws in 1984 and 1986 had eliminated the

                 requirement that state-chartered banks and

                 thrifts use two appraisers on every property.

                 The use of two appraisers was unnecessary and

                 simply resulted in higher costs for mortgage

                 loans.  However, Section 5 of the Banking Law,

                 which relates specifically to VA loans, was

                 inadvertently overlooked when these laws were

                 enacted in 1984 and 1986.  This bill makes

                 conforming amendments to that section.

                            SENATOR STACHOWSKI:    Mr.

                 President, through you.

                            ACTING PRESIDENT KUHL:    Senator

                 Farley, do you yield to a question?

                            SENATOR FARLEY:    I'll yield.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR STACHOWSKI:    The

                 technical changes had to do with that VA part,

                 or it was just taking other parts out,

                 unnecessary parts of the bill?

                            SENATOR FARLEY:    It took out

                 unnecessary parts and also specifically spoke

                 to the VA part.

                            SENATOR STACHOWSKI:    Thank you,





                                                          4308



                 Senator.

                            On the bill.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski, on the bill.

                            SENATOR STACHOWSKI:    I had asked

                 some of the questions on the appraisers when

                 we were in committee, and Senator Farley gave

                 me answers that were satisfactory to me.  At

                 first I was concerned that maybe we were doing

                 this change because the bank boards didn't

                 want to have extra meetings or we didn't want

                 to burden those very busy people that are on

                 bank boards getting that particularly

                 attractive stipend that they get for serving

                 on them, and we wouldn't want to overburden

                 them with a lot of extra work because they

                 might have to increase that attractive stipend

                 that they currently get.  Sometimes in

                 multiple cases.

                            I think it was Senator Volker that

                 once told me he used it find it particularly

                 embarrassing that no matter what kind of bank

                 you named in the early '80s, Senator Barclay

                 would get up and recuse himself because he was

                 on the board.  So, I mean, that was -- and





                                                          4309



                 Dale always said that he would love one time

                 to be able to do that.

                            But anyway, I found his answers

                 satisfactory.  I believe that the Banking

                 Department wouldn't be behind this if they

                 thought there was an extended risk to the

                 people that deal with the banks or to the

                 banks themselves by changing this to set up

                 all appraisers available at once and that the

                 use of one appraiser should be sufficient.

                            Not being a lawyer, I don't find

                 all the difficulties that lawyers seem to find

                 in a lot of these kinds of changes.  But then

                 again, I don't find a lot of the difficulties

                 in everyday live that a lot of the lawyers

                 seem to find.  So anyway, with that being

                 said, I'm going to support this bill and thank

                 Senator Farley for his time and gracious

                 explanation.

                            ACTING PRESIDENT KUHL:    Is there

                 any other Senator wishing to speak on the

                 bill?

                             Senator Brown.

                            SENATOR BROWN:    Through you, Mr.

                 President, would Senator Farley yield for a





                                                          4310



                 few questions?

                            SENATOR FARLEY:    I would yield,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR BROWN:    Senator Farley,

                 I've read the legislation, and I think I

                 understand it.  But can you tell me, do you

                 think that bank appraisers can contribute to

                 redlining?

                            SENATOR FARLEY:    I can't see

                 where they would be involved in that, Senator.

                 A bank appraiser basically goes out and

                 establishes the value of a piece of property

                 to protect the bank's investment in that

                 property.  If they've got a personal agenda, I

                 don't think they're going to be working for

                 the bank for very long.

                            SENATOR BROWN:    Thank you.

                            Through you, Mr. President, would

                 Senator Farley yield for another -

                            SENATOR FARLEY:    I would yield,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields to another question.





                                                          4311



                            SENATOR BROWN:    Thank you,

                 Senator.

                            In this are there any provisions

                 for the banking boards to look at diversity in

                 terms of the hiring of appraisers?

                            SENATOR FARLEY:    No, not that I

                 know of.

                            SENATOR BROWN:    Thank you,

                 Senator.

                            ACTING PRESIDENT KUHL:    The

                 Secretary will read the last section.

                            THE SECRETARY:    Section 6.  This

                 act shall take effect immediately.

                            ACTING PRESIDENT KUHL:    Call the

                 roll.

                            (The Secretary called the roll.)

                            THE SECRETARY:    Ayes, 57.

                            ACTING PRESIDENT KUHL:    The bill

                 is passed.

                            Senator Bonacic.

                            SENATOR BONACIC:    Mr. President,

                 can we call up Calendar Number 274, by Senator

                 Libous, please.

                            ACTING PRESIDENT KUHL:    The

                 Secretary will read.





                                                          4312



                            THE SECRETARY:    Calendar Number

                 274, by Senator Libous, Senate Print 2900, an

                 act to amend the Tax Law, in relation to

                 extending the authorization.

                            SENATOR DOLLINGER:    Explanation,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, an explanation of Calendar Number 274

                 has been requested by Senator Dollinger.

                            SENATOR LIBOUS:    Thank you, Mr.

                 President.  This piece of legislation has come

                 to us through the Tioga County Legislature,

                 who voted to ask us to extend the sales tax

                 extender so that they could raise an

                 additional half a percent in sales tax for the

                 County of Tioga.

                            ACTING PRESIDENT KUHL:    Senator

                 Gentile, why do you rise?

                            SENATOR GENTILE:    Yes, if Senator

                 Libous would yield to questions.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to a question?

                            SENATOR LIBOUS:    Mr. President, I

                 would be pleased to yield to Senator Gentile.

                            ACTING PRESIDENT KUHL:    The





                                                          4313



                 Senator yields.

                            SENATOR GENTILE:    Thank you, Mr.

                 President.  And thank you, Senator Libous.

                            Through you, Mr. President, I'll

                 just ask the sponsor, do you agree that at

                 this point in time our state is actually

                 moving in the direction of repealing the tax

                 sales tax on items, particularly clothing and

                 footwear?

                            SENATOR LIBOUS:    Mr. President, I

                 was very proud to be a cosponsor of that

                 legislation.  As a matter of fact, when I

                 first ran for the Senate in 1988, because I

                 live in the Southern Tier and, Senator

                 Gentile, south of us is the Pennsylvania

                 border.  And at that time, and as it is today,

                 people could go to Pennsylvania and purchase

                 clothing with no sales tax.  As a matter of

                 fact, many people would go in busloads, and

                 leave the State of New York.

                            And I was a proponent back then of

                 trying to remove sales tax on clothing.  Back

                 then my proposal was $500 or less.  I was very

                 pleased when this house, in conjunction with

                 Governor Pataki, took a very big move several





                                                          4314



                 years ago and eliminated the sales tax on

                 clothing on items of $110 or less.

                            So, you know, I'm a bill proponent

                 of that.  I would like to see us go further as

                 a body to $500, and that's very important.

                            However, Mr. President, this

                 particular piece of legislation is designed a

                 little bit different, where this is something

                 that the local entity, Tioga County, chose -

                 and by the way, that county has chose not to

                 reduce their sales tax on clothing, like other

                 individual counties have.

                            Now, in Broome County, where I

                 live, Mr. President, they chose to also

                 eliminate their share of the sales tax on

                 clothing.  But Tioga County did not, because

                 they had some debts that had to pay off and

                 they felt that that was a better way of taking

                 care of those debts rather than passing them

                 on to the property taxpayer.

                            One of the reasons for that, Mr.

                 President, is because Tioga County is a rural

                 county in which we have a lot of farms.  And

                 to pass that on to the farmer would not be a

                 good thing.





                                                          4315



                            ACTING PRESIDENT KUHL:    Senator

                 Gentile.

                            SENATOR GENTILE:    If the sponsor

                 would continue yield.

                            SENATOR LIBOUS:    I would be

                 honored to.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous yields.

                            SENATOR GENTILE:    Thank you, Mr.

                 President.

                            First of all, I'm shocked to hear

                 that Tioga County has not taken the lead of

                 the Governor and the Legislature in this state

                 and followed the path to reduction of the

                 sales tax.  Certainly that is shocking to

                 hear.

                            My question to you, Senator, is

                 that in practical terms, how much has this

                 increase percentage in the sales tax brought

                 to Tioga County?

                            SENATOR LIBOUS:    About

                 $1.6 million annually.

                            SENATOR GENTILE:    Did you say

                 million?

                            SENATOR LIBOUS:    $1.6 million.





                                                          4316



                            SENATOR GENTILE:    $1.6 million

                 annually.

                            Well, Senator, I'm not sure, not

                 having known any of the -- and I'd ask the

                 Senator to continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you continue to yield?

                            SENATOR LIBOUS:    Yes, Mr.

                 President, I will.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR GENTILE:    Not knowing any

                 of the officials in Tioga County, I'm

                 wondering if you or someone on your staff has

                 shared with them the wonderful economic

                 stimulus that a repeal of the sales tax on

                 clothing and shoes, particularly that we have

                 led, has made around the state of New York,

                 particularly in the City of New York, and

                 maybe even in Broome County also.  Have you

                 been able to share that good news with Tioga

                 County?

                            SENATOR LIBOUS:    Mr. President,

                 would Senator Gentile yield to a question?

                            SENATOR GENTILE:    Sure.





                                                          4317



                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR LIBOUS:    Mr. President,

                 has Senator Gentile ever been to Tioga County?

                            SENATOR GENTILE:    I have never

                 been to -- actually, drove through Tioga

                 County.  Never stopped in Tioga.

                            SENATOR LIBOUS:    That's

                 unfortunate, Mr. President, because I would

                 hope the next time Senator Gentile drives

                 through Tioga County that he would have an

                 opportunity to stop there and visit some of

                 the people.

                            Let me, Mr. President, answer the

                 Senator's question.  Tioga County is a

                 wonderful place in which the local officials,

                 who I have tremendous respect for, like I do

                 in all three of the counties that I represent,

                 have made a decision.  They were elected by

                 the people of that county, and they meet on a

                 regular basis and they made a decision.  I

                 respect the decision that they made, sent us a

                 home rule message.

                            And because of that, I think it is

                 proper for this body to carry out their





                                                          4318



                 wishes, because I believe that government

                 closest to the people is the best.  And that

                 in this case we have government very close to

                 the people.  And their decision is to take

                 this half a percent and put it toward bond

                 indebtedness.

                            Mr. President, earlier today a

                 number of people on the other side of the

                 aisle voted against debt.  And I certainly

                 respect that.  And certainly the legislators

                 in Tioga County want to continue paying down

                 their debt.  So they take the money from this,

                 and they put it toward their bond

                 indebtedness, whether it be on the county jail

                 that they were mandated to build by the state,

                 or other items that have been mandated by the

                 State of New York.

                            So, Mr. President, yes, I think

                 they're very much aware of the importance -

                 that the sales tax reduction on clothing, as

                 Senator Gentile mentions, is important.  But

                 at the same time, I do believe that government

                 closest to the people is the most responsible

                 and responsive government.

                            SENATOR GENTILE:    If the Senator





                                                          4319



                 would continue to yield.

                            SENATOR LIBOUS:    Yes, Mr.

                 President, I will.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous yields.

                            SENATOR GENTILE:    Thank you,

                 Senator.  I agree with you that government

                 closest to the people can be the most

                 responsible at times.

                            But when that government closest to

                 the people is also a tax-and-spend government,

                 then wouldn't you agree with me, Senator, that

                 the best fiscally conservative approach to

                 proceed with in this state is to put money

                 back in the pockets of the residents of Tioga

                 County, and wouldn't that be the most fiscally

                 conservative and prudent and best way rather

                 than a tax-and-spend approach of Tioga County?

                            SENATOR LIBOUS:    Well, Mr.

                 President, one might think that.  But in this

                 case I believe what they're doing is they're

                 saving the taxpayers money.  Because by taking

                 a broad approach and taking this half a

                 percent and paying off the bond indebtedness

                 on the jail and other items, they -- by doing





                                                          4320



                 that, they don't have to raise property taxes.

                 And property taxes, especially in a rural

                 county, when you have large farms, is

                 devastating.

                            And then at the same time, the

                 State of New York of which we are responsible

                 in passing legislation for, has passed a

                 number of important tax measures that have

                 helped businesses and have helped property

                 owners.  Obviously the STAR program comes to

                 mind.

                            So I think what the county

                 legislature is doing here is a prudent

                 approach.  And actually, by collecting an

                 extra half a percent, over the long run what

                 they're doing is they're reducing the burden

                 to the property taxpayer.  So I think this is

                 a very prudent approach, and therefore I

                 support it.

                            SENATOR GENTILE:    Senator, thank

                 you.  If I can continue and -- if the Senator

                 would continue to yield for a question or two

                 more.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you continue to yield?





                                                          4321



                            SENATOR LIBOUS:    Be happy to, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator continues to yield.

                            SENATOR GENTILE:    Senator, then

                 the question -- I think you mentioned it, with

                 the addition of the STAR property tax cut and

                 all the other benefits that all New Yorkers

                 now receive through the STAR program.  I'm

                 curious as to when was the last time Tioga

                 County was forced to raise their property

                 taxes.

                            SENATOR LIBOUS:    You know, Mr.

                 President, again, I would revert back to my

                 philosophy.  And my philosophy is that the

                 government closest to the people governs best.

                 And I try not to get involved in the

                 day-to-day operation of Tioga County or the

                 decisions that the county legislators make.

                 Because again, they too were representatives

                 of the people.

                            So I don't know the last time that

                 Tioga County raised its property taxes.  But

                 I'm sure that if we were able to contact the

                 county legislature, they might be able to





                                                          4322



                 provide us with that information.

                            SENATOR GENTILE:    If the Senator

                 will continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield?

                            SENATOR LIBOUS:    Be happy to, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR GENTILE:    Senator, the

                 only reason I asked that question is because

                 you have used that as a condition for having

                 this tax raised, so that property taxes would

                 not have to go up.  If we found out that

                 property taxes have not gone up in Tioga

                 County in quite some time, then wouldn't you

                 agree that this reason for having an increase

                 in the sales tax is really nonexistent?

                            SENATOR LIBOUS:    You know, Mr.

                 President, we pass a number of major pieces of

                 legislation here on an annual basis, and some

                 years quicker than others.  But we do pass

                 very important legislation that impacts the

                 people of New York State.

                            And I know that it's always





                                                          4323



                 well-intended that when I vote for a tax cut,

                 that it is my hope that the local government

                 doesn't pile on later on.  Because I know that

                 this house, under Senator Bruno's leadership,

                 has been very concerned over the years about

                 additional mandates to local governments and

                 adding an additional tax burden to those

                 particular areas of the state that feel that

                 state government piles onto.

                            And because of that, Mr. President,

                 it is always with good intention that we pass

                 tax cuts that we would hope get passed on at

                 the local level.  However, as a state

                 official, I have no control over what my

                 county legislature does or my city council

                 does.  And if they wish to pile on, which

                 would be unfortunate, that again is certainly

                 their decision.

                            SENATOR GENTILE:    If the Senator

                 would continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous?

                            SENATOR LIBOUS:    I would

                 certainly do so.

                            ACTING PRESIDENT KUHL:    The





                                                          4324



                 Senator yields.

                            SENATOR GENTILE:    Well, Senator,

                 I guess what I'm asking you is that -- and I

                 understand your philosophy on tax cuts and

                 applaud you and stand shoulder to shoulder

                 with you, although you're somewhat taller than

                 I am.

                            But I ask you that with that

                 philosophy and what you have espoused in terms

                 of tax cuts, why not join me and the others

                 who believe that cutting the sales tax across

                 this state in every county is the right thing

                 to do and therefore lead a campaign to

                 convince the local officials in Tioga County

                 that they're doing the wrong thing?

                            SENATOR LIBOUS:    Well, Mr.

                 President, I see it in a different view.  I

                 see Senator Gentile and his colleagues

                 following Senator Bruno and us as far as

                 leading the fight to cut taxes and sales tax

                 on clothing in this state.

                            And certainly, Senator Gentile, I

                 will continue to try to convince those local

                 officials that what the Senate Majority here

                 is doing in Albany, in conjunction with the





                                                          4325



                 Governor, is the right thing to do.

                            However, again, they are elected by

                 the people, they have a right to pass

                 resolutions and laws.  And we have a right to

                 honor those resolutions and laws.  And in this

                 case, I feel that when the majority of the

                 county legislature, both the Democrat and

                 Republican, say to me as their elected

                 representative that we need assistance in this

                 particular legislation, I'm here to give it to

                 them.

                            SENATOR GENTILE:    If the Senator

                 would continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous?

                            SENATOR LIBOUS:    I'd be happy to,

                 Mr. President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR GENTILE:    So, Senator,

                 are you saying in essence that although you

                 don't agree with the officials in Tioga County

                 you nevertheless will sponsor this legislation

                 because that's their will?

                            SENATOR LIBOUS:    I believe in the





                                                          4326



                 will of the people, Mr. President.  I believe

                 the will of the people is being carried out

                 through the elected representatives at the

                 local level.  Therefore, it is upon us to do

                 what they feel is best.  And that's what we

                 are doing here today, Mr. President.

                            SENATOR GENTILE:    If the Senator

                 would continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to another question?

                            SENATOR LIBOUS:    I will do so.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR GENTILE:    Well, Senator,

                 then I'm forced to ask you this question,

                 then.  Do you believe it's the will of the

                 people to go ahead and have a sales tax

                 increase imposed upon them?

                            SENATOR LIBOUS:    Again, Mr.

                 President, I think if Senator Gentile had an

                 opportunity to stop in Tioga County at some

                 point -- and I'm going to invite him today to

                 do that, because I think that's important.

                 And if he had an opportunity just to walk down

                 the streets of the village of Owego and talk





                                                          4327



                 to some of the people there, he would find -

                 I really believe this in my heart -- that

                 overwhelmingly they would prefer a half a

                 percent increase in sales tax over increased

                 property taxes.

                            And again, they have elected these

                 individuals.  These individuals meet on

                 regular basis.  They make decisions.

                 Sometimes the decisions are good decisions.

                 And I'm sure maybe in the past, from time to

                 time, they might have made one or two bad

                 decisions.

                            But again, they feel that this is

                 what is in the best interests of their county.

                 As their state elected representative, I'm

                 going to carry out their best wishes and try

                 to do it here today before the end of the

                 afternoon.

                            SENATOR GENTILE:    If the Senator

                 would yield to one more question.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to one more question?

                            SENATOR LIBOUS:    I certainly

                 will, Mr. President.

                            ACTING PRESIDENT KUHL:    The





                                                          4328



                 Senator yields.

                            SENATOR GENTILE:    Senator, what I

                 hear you saying, what I hear you saying is

                 that you wish you really didn't have to bring

                 this bill to the floor, that frankly, frankly,

                 you would join the rest of us on this campaign

                 to cut sales taxes across the board in every

                 county of this entire state, and yet your hand

                 is forced, you're saying, because the County

                 of Tioga -- and I've been through Owego, the

                 County of Tioga -- never stopped there, but

                 been through it -- the County of Tioga, for

                 whatever reason -- maybe they can't see that

                 border in Pennsylvania.  Maybe it's the reason

                 that I said, it's a tax-and-spend local

                 government.  They're going to push this bill.

                 Should we be party to that, Senator?

                            SENATOR LIBOUS:    Mr. President,

                 having won 86 percent of the vote in Tioga

                 County, I feel confident that this is the

                 right thing to do for the people.

                            SENATOR GENTILE:    Thank you,

                 Senator.

                            On the bill, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator





                                                          4329



                 Gentile, on the bill.

                            SENATOR GENTILE:    Mr. President,

                 I appreciate Senator Libous's answers to my

                 questions.  And certainly it's a pleasure

                 having that conversation with him.

                            But it still comes down to the

                 bottom line.  The bottom line is that the

                 sales tax that is being proposed here is the

                 exact type of sales tax that this state, over

                 the last several years, has sought to

                 eliminate.  The fact that Tioga County has not

                 jumped on that bandwagon is at the detriment,

                 is at the detriment of the people in Tioga

                 County.

                            And certainly I'm willing to come

                 and visit the people in Tioga -- as I said on

                 my way to Cornell University, always drove

                 through Owego -- but certainly willing to meet

                 with them.  Because I think if they saw what

                 the benefits were in New York City and

                 elsewhere in this state as to what an economic

                 engine it is to cut the sales tax and put that

                 money back into the pockets of the people of

                 the State of New York, that would convince

                 them that any half-percent increase in sales





                                                          4330



                 tax is by far the less preferable than the

                 economic engine of putting the money back in

                 the pocket of the people in this state.

                            And that's why I think we've moved

                 forward in repealing the sales tax at $110.

                 My next step, and I hear it's your next step,

                 is to make it a $500 limit on the repeal of

                 the sales tax on clothing and shoes.  I'm glad

                 to hear that, Senator Libous.  I will join you

                 in that effort.

                            However, I cannot join you in this

                 effort, on principle, and I will be voting no.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski, why do you rise?

                            SENATOR STACHOWSKI:    Would

                 Senator Libous yield to a couple of questions,

                 please.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield?

                            SENATOR LIBOUS:    Be happy to, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR STACHOWSKI:    Right off

                 the bat, prefacing my first question, I'm not





                                                          4331



                 sure if I've ever been in Tioga County or not.

                 But I have been in Binghamton.

                            SENATOR LIBOUS:    Mr. President, I

                 would extend the same invitation to Senator

                 Stachowski.

                            SENATOR STACHOWSKI:    And I've

                 been in Binghamton more than once, for -- way

                 back, for a bunch of coaching clinics when I

                 was coaching in high school.  Most of those

                 stories I will share with you sometime, but

                 not on this floor.

                            Anyway, I'm curious about why it

                 was a half a percent in the first place and

                 not a whole percent.  Because it would seem to

                 me it would be a little difficult for all the

                 merchants, et cetera, that do sales tax.  So

                 why did they do a half a percent?

                            SENATOR LIBOUS:    I believe, Mr.

                 President, because Tioga County is a very

                 conservative county.

                            (Laughter.)

                            SENATOR STACHOWSKI:    Thank you,

                 Senator.

                            If the Senator would continue to

                 yield.





                                                          4332



                            ACTING PRESIDENT KUHL:    Senator

                 Libous?

                            SENATOR LIBOUS:    Yes, I will.

                            ACTING PRESIDENT KUHL:    He yields

                 to another question.

                            SENATOR STACHOWSKI:    If this is

                 retiring some of their debt services, that's

                 what this sales tax is used for?  And you said

                 it's about -- did you say 1.6?

                            SENATOR LIBOUS:    It's

                 approximately 1.6, Mr. President.

                            SENATOR STACHOWSKI:    The question

                 is, what was it when it started and how much

                 has it grown?  If you know.  You may not know

                 that.  But I don't know.

                            SENATOR LIBOUS:    Mr. President, I

                 think I can best answer Senator Stachowski's

                 question by saying that the half a percent

                 goes toward the debt on the jail.  It is my

                 best understanding, Mr. President, that that

                 debt was about $10 million.  And there are

                 about 10 to 15 years remaining, somewhere in

                 that time period, on the bond indebtedness,

                 with both the amount of principal and

                 interest.  And what they try to do is pay





                                                          4333



                 toward this each year with that percentage.

                            SENATOR STACHOWSKI:    If the

                 Senator would continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to another question?

                            SENATOR LIBOUS:    Yes, I will.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR STACHOWSKI:    So this

                 particular sales tax piece, as opposed to most

                 of the other ones that we see, is just

                 dedicated strictly for the jail?  Or is there

                 any other debt service that it's dedicated

                 for?

                            SENATOR LIBOUS:    Mr. President,

                 the ranking member of the Finance Committee is

                 quite astute in that this particular half a

                 percent is unique from other sales tax

                 extenders.  In that this half a percent, as

                 the Senator indicates, does go toward the bond

                 indebtedness, which is the indebtedness on the

                 jail and I believe on a couple of other

                 capital projects that were thrown into that

                 bond.

                            So, Mr. President, Senator





                                                          4334



                 Stachowski is correct, and this is different

                 from other extenders that we have done.

                            SENATOR STACHOWSKI:    On the bill.

                            Thank you, Senator.

                            ACTING PRESIDENT KUHL:    Senator

                 Stachowski, on the bill.

                            SENATOR STACHOWSKI:    Because this

                 is so much different than most sales taxes,

                 and I'm sure that with it being a rural county

                 and a conservative kind of people that

                 wouldn't want an extra tax on themselves

                 unless it benefited them in the long run -

                 and obviously if this is dedicated only to

                 their debt service reduction -- I'm going to

                 probably support this.  It seems to me like

                 it's probably not a bad idea.

                            I know in Erie County one of the

                 problems that we constantly get faced with is

                 they have a 1 percent that the county gets and

                 it's grown immensely.  It's over a hundred

                 million dollars, I think.  And the problem is

                 that all the localities and school districts

                 that signed off on the county getting that,

                 way back when we first started it -- and they

                 originally put it in for the reduction of the





                                                          4335



                 Dome Stadium payments.  And once that was

                 done, they kept it.  And it continues to grow.

                            And the city, which is financially

                 probably the worst off, is hurt because they

                 can't get a share of that extra 1 percent.

                 And the school districts, which are always

                 looking for a little extra money rather than

                 raise taxes, are up against it because they

                 can't get their normal percentage of that

                 extra 1 percent.

                            And the county does some kind of

                 interesting things how -- talking about how

                 fiscally responsible they are and how they

                 have money always and everybody else is

                 looking to raise taxes.  And oftentimes when

                 people make the request, they'll say, well, if

                 you were as fiscally responsible as we were,

                 and as finding good ways of spending your

                 money and not taxing, you would have money,

                 you wouldn't have to come to us for it.

                            And yet most of us that observe

                 this from afar notice that that 1 percent

                 keeps growing.  And that extra hundred million

                 dollars -- probably it's close to between 110

                 and 120 now -- is a pretty nice fallback





                                                          4336



                 package that nobody else had available to

                 them.  And yet they continue to keep it to

                 themselves.

                            And I'm not saying that that's

                 entirely wrong, but to take the attitude that

                 we don't have to share it, you guys don't do

                 as good a job as we do, because we are

                 financially sounder, when everybody pretty

                 much knows they're financially sounder because

                 of this wonderful hundred plus million dollars

                 that comes every year because of that

                 1 percent, it's rather interesting.

                            And the most interesting part, from

                 my perspective, is that one of my

                 predecessors -- not the immediate predecessor,

                 but the one before him, who Senator Marchi

                 would know and a few of other members that are

                 here, probably Senator Johnson.  Because if

                 Jimmy Griffin was here, he'd be as popular as

                 Senator Johnson is.  And I had just been to a

                 conference, and everybody that found out I was

                 from New York said, "How is Owen?"  I said,

                 "As conservative as always."  And they all

                 smiled and said, "That's great, we'll see him

                 in New York," and I said, "I'm sure you will,"





                                                          4337



                 and da-da-da-da-da.

                            But anyway, back to this sales tax

                 that I was talking about.  Jimmy Griffin was

                 the one that made sure the county could get

                 that in the first place.  He signed off from

                 the city.  And then shortly thereafter, he was

                 the one beating our doors down saying, you

                 know, You got to get us a share of that sales

                 tax money, because it's not going.

                            So my only fear, even with this 1

                 percent, and as dedicated as it is, is that

                 someday they're going to retire all their

                 debts, hopefully, and they won't be building

                 anything else major, or they won't have to,

                 and so that then they'll have -- the county

                 will have that extra one-half a percent.  And

                 I don't know what they'd use it for,

                 because -- I mean, I don't know what's there,

                 because I haven't been there.  But I will make

                 a point of going there just so I can find out,

                 besides farms, what's there.  Because it

                 sounds like a very nice place and wonderful

                 people.

                            And because of all those reasons,

                 and my little story, even though I have some





                                                          4338



                 concern because of what's happened in Erie

                 County, I'm going to support this.  Because I

                 also believe that in most cases, when the home

                 rule message comes, unless there's some

                 strange circumstance that brought it here -

                 and I may know other reasons, and in that case

                 I might vote against it.  I have no reason to

                 vote against somebody's home rule message in

                 this case, and so I'll probably support this

                 bill.

                            And thank you very much, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, why do you rise?

                            SENATOR DOLLINGER:    I'll yield to

                 Senator Schneiderman, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Schneiderman.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President, if the sponsor

                 would yield for a few questions.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield?

                            SENATOR LIBOUS:    Sure.  Yes, I

                 will.





                                                          4339



                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    Listening

                 to this debate, I think it raises some

                 interesting issues about the purposes and

                 effects of sales taxes.  I'm concerned about

                 communities like the community of Owego.  Are

                 you familiar with Owego?

                            SENATOR LIBOUS:    Mr. President,

                 is he asking you that question or is he

                 asking -

                            SENATOR SCHNEIDERMAN:    Through

                 you, Mr. President, is the sponsor familiar

                 with the community of Owego?

                            ACTING PRESIDENT KUHL:    I think

                 he's asking you, Senator.  I'm familiar with

                 Owego, so he wouldn't want to ask me.

                            SENATOR LIBOUS:    Mr. President,

                 would you please tell Senator Schneiderman I'm

                 not even going to respond to that.

                            ACTING PRESIDENT KUHL:    The

                 Senator refuses to answer.

                            SENATOR SCHNEIDERMAN:    Well, the

                 reason I'm asking about Owego is that it's an

                 area that has been undergoing some





                                                          4340



                 redevelopment, starting up antique businesses,

                 other things that may be affected by the sales

                 tax.  So that is the reason for that, and I

                 would hope that the Senator would respond,

                 because I am concerned about its impact on

                 redevelopment of small businesses.

                            Has there been any effort to

                 examine whether or not the cottage industries

                 growing up in places like Owego would be

                 affected?  Through you, Mr. President.

                            ACTING PRESIDENT KUHL:    Are you

                 asking the Senator to yield?

                            SENATOR SCHNEIDERMAN:    I am

                 asking if the Senator will yield for that

                 question.  And if he would like, I will be

                 happy to repeat it.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to a question from

                 Senator Schneiderman?

                            SENATOR LIBOUS:    I'd yield to a

                 question from the Senator.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields to a question.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President.  Has anyone





                                                          4341



                 looked, to your knowledge, in Tioga County or

                 anywhere else, at the issue of these cottage

                 industries, antique stores that are developing

                 there, and I gather somewhat successfully, and

                 whether or not the sales tax would have an

                 adverse impact on their business?

                            SENATOR LIBOUS:    Mr. President, I

                 take it Senator Schneiderman has been to

                 Owego, or at least has received information

                 about Owego, because Owego has a magnificent

                 antique row.  And I do know that the county

                 legislator that the represents the heart of

                 the city was supportive of this legislation,

                 actually was the sponsor of this legislation.

                            So the best information that I

                 could provide the Senator, that if the local

                 legislator who represents Antique Row supports

                 this legislation, I would have to assume that

                 it would be in the best interests of the

                 community.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President, if the sponsor

                 would continue to yield.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to another question?





                                                          4342



                            SENATOR LIBOUS:    Sure.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    Thank you.

                            Do you know if any consideration

                 was given to any other type of tax to cover

                 the financial needs of Tioga County in income

                 tax or other additional property tax?

                            SENATOR LIBOUS:    Mr. President, I

                 do know that when this tax was first imposed

                 and came to us and voted by the legislature

                 with a home rule, they looked at a number of

                 ways to pay off what they considered a state

                 mandate.  And that was the jail that I've

                 talked about.

                            At that time and again at this

                 time, they feel that the half a percent is the

                 best way to go.  It is going to be one of the

                 taxes that is going to be less abusive to the

                 people who own property and do business in

                 Tioga County.

                            And again, Mr. President, through

                 you, I defer -- and I've said this a number of

                 times, I will continue to say that I really do

                 defer to the legislators in knowing what is





                                                          4343



                 best at the local level when it comes to local

                 taxation on their constituents.

                            ACTING PRESIDENT KUHL:    Senator

                 Schneiderman.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Through you, Mr. President, if the sponsor

                 would yield for another question.

                            ACTING PRESIDENT KUHL:    Senator

                 Libous, do you yield to another question?

                            SENATOR LIBOUS:    Yes, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR SCHNEIDERMAN:    I've heard

                 your repeated references to the government

                 closest to the people governing best.  Would I

                 then -- what would your position be then

                 regarding the fact that the local government I

                 deal with mostly, the government of the City

                 of New York, frequently requests this body for

                 additional authority to impose rent

                 regulations and is routinely turned down on

                 the basis that the big government in Albany

                 knows better?

                            ACTING PRESIDENT KUHL:    Senator





                                                          4344



                 Schneiderman, let me just interject here.  I

                 assume that Senator Libous is having some

                 concern about answering that question because

                 it has nothing to do with his bill.  And I

                 would just simply say to you that if some

                 member were to object to the germaneness of

                 your question, I would be inclined to rule

                 that question nongermane.  I just reflect

                 that.

                            And I would remind you, so that we

                 don't have to go through that kind of a battle

                 on the floor, that to try to keep your

                 questions germane to the bill before us.

                            Senator Libous, for an answer to

                 the question.

                            SENATOR LIBOUS:    Mr. President,

                 in the 13 years I've served here, I have

                 handled each piece of legislation separately

                 as it comes here and make decisions based on

                 that particular piece of legislation that is

                 before me.

                            SENATOR SCHNEIDERMAN:    Thank you.

                 Thank the sponsor for his answers.

                            On the bill.

                            ACTING PRESIDENT KUHL:    Senator





                                                          4345



                 Schneiderman, on the bill.

                            SENATOR SCHNEIDERMAN:    And I have

                 benefited for many years as an attorney from

                 judges whose suggestions were made as artfully

                 as the presiding officer today.

                            I think that the only concern that

                 people have expressed here -- Senator Gentile

                 and others -- is over the overall direction of

                 tax policy in New York State.  I think it

                 sounds as though Senator Libous is doing a

                 fine job representing his constituents here,

                 based upon my limited knowledge of events in

                 Tioga County, limited, I'm afraid, to people

                 from New York City who have purchased antiques

                 there.  It does sound as though things are

                 moving in the right direction.

                            I do share the concern expressed by

                 several of my colleagues, though, that we -

                 in addition to piling up debt, we continue to

                 shift taxes in New York State.  Many of the

                 tax cuts that we've locked in that have yet to

                 achieve their full impact cut taxes like the

                 income tax for top income brackets.  And what

                 we end up with is an increase in things like

                 sales taxes and user fees that actually have a





                                                          4346



                 tremendously regressive effect.

                            The New York State economy is now

                 the most regressive of all the fifty states.

                 The gap between rich and poor is greater than

                 in any other state.  And that is really a

                 tragedy of the last decade.  And I'm afraid

                 that the direction we're headed in is probably

                 not the best one for the long-term economic

                 health of the state.

                            And I would respectfully submit

                 that we would be better off maintaining a

                 responsible level of state income tax, given

                 the expenditures we're going to make.  If

                 we're going to cut the size of government,

                 that's different.  But we don't seem to be

                 interested in doing that.  Rather than

                 creating a situation where communities such as

                 Tioga have to increase sales taxes, which do

                 disproportionately affect low-income and

                 working residents.

                            I do intend to vote for this bill

                 based on the commentary of the sponsor and the

                 colloquy we've had here today, but I do think

                 there are larger issues raised by this

                 question.





                                                          4347



                            Thank you, Mr. President.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, why do you rise?

                            SENATOR DOLLINGER:    Mr.

                 President, will the sponsor yield to one

                 question?

                            SENATOR LIBOUS:    Yes, Mr.

                 President.

                            ACTING PRESIDENT KUHL:    The

                 Senator yields.

                            SENATOR DOLLINGER:    Senator

                 Libous, the sales tax that we're about to

                 impose goes also on the price of gasoline.

                 And my question is in a place like Tioga

                 County, where the cost of fuel -- both in

                 terms of farming and because of the somewhat

                 rural nature of Tioga County, I would assume

                 that the cost of gasoline, consumption of

                 gasoline is a significant expense.

                            And my question is that the -- by

                 reimposing this sales tax, I mean, out of a

                 $1.50 price of a gallon of gas, we're imposing

                 12 cents worth of sales tax.  And my question

                 is considering the continuing imposition of

                 the tax, do you know whether the county





                                                          4348



                 legislature considered the rising price of

                 gasoline as a factor in the collection of

                 sales tax and in the impact on the farming and

                 other industries there?

                            SENATOR LIBOUS:    Mr. President, I

                 do not know the answer do that question.

                            SENATOR DOLLINGER:    Okay.  Thank

                 you, Mr. President.  On the bill, briefly.

                            ACTING PRESIDENT KUHL:    Senator

                 Dollinger, on the bill.

                            SENATOR DOLLINGER:    I'm actually

                 going to change a long-standing practice in

                 this house -- I have voted against all the

                 sales tax increases that we've seen -- largely

                 because the colloquy that we have had today

                 we're finally having.

                            I think Senator Libous has

                 presented a reasonable explanation for the

                 continued imposition of this tax.  I've

                 generally been against continued imposition of

                 sales taxes because, from my point of view,

                 one, I think they have a regressive nature to

                 them and, two, by imposing sales taxes rather

                 than property taxes, you lose the tax

                 deductibility of property taxes.  They are





                                                          4349



                 deductible on federal income tax returns.  We

                 allow it to be deducted on your state tax

                 return.  So generally, if you're paying

                 property taxes, you're actually having the

                 federal and state government finance as much

                 as 40 percent of the total cost is actually

                 financed through the form of a tax deduction.

                 That is not true with sales taxes.

                            But I know why sales taxes have

                 been very popular among local governments.

                 They are collected by an entity that is not

                 government.  Nobody ever has to send a check

                 to government.  They're collected right at the

                 point of purchase.  Makes it enormously

                 convenient.  They're the hidden tax that

                 everybody pays.

                            And in addition, the rising cost of

                 some items -- for example, items like

                 gasoline -- means that the revenue goes up

                 even though they don't have to increase the

                 percentage rate.  It just keeps going up.  The

                 price goes up from a dollar to dollar and a

                 half, the revenue from a sales tax on gasoline

                 goes up 50 percent.  It's as though it was a

                 tax increase.  Nobody sees it.  It's all





                                                          4350



                 collected at the wellhead, all collected at

                 the point of purchase.  It's an invisible yet

                 increasing tax.

                            Through you, Mr. President, I've

                 voted against this Tioga tax before.  I'm not

                 going to vote against it.  Senator Libous,

                 you've convinced me, and I'm going to withdraw

                 that position.  A good justification for a

                 sales tax, it looks like conscientiously

                 arrived at by the County of Tioga, explained

                 by their Senator in the State Senate.  I'm

                 going to back away from that position.

                            I'll retain one position.  Sales

                 taxes that have no explanation, that nobody

                 offers an explanation for, that go through as

                 a matter of routine I will not vote for.

                            This one, I'm going to change my

                 mind.  You've convinced me.

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, why do you rise?

                            SENATOR OPPENHEIMER:    I'd like to

                 explain my vote.

                            ACTING PRESIDENT KUHL:    We're not

                 on a roll call yet, but we will be shortly.

                            SENATOR OPPENHEIMER:    Oh, I





                                                          4351



                 thought that's what he was doing.

                            ACTING PRESIDENT KUHL:    Is there

                 any other member wishing to speak on the bill?

                            Hearing none, the Secretary will

                 read the last section.

                            THE SECRETARY:    Section 2.  This

                 act shall take effect immediately.

                            ACTING PRESIDENT KUHL:    Call the

                 roll.

                            (The Secretary called the roll.)

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer, to explain her vote.

                            SENATOR OPPENHEIMER:    Under most

                 every circumstance, I don't favor the sales

                 tax, because I do believe it is the most

                 regressive of all taxes.  And therefore, I

                 normally don't like sales tax.

                            But I feel, as the sponsor feels,

                 that the entity that's responsible for giving

                 the local services is the entity that has to

                 decide how those services are to be paid for.

                 One of the things we have often felt at the

                 local level of government is that we don't

                 have enough choices, we don't have enough mix

                 in our total tax package.  And sales tax is





                                                          4352



                 one avenue we do have.  We cannot put

                 everything on the property tax.

                            And for that reason, because the

                 local government wants it, because I feel we

                 should unless there is some really strong

                 reason why we would not support our local

                 governments, we have to go along with their

                 decisions, because they are the ones that are

                 most directly responsible for the provision of

                 services at that level.

                            I'll be voting yes.

                            ACTING PRESIDENT KUHL:    Senator

                 Oppenheimer will be recorded in the

                 affirmative.

                            Senator Stavisky, to explain her

                 vote.

                            SENATOR STAVISKY:    To explain my

                 vote.

                            I compliment Senator Libous on his

                 discussion of Owego and Tioga County.  I've

                 learned more today about it.  And I'm

                 delighted with his explanation.

                            While I too believe that the sales

                 tax is a regressive tax, you have convinced me

                 that -- Senator Libous has convinced me that





                                                          4353



                 we should all be voting yes.

                            ACTING PRESIDENT KUHL:    Senator

                 Stavisky will be recorded in the affirmative.

                            Senator Gentile.

                            SENATOR GENTILE:    Yes, to explain

                 my vote, Mr. President.

                            Although Senator Libous tried hard

                 to convince me, and did a very good job of it,

                 I'm not totally convinced.  I'm still on my

                 campaign to repeal the sales tax on clothing

                 and shoes across the state, in every county,

                 up to $500 at least and, better yet,

                 completely.  Completely.

                            So given that, and on principle, I

                 am voting no.

                            ACTING PRESIDENT KUHL:    Senator

                 Gentile in the negative.

                            Announce the results.

                            THE SECRETARY:    Ayes, 56.  Nays,

                 1.  Senator Gentile recorded in the negative.

                            ACTING PRESIDENT KUHL:    The bill

                 is passed.

                            Senator Bonacic.

                            SENATOR BONACIC:    Mr. President,

                 is there any housekeeping at the desk?





                                                          4354



                            ACTING PRESIDENT KUHL:    There is.

                            Senator Morahan.

                            SENATOR MORAHAN:    Mr. President,

                 on page 17 I offer the following amendments to

                 Calendar Number 213, Senate Print 2355, and

                 ask that said bill retain its place on the

                 Third Reading Calendar.

                            ACTING PRESIDENT KUHL:    The

                 amendments to Calendar Number 213 are received

                 and adopted, and the bill will retain its

                 place on the Third Reading Calendar.

                            That completes the housekeeping,

                 Senator Bonacic.

                            SENATOR BONACIC:    Would you

                 return, please, to motions and resolutions.

                 And recognize Senator Dollinger, please.

                            SENATOR DOLLINGER:    Thank you,

                 Mr. President.  I just give written notice,

                 pursuant to Rule XI, that I will move to amend

                 the Rules of the Senate to add a new rule, XV,

                 with respect to ethical standards for

                 officers, members, and employees of the State

                 Senate.

                            ACTING PRESIDENT KUHL:    The

                 notice is received and filed.





                                                          4355



                            Senator Bonacic.

                            SENATOR BONACIC:    Mr. President,

                 there being no further business, I move we

                 adjourn until Monday, April 2nd, at 3:00 p.m.,

                 intervening days being legislative days.

                            ACTING PRESIDENT KUHL:    Without

                 objection, Senate is adjourned until Monday,

                 April 2nd, at 3:00 p.m., intervening days to

                 be legislative days.

                            (Whereupon, at 5:12 p.m., the

                 Senate adjourned.)