Associate professor, Frederick Community College; owner, senior manager and board member, HomeCall Inc., consultant to state government and small businesses; member, City Housing Authority Commission and Hospital Fundraising Committee; holds graduate degree from George Washington University School of Government and Business; board member, Fredericktown Players and Home Care Research; member, Chamber of Commerce; soccer coach, Frederick Community College; established Frederick Community College cooperative and retail programs. Cutbacks in federal funds will necessitate better comprehensive planning at all levels of government. The issue of development must be addressed by viewing the city as a whole, rather than on the basis of single issues. The overall goal should be one of balanced diversity in residential and commercial growth and employment opportunities. We need a strong local initiative to structure our growth so that there are adequate public facilities and financial resources to support them. These priorities may be financed by a combination of methods, including a broadened tax base and tax-exempt debt securities. The city also has a valuable source of ideas, guidance and support in the members of its community and private enterprise. The test of Frederick's future strength lies in its ability to meet these challenges without the aid of other governmental entities.