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In addition to funds for water oua!ity olanning the Clean Water Act supDorts construction of publicly owned - - wastewater treatment facilities which are required to meet State and Federal water quality standards. Specifically, the Construction Grants Program of EPA derives its legal aufhority fro~ Title II of the Federal Water Pollution Control Act of 1972 (P.L. 92-500), as amended by the Clean Water Act. As mandated by law, the goal of the Program is to abate water pollution and enhance water : quality in order to provide for the protection and pro- .~ pagation of fish, shellfish, and wildlife and to increase · the recreational uses of waterways. Funds are obligated through project grants to any municipal, intermunicipal, State, or interstate a~ency or Indian Tribe having jurisdiction ove~ disposal of wastes. Grant awards within individual States are limited by the funds' which have been allocated to each State based 9n need and projected population. The grant is for 75 percent of eligible pro3ect costs, although if certain requirements are met, i't can be increased to 85 percent. The amount of money set aside for each State is partially determined by projected population because this figure has a bearing on the size and therefore the co~t of the wastewater treatment facilities that are needed, kecent regulations require applicants to include pop[ftation projections in the grant application where they are used in a determination of the reserve capacity of the proposed treatment facilities and in a cost-effectiveness analysis. The population projections for each State are determined by the Bureau of Economic Analysis. The State, along with areawide planning agencies designated by the Governor and other regional planning agencies in nondesignated areas, disaggregates the projections. That is, the projections for the State are subdivided into projections for the State's designated areawide planning agencies,-SMSA's not included in the areawide planning area, nonmetropoli- tan counties, or other jurisdictions. The State and areawide planning agencies give these disaggregated projections to the grant applicant for use in the required cost-effectiveness calculations. Federal Reserve Board SMSA's are often used to determine the boundaries of a banking market. Competitive factors ~'ithin that market are analyzed and their effects are considered in deci- sions concerning bank mergers and bank holding company acquisit ions.