SPEAKER INDEX CONTENTS INSERTS AVIOLI 56 CANTOR 7 CROWLEY 8 FAHRENKOPF 30 38 FOSSELLA 16 GOODLATTE 15 62 63 64 65 66 67 68 GUTIERREZ 11 37 38 39 KELLY 1 7 8 9 11 12 15 16 20 23 24 27 30 33 35 36 37 39 40 42 43 46 47 48 50 53 56 60 61 KYLE 54 LAFALCE 4 9 LEACH 9 10 40 62 68 LORENZ 27 30 35 36 MACCARTHY 47 48 65 66 67 OXLEY 12 SAUM 44 47 60 SCHNEIDER 50 61 62 63 64 SINCLAIR 21 23 38 SUAREZ 17 34 35 37 38 WHYTE 24 CONTENTS SPEAKERS INSERTS STATEMENT OF JOHN PETER SUAREZ, DIRECTOR, DIVISION OF GAMING ENFORCEMENT, NEW JERSEY DEPARTMENT OF LAW AND PUBLIC SAFETY PAGE 17 STATEMENT OF SEBASTIAN SINCLAIR, VICE PRESIDENT, CHRISTIANSEN CAPITAL ADVISERS PAGE 20 STATEMENT OF KEITH S. WHYTE, EXECUTIVE DIRECTOR, NATIONAL COUNCIL ON PROBLEM GAMBLING PAGE 24 STATEMENT OF VALERIE LORENZ, Ph.D., EXECUTIVE DIRECTOR, COMPULSIVE GAMBLING CENTER, INC., BALTIMORE, MD PAGE 27 STATEMENT OF FRANK FAHRENKOPF, JR., PRESIDENT AND CEO, AMERICAN GAMING ASSOCIATION PAGE 30 STATEMENT OF BILL SAUM, DIRECTOR, AGENT GAMBLING AND AMATEURISM ACTIVITIES, NATIONAL COLLEGIATE ATHLETIC ASSOCIATION PAGE 44 STATEMENT OF MARK MacCARTHY, SENIOR VICE PRESIDENT PUBLIC POLICY, VISA U.S.A. INC. PAGE 47 STATEMENT OF SUE SCHNEIDER, CHAIRMAN, INTERACTIVE GAMING COUNCIL PAGE 50 STATEMENT OF PENELOPE W. KYLE, EXECUTIVE DIRECTOR, VIRGINIA LOTTERY; PRESIDENT, NATIONAL ASSOCIATION OF STATE AND PROVINCIAL LOTTERIES PAGE 54 STATEMENT OF GREGORY C. AVIOLI, DEPUTY COMMISSIONER, NATIONAL THOROUGHBRED RACING ASSOCIATION PAGE 56 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING