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