SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      4      5      8     11     14     16     17     20  
                21     25     38     40     46     47     48     50     53  
                54     57     62     65     69     70     71  
BIGGERT         35     36     37     38  
FARMER          47     49     67  
FREDERICK       51  
GOODLATTE       12     16     19     23     26     28     33     34     35  
                40     43     44     45     46     47     66     67     68  
                69  
GRUCCI          41     42  
HINOJOSA        33     34     35  
HOOLEY          26     27     28     29  
KELLY           35     38     39     40     43     62     29     31     32  
KYL              5     20     22     24     25     30     35     39     40  
                41     42     45     46  
LAFALCE          2      9     17     19     20  
LEACH            9     15     19     24     27     28     32     36     37  
                38     39  
MANZULLO        43     44     45     46  
MCGUINN         57     58     68     69     70     71  
OXLEY           22     23     24     25  
RYUN            38     47  
SHERMAN          4      5  
VANNORMAN       53     54  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JON KYL, A U.S. SENATOR FROM THE STATE OF ARIZONA
                                                                 PAGE     5

STATEMENT OF HON. JAMES A. LEACH, A MEMBER OF CONGRESS FROM THE STATE OF IOWA
                                                                 PAGE     9

STATEMENT OF HON. BOB GOODLATTE, A MEMBER OF CONGRESS FROM THE STATE OF VIRGINIA
                                                                 PAGE    11

STATEMENT OF MICHAEL L. FARMER, SENIOR VICE PRESIDENT, RISK MANAGEMENT OPERATIONS, WACHOVIA BANK 
CARD SERVICES
                                                                 PAGE    48

STATEMENT OF DR. BOB FREDERICK, CHAIRMAN, NATIONAL COLLEGIATE ATHLETIC ASSOCIATION COMMITTEE ON 
SPORTSMANSHIP AND ETHICAL CONDUCT
                                                                 PAGE    51

STATEMENT OF MARK VanNORMAN, EXECUTIVE DIRECTOR, NATIONAL INDIAN GAMING ASSOCIATION
                                                                 PAGE    53

STATEMENT OF EDWIN J. McGUINN, CEO, eLOT, INC.
                                                                 PAGE    57

STATEMENT OF TIMOTHY A. KELLY, Ph.D., EXECUTIVE DIRECTOR, NATIONAL GAMBLING IMPACT STUDY COMMISSION
                                                                 PAGE    62


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING