1 NATIONAL INDIAN GAMING COMMISSION

2 TRIBAL CONSULTATION

3

4

5

6

7

8 REPORTER'S TRANSCRIPT OF PROCEEDING

9 JANUARY 24, 2011

10 9:00 A.M.

11

12

13

14 DEPARTMENT OF INTERIOR

15 1951 CONSTITUTION AVENUE, NW

16 WASHINGTON, D.C.

17

18

19

20 Paula G. Satkin, RPR

21 Job No. 303777

22 Pages 1 - 93

23

24

25

Page 1

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 I N D E X

2 APPEARANCES:

3 TRACIE STEVENS, CHAIRWOMAN, NATIONAL INDIAN

4 GAMING COMMISSION

5 JEFFERSON KEEL, PRESIDENT, NCAI

6 BRIAN PATTERSON, PRESIDENT, USET

7 STEPHANIE COCHRAN, VICE-CHAIRWOMAN, NIGC

8 DANIEL LITTLE, COMMISSIONER, NIGC

9 LAEL ECHO-HAWK, COUNSEL TO THE CHAIR

10 ROBERT McGHEE, COUNCILMAN, POARCH BAND OF

11 CREEK INDIANS

12 KEITH MARTIN, COUNCILMAN, POARCH BAND OF

13 CREEK INDIANS

14 EARL BARBRY, CHAIRMAN, TUNICA-BILOXI TRIBE

15 DANIEL GUSTAFSON, COMMISSIONER, ONEIDA

16 NATION GAMING COMMISSION

17 HOMER NAMODOKA, CHAIRMAN, NOTTAWASEPPI

18 HURON BAND OF POTOWATOMI

19 TINA OSCEOLA, CHIEF HISTORIC RESOURCE

20 OFFICE, SEMINOLE TRIBE OF FLORIDA

21 MEGHAN BEAKMAN, GENERAL COUNSEL, ONEIDA

22 NATION OF NEW YORK

23

24

25

Page 2

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 STATEMENTS PRESENTED:

2 Jefferson Keel....................4

3 Tracie Stevens....................9

4 Daniel Little....................20

5 Lael Echo-Hawk...................22

6 Keith Martin.....................43

7 Brian Patterson..................59

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

Page 3

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 P R O C E E D I N G S

2

3 PRESIDENT PATTERSON:

4 (Invocation).

5 CHAIRWOMAN STEVENS: Thank you,

6 President Patterson.

7 Now it's my pleasure to turn over

8 the microphone to Lieutenant Governor of the

9 Chickasaw Nation. President Keel.

10 STATEMENT BY JEFFERSON KEEL

11 PRESIDENT KEEL: Thank you. Good

12 morning. Chairwoman Stevens, Vice-Chairman

13 Cochran, Commissioner Little. Thank you for the

14 opportunity this morning to be here and give

15 some opening comments.

16 It's important that we take a look

17 today at where we are in this whole process. I

18 want to thank Brian for that beautiful prayer.

19 Thank you. It is always great to get the day

20 started in the right way. That way we cannot

21 stumble over words and get personalties in the

22 way of important business.

23 As tribal government, it is

24 important that we be a part of any dialogue that

25 impacts our tribes and the people that we

Page 4

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 represent. When tribes aren't at the table in

2 any type of consultation, in any type of

3 discussion about our business interests and the

4 things that matter to our people, then the

5 results can be devastating to our tribal

6 economies and to the governments that we

7 represent.

8 I want to also recognize a person

9 who is not here, Chairman Ernie Stevens, Jr.,

10 and I want to thank him for leading the advocacy

11 on tribal gaming in this country. Just about a

12 month ago during the Lame Duck Session of

13 Congress, the National Congress of American

14 Indians and the National Indian Gaming

15 Association jointly pushed back efforts that

16 would have forced tribes to take a back seat to

17 commercial gaming interest in a form of on-line

18 gaming. The bill that was drafted, it did place

19 the interest of Las Vegas and Atlantic City

20 ahead of tribes, and clearly assumed tribes were

21 not able to regulate or manage our on-line poker

22 in our facilities.

23 Regardless of how each Tribe may

24 feel or each tribal leader may feel about

25 on-line gaming and how it may impact our current

Page 5

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 operations, it's important that we never place

2 our interest behind anyone else's or back away

3 from exercising our sovereign rights by managing

4 our own affairs.

5 These are the same guiding

6 principles we should use when considering any

7 change that's proposed by the National Gaming

8 Commission, which are the topic of this

9 consultation today.

10 Under the leadership of Chairwoman

11 Stevens the NIGC has been approaching their

12 regulatory responsibilities of two ideas. First

13 they're reaching out to Tribes as much as

14 possible to hear directly from tribes about the

15 issues and concerns that should or need to be

16 addressed, and that's very important, and tribal

17 leaders appreciate that.

18 Second, they're focusing their

19 attention on providing more technical

20 assistance, with the understanding that the more

21 tribal regulators understand the federal

22 expectations on the front end, the lower the

23 infractions on the back end, when it's more

24 costly for both the Tribe and the Agency. Both

25 of these initiatives are commendable, but I want

Page 6

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 to throw in a word of caution in these

2 proceedings.

3 The questions and issues raised in

4 the Federal Register for discussion today and

5 throughout the extensive consultations should be

6 considered very cautiously and very seriously.

7 Changing the definition of net revenue and

8 considering additional measurements like cash

9 flow will have serious implications. It's

10 imperative that we have a clear understanding of

11 the potential impacts. When tribal leaders hear

12 about these types of suggested changes, the

13 first question that usually comes to mind is who

14 will benefit from these changes. In other

15 words, will this mean more of our money goes to

16 benefit bank accounts of non-Indians or who

17 directly benefits from these changes.

18 Does that mean that our tribes

19 will have less money to provide government

20 services to their citizens? After all, that was

21 the primary purpose of the National Indian or

22 the Indian Gaming Regulatory Act. That's the

23 whole purpose of having this is so that our

24 tribal members will benefit.

25 Another item of serious

Page 7

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 consideration would be any regulatory changes

2 that would expand the authority of the NIGC,

3 such as NIGC authority to approve contracts that

4 are collateral to management agreements. We

5 would ask the NIGC to remember that tribes are

6 subject to three levels of regulation; tribal,

7 state and federal. Tribes need to be able to

8 enter into the contracts they think are best for

9 their gaming facilities, without any additional

10 layer of oversight.

11 In Indian countries there's no

12 one-size-fits-all approach to any type of

13 regulations. Tribes have proven in many cases

14 that they are more than capable of managing

15 their own affairs, regulating themselves, and

16 they don't need any other layers placed upon

17 them of bureaucratic delays and regulations.

18 NCAI will be monitoring the consultations and

19 working with the NIGC as these issues are

20 considered and will provide any support and help

21 that we can in the process.

22 I want to end with the same as in

23 the beginning. We should never place our

24 interest behind anyone else's or back away from

25 exercising our sovereign rights by managing our

Page 8

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 own affairs. I want to thank you again for the

2 opportunity to provide these opening remarks.

3 We look forward to another opportunity to work

4 with you and a productive year in Indian gaming.

5 Once again, I want to thank

6 Chairwoman Stevens for her work. The NIGC

7 thank you for what you do. We look forward to

8 working with you.

9 STATEMENT BY TRACIE STEVENS

10 CHAIRWOMAN STEVENS: Thank you,

11 President Keel.

12 Thank you all for attending. My

13 name is Tracie Stevens. I'm a member of Tulalip

14 Tribes out of the Washington state. I'm the new

15 chairwoman of the NIGC. I was appointed in June

16 of last year, and really started work in July

17 when I moved into my office.

18 I want to thank you all for being

19 here, this is stop number six on our

20 consultation tour. We've been joking that we

21 might get some like rock T-shirts, like when you

22 follow a rock band around, but it will be for

23 good reasons on this tour that we're having to

24 talk about your regulatory priorities.

25 Before I begin with my comments, I

Page 9

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 do want to recognize our staff that are here

2 from our Washington, D.C. office, and most of

3 them are sitting behind me here. Many of you

4 know who they are because you've worked with

5 them. From our Office of General Counsel,

6 JoAnne Shyloski, Mike Hoenig. General Counsel

7 Larry Roberts. Also many of you know Cindy

8 Altimus, right over here, she's the regional

9 director for the Eastern Region.

10 We have other folks here that you

11 may or may not know from our enforcement

12 division. Nimish Purohit, he's the master of

13 all electronic gaming, and he does a lot of our

14 training, some of you may know him.

15 Deputy Chief of Staff Dawn Houle,

16 she's new to us.

17 Shawn Pensoneau right behind us

18 here, you see a lot of press releases come out

19 from him.

20 Lashon Wilson, also with our

21 administrative staff.

22 Lael Echo-Hawk right here who will

23 also be going through the Notice of Inquiry

24 here.

25 And one big round of applause for

Page 10

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Rita Homa, because she has been -- she has been

2 working really hard with us. She's the

3 executive secretary for the Commission and she's

4 been sort of the master behind all of our

5 coordination at all of these stops that we're

6 making. So it has all appeared seamless,

7 although I'm certain there have been problems

8 that we just didn't know about, but she's

9 managed to correct. So I wanted to give

10 acknowledgment to our staff.

11 Where I come from you have to

12 recognize and thank the people that work to help

13 you do your job. So I want to thank all of our

14 staff.

15 Today, and as was the case in the

16 five other consultations that we've done over

17 the past couple of weeks; San Diego, Sacramento,

18 Seattle, Oklahoma City, Albuquerque, today in

19 D.C., is part of what this new NIGC Commission

20 has embarked on, which is improving how we

21 communicate with tribes, and we have four major

22 initiatives that we'll be heading up. We're

23 going to be kind of hitting on two of those

24 today, but those four major initiatives, and

25 many of you have heard me talk about this in

Page 11

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 other places, are as follows:

2 One, consultation and relationship

3 building.

4 Two, technical assistance and

5 training.

6 Three, regulatory review, which is

7 sort of the crux of why we're here today.

8 Four, Agency operations review.

9 So this, as I said, this is just

10 the beginning of a new approach and it's not the

11 end, it's just beginning. You'll see more of

12 these types of consultations as we move along in

13 this process.

14 Now, in terms of consultation

15 relationship building, that's one of the things

16 we're here to achieve today, or at least to

17 begin a new way to consult with tribes in this

18 group format.

19 This group format allows for an

20 open dialogue and an exchange of ideas. It

21 let's us hear -- let's tribes hear other tribes'

22 concerns that they may not have known or to come

23 up with some solutions together that we might

24 not have thought of had we been separated and

25 apart.

Page 12

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 So today is meant to be your day

2 to tell us what your priorities are in terms of

3 regulatory review.

4 Now, this is different than the

5 previous consultations where there were one on

6 one, sign up for an appointment and talk about

7 policy and talk about your individual tribal

8 concerns. We, and I certainly don't expect,

9 this Commission doesn't expect that tribes take

10 up their individual issues in this group forum.

11 This group forum is meant for broad overarching

12 policy that affects tribes across the Nation.

13 Individual tribal needs, we've

14 been meeting at tribes' requests as we go around

15 the country, whether it's here in D.C. or when

16 we go out in the field or by conference call.

17 When tribes have an issue they need to talk

18 about what's specific to their tribal facility,

19 their regulatory body. Whatever their issue is,

20 it is just for their tribe. We meet privately

21 for that.

22 I want to let everybody know this

23 isn't the only time you can talk to us about

24 that, we're are open at any time to talk to

25 tribes about their individual concerns.

Page 13

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 So this forum, and you're going to

2 hear me say this again and again, this is how

3 we're going to collaboratively solve problems.

4 This is where we're going to collaboratively and

5 work together to identify our agenda and our

6 properties by listening to what you tell us your

7 priorities are. That's our first initiative.

8 The second initiative, which has

9 been headed by Vice-Chairman Cochran is

10 technical assistance and training under the Act,

11 but it should be more than that. We should be

12 out providing the training that you need and as,

13 you know, going to that point, we've put up a

14 survey on our website, we've mailed it out, we

15 e-mailed it, we faxed it, we put a press release

16 out. It is up on the website so we can hear

17 from tribes, tribal leaders, regulators,

18 commissioners, you know, everyone involved with

19 gaming to tell us what would be helpful for you

20 to better regulate your operations. So that's

21 out there. We encourage everyone to fill out

22 that survey so we can refine and target our

23 training program to your needs. If we're

24 providing training that doesn't do any good,

25 then we're not doing our job. So we need to

Page 14

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 hear from you.

2 Agency operations review, and I'm

3 doing this out of order for a reason, that's us

4 taking a look at ourselves, at how the NIGC

5 operates. If we're going to be concerned about

6 your operations, we're going to be concerned

7 about how we run ours. And we will be more

8 transparent in what we're doing, how we're

9 budgeting, and the decisions we make. That's

10 part of what we're doing here is being

11 transparent and open. That's being headed up by

12 Commissioner Dan Little, with a bigger staff.

13 We're doing what many of you do as

14 tribal operators and you're looking at your

15 operations, you're looking at your government,

16 you're looking at your budget, and you're

17 looking at your work flow process to make sure

18 you're operating at an optimal level with the

19 amount of funds you have available to you. We

20 all come from tribal governments and had to go

21 through this exercise repeatedly, so we felt the

22 NIGC needed a bit of that tribal government

23 background brought into the Agency.

24 Finally, regulatory review, that's

25 why we're here today. The Notice of Inquiry

Page 15

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 went out on November 18th. It basically asked

2 three questions: Which regulations, in what

3 order, and how do you want to go about

4 addressing these regulations.

5 Today is not meant for a

6 line-by-line drafting session, it is really what

7 comes first, what are your priorities.

8 Again, I want to say these are

9 just suggestions. I know that it can be

10 interpreted, NOIA can be interpreted as that's

11 what we're suggesting. We're just putting

12 questions out that we've heard from tribes and

13 from our staff. Most of what we've heard from

14 our staff are mechanisms that would make our

15 work flow go more smoothly, but some of the

16 other questions are surprisingly questions we've

17 heard from tribes about contracts and about net

18 revenue. And so, you know, these are based --

19 and Lael will go into this more deeply, but

20 they're just suggestions.

21 I had -- I can't think of who it

22 was. It was a Midwest alliance a couple months

23 ago. The question was posed, why does the NIGC,

24 why do you feel like you need to keep doing more

25 regulations. Just because we're here talking

Page 16

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 about regulations doesn't necessarily mean we

2 want more regulations. We want to make sure

3 that the regulations that exist right now, or if

4 there is the need for more or different or

5 changed or new regulations, that they meet the

6 needs of protecting this industry. Are they

7 relevant for today's industry. Are there

8 changes that are outdated?

9 So I just want to say that and I

10 had said that there, too, it is not necessarily

11 because we are trying to overreach, but to

12 streamline our regulations and make sure that

13 they're suitable to today's industry.

14 So, again, what regulations and

15 what priority and how do we want to go about

16 addressing these. We have a very limited amount

17 of time. I'm six months, seven months into a

18 three year term. In government time that's

19 pretty short. In regulation that's short,

20 that's very short. So we're going to be looking

21 to you to help us put this agenda together and

22 stay with us at the table and provide us

23 solutions and help us get through this in the

24 short amount of time that we have.

25 We won't always agree, but if we

Page 17

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 don't we're going to be very open about why.

2 We're going to hear everything you have to say,

3 consider everything that's being said, and if

4 there's a point where we disagree and we have to

5 make a decision, we're going to let you know why

6 and you'll know that decision was fully informed

7 by your comments and why we did come to the

8 decision that we've come to.

9 So before we go on, just so you

10 know, the format for today, we've had some

11 opening comments and I'll turn it over to Lael

12 Echo-Hawk who has been charged with heading up

13 this particular initiative because of her

14 background, having been on the other side,

15 sitting back in those seats for years and years

16 through many of the technical advisory

17 committees. She'll go through the Notice of

18 Inquiry rather briefly, and then really this is

19 going to be your day to tell us what your

20 priorities are, ask us questions, clarify

21 anything in the Notice of Inquiry or our intent,

22 or if you're unclear, let us know. It is all

23 being recorded and these transcripts will be put

24 on the web as soon as we have them so everybody

25 can see what everybody else is saying. We have

Page 18

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 a surprising amount of interest by tribes to

2 know what other tribes are saying, and we think

3 that's a good thing. Sorry, I sounded like

4 Martha Stewart, didn't I, it's a good thing.

5 Before we go on, I do want to turn

6 over the microphone to Vice-Chairman Cochran and

7 also Associate Commissioner Little for any of

8 their remarks they might want to bring this

9 morning before we begin.

10 VICE-CHAIRWOMAN COCHRAN: Good

11 morning. Good morning to the tribal leaders

12 that are here and thank you for joining us this

13 morning.

14 I need to pay particular attention

15 and respect to my Lieutenant Governor from my

16 tribe who sits here as President of NCI, but who

17 I have seen most of my life as Lieutenant

18 Governor. So thank you Lieutenant Governor for

19 coming this morning and being with us.

20 I also see there are a lot of

21 other tribe members from our tribe here, which

22 is interesting, given we're in D.C., welcome and

23 thank you.

24 Any opportunity that I have to sit

25 at a table and hear the words from tribal

Page 19

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 leaders about what's important to you means a

2 lot to me. I intend on being a good listener.

3 I intend on being present with your words and

4 listening very carefully to what you have to

5 offer us, because we are going to make decisions

6 that will impact you and we need to make sure

7 those are done in the best way we know how.

8 Thank you for coming to D.C. I

9 see a lot of the staff here. I haven't seen

10 many of you in almost two weeks now, I hope

11 somebody is watering my plants. Thank you.

12 Thank you for being here as well. I look

13 forward to our conversation and I'll turn it

14 over to Commissioner Little.

15 STATEMENT BY DANIEL LITTLE

16 COMMISSIONER LITTLE: Good morning

17 everyone. I want to welcome everybody here

18 today. President Patterson, I want to thank you

19 for that warm welcome. Working for USET Tribe

20 for nearly 11 years, it is always great to hear

21 from you.

22 Also, President Keel, thank you

23 for that introduction. It's always -- I

24 appreciate the reminder that NIGC are partners

25 in this process here. All us come from a tribal

Page 20

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 background, so we remember that and it is always

2 good, you know, to have that reminder.

3 I want to quickly point out as the

4 Chair said and as Lael will point out, these are

5 only suggestions, that the Commission hasn't

6 taken a position yet. We're just throwing the

7 questions out to start some points of discussion

8 and what we're looking for, we're all on a short

9 timeframe here, we're looking for solutions. In

10 all honesty, working for the tribe, I know part

11 of the process was to run out the clock. Now's

12 the time we really need to sit down and work

13 with the tribes and have come up with some real

14 solutions we can get down.

15 Once again, thank you everybody

16 for coming. Once again, I welcome our staff.

17 We have former NIGC Commissioner Liz Homer.

18 CHAIRWOMAN STEVENS: Thank you.

19 Today is meant to talk to tribes about the need

20 for changes before we make changes. If you read

21 the Executive Order, and Lael will touch on this

22 again, but I'm a big advocate of this, we talk

23 about it before we start doing. We talk about

24 it before we set the agenda and that you have

25 legitimate input into the agenda and the path we

Page 21

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 take and the course we set out on. We're going

2 to talk about that before we embark and, as I

3 said, Lael will go over that and the Notice of

4 Inquiry, briefly, and the next steps what you

5 can expect as we move along through this

6 process.

7 Again, thank you for attending.

8 Thank you for taking the time today. I

9 recognize that tribal leaders have a far more

10 challenging and the difficult job than I will

11 ever have, because you have entire communities

12 for which you are responsible and so I

13 appreciate the time you've taken today.

14 Again, I look forward to your

15 comments, your solutions. Any of your

16 questions. And, as I said, this is just

17 beginning. There's going to be more of this.

18 This is going to be an ongoing dialogue and

19 ongoing discussion, so I look forward to

20 collaboratively working with all of you. Thank

21 you and I'll turn this over to Lael Echo-Hawk.

22 STATEMENT BY LAEL ECHO-HAWK

23 MS. ECHO-HAWK: Good morning. I

24 want to echo the sentiments of the Commission

25 and express my gratitude for Lieutenant Govenor

Page 22

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Keel and President Patterson for being here and

2 giving us a welcome.

3 My name is Lael Echo-Hawk I'm a

4 member of the Pawnee Nation of Oklahoma. As

5 Tracie mentioned, I worked for about

6 six-and-a-half years as in-house counsel for a

7 tribe in Washington state where I got to be a

8 part of rewriting numerous tribal ordinances,

9 including Tracie and I worked together in the

10 Gaming Ordinance, Civil Procedure, Child

11 Welfare. I've been on the other side of the

12 tribal table. For those of you have written

13 tribal Code, you know how difficult it can be.

14 As I started working on this

15 process I was like, wow, at least at the tribe

16 you can wrap your hands around it a little bit

17 easier. That's what we're trying to do. We're

18 trying to take another look, not necessarily

19 rewrite, but take another look at the regulatory

20 structure that governs Indian gaming and make it

21 better, however that works, whether it's new

22 regulation, whether it's, you know, taking a

23 look at old regulations, but that's the goal

24 today.

25 So logistically I'm going to run

Page 23

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 through this fairly quickly. If I talk too

2 fast, just wave me down. Logistics, my name,

3 reg.review@nigc.gov. You can reach me with any

4 questions regarding the regulatory review. They

5 go to that e-mail, it's a dedicated e-mail box.

6 As soon as your comments come in they go up on

7 the web. I have several hard copies we'll be

8 scanning in this afternoon and they should be up

9 on the web by tomorrow. All the consultations

10 are recorded and transcribed, and we'll talk a

11 little bit about what that means for logistics,

12 in a little bit. Those will also be up on the

13 website as soon as we get them.

14 So -- wrong button -- why

15 regulatory review?

16 Obviously, the Indian Gaming

17 Regulatory Act tasked the NIGC with implementing

18 appropriate regulations to implement the Act.

19 In addition, there's the Executive Order 12866,

20 which is Regulatory Planning Interview and the

21 Regulatory Flexibility Act, which requires every

22 Agency to submit semiannually an agenda to the

23 administration that says these are the

24 regulations we're going to take a look at, kind

25 of here's why.

Page 24

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 In addition, President Obama

2 issued another memorandum last week, I believe,

3 that told agencies again, take a look at your

4 regulations.

5 So that's what we're trying to do

6 here.

7 As the Chairwoman mentioned, we

8 have studied, we all walk around, and if you

9 notice on our tribal Consultation portion of our

10 website we now have the Executive Order posted

11 on there because for this Commission that

12 Executive Order has sort of been our guiding

13 light in terms of how we deal with going forward

14 in all of our initiatives, including the

15 regulatory review.

16 A section of major importance to

17 the Commission is Section 3(c)(3) that says, in

18 determining whether to -- in determining whether

19 to establish federal standards, that the

20 agencies shall consult with tribes. This is

21 before -- before we start drafting, before we

22 start issuing notice of the proposed rules we're

23 making we need to consult with you about whether

24 those standards are needed or not. That's what

25 the NOI, that's what this process is about.

Page 25

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 What is a Notice of Inquiry? I

2 apologize. Liz, she's heard me do this several

3 times. The Notice of Inquiry is a process used

4 by a number of agencies across the

5 Administration; Copyright Office, FCC, Library

6 of Congress, those are the top three I saw when

7 I was going through this. I haven't seen it

8 used when it comes to Indian Country,

9 necessarily, but it's a way for an Agency when

10 they have issues that come up in front of them

11 to go out to their constituency or people

12 affected in that industry, say this is what we

13 heard, help us work through this problem

14 together, so before we begin enacting some

15 regulation we get all the relevant information

16 and that you truly have some input. That's what

17 the Notice of Inquiry is about. We want to talk

18 to you before we start making policy and before

19 we start making changes to regulations. It asks

20 three primary questions:

21 What, is what regulation?

22 When? That means what order of

23 priority, which regulations should we take a

24 look at first, because this time is rather

25 short, we want to get as much done as possible.

Page 26

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 And then finally, how. We've

2 had -- do we use a tribal Advisory Committee or

3 someone appropriate to do Notice of Proposal

4 Rulemaking, negotiating rulemaking we've heard

5 about. There's a number of ways to do it.

6 That's the other question that's asked in the

7 NOI.

8 This is our road show, this will

9 be on our T-shirts, but the Commission really

10 wanted to make sure we were out in Indian

11 Country. We made it a point to go to tribally

12 owned facilities and we wanted to be out in

13 Indian Country. We wanted the burden of the

14 travel to really fall on us and let us get out

15 in Indian Country let tribal leaders go about

16 their business, come see us for a day, but not

17 have to come to D.C., necessarily. So we do

18 appreciate all of you who are here today and we

19 hope this location was convenient for you.

20 The NOI was published in November,

21 November 18th. The comment closes on

22 February 12th. This is a week after the last

23 consultation in Florida on February 3rd. It was

24 an 86-day comment period. I know 86 seems like

25 a strange number, as Commissioner Little pointed

Page 27

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 out to me, but it was a week after the last

2 consultation, that's why we did that. All

3 written comments and consultation transcripts

4 are going to be posted on the web. Again, in

5 the spirit of transparency and accountability to

6 you we want to make sure all the information we

7 use to base our decisions on how we move forward

8 is accessible to all of you, so when we make a

9 decision we can point back to comments that were

10 made, comments that were submitted, and say this

11 is what we heard from you, this is why we went

12 that direction. If we didn't go that direction

13 this is why we didn't go the direction that was

14 pointed out. Again, to be accountable and

15 transparent to you. Again, suggestions only.

16 This is not the end of the universe, this is not

17 written in stone. This is just suggestions.

18 And if you have other comments that are not

19 related to things that are specifically in the

20 NOI we want to hear those, as well. We don't

21 know everything. We certainly don't operate

22 facilities. I do come from representing a

23 facility, but I know on the operations side it

24 can be very much different than the tribal

25 regulatory side, and we're up here at 30,000

Page 28

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 level foot level and we want to make sure the

2 things we do are relevant and they make sense

3 for the industry.

4 So quickly we'll just run through

5 the NOI, the issues that we heard. All of these

6 issues came out of the tribal Consultations that

7 we held over the summertime or from meetings we

8 had from tribes or suggestions from staff who

9 have been working with you over the past number

10 of years.

11 Part 502 we heard President Keel

12 mention the net revenue definition, management

13 contract definitions, fees.

14 One of the things we've heard from

15 our audit department and from the financial

16 office is that calendar year versus fiscal year.

17 Right now the regulations say that fees are

18 calculated on a calendar basis. Well, most

19 tribes operate on a fiscal year of some kind and

20 oftentimes that's different than the calendar

21 year, so it can make that calculation different

22 and can result in audit findings. This is one

23 issue we thought would be resolved rather easily

24 if that's something tribes wanted to take a look

25 at.

Page 29

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Using industry standards. One

2 thing we've heard people seem to like over the

3 past five consultations is coming up with some

4 sort of ticketing type system for when late fees

5 are submitted, instead of going straight to an

6 enforcement action. That's been done by the

7 NIGC I know tribes weren't happy about it.

8 We're trying to think of a way that makes sense

9 to address with late fines that doesn't rise to

10 the level of enforcement action because, as you

11 all know, that's a very severe punishment and

12 it's something that shouldn't be used lightly.

13 The self-regulation regulation.

14 We've heard a lot about this, as well. The

15 self-regulation regulation, most people tend to

16 think the burden of getting that certificate

17 doesn't -- doesn't outweigh the benefit of

18 self-regulation, and so taking a look at that

19 and seeing if we can adjust it or if there's a

20 way we he can make it more advantageous to

21 tribes to actually obtain that certificate.

22 There is a couple regulations that

23 perhaps may be obsolete. Quite a number of

24 concerns and thoughts about management contracts

25 and collateral agreements background

Page 30

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 investigations. Proceedings before the

2 Commission.

3 I'm an attorney, I like to know

4 what the process is when I go in front of a

5 Court, and right now the proceedings before the

6 Commission, if you file an appeal there is

7 nothing in the regulations that's clear that

8 tells you what your time frames are or what the

9 process necessarily is, so if that's something

10 you're interested in seeing then we would like

11 to hear about it.

12 MICS and technical standards.

13 This is the giant elephant that's in the room.

14 It's got the most press. This is something we

15 have heard over and over again needs addressed,

16 and we just need to know how to address it. In

17 light of the CRIT decision we know that the

18 NIGC, that Court told the NIGC that it did not

19 have the authority to enforce or promulgate

20 Class III regulations. We have Class III

21 regulations on the books. What do we do with

22 that? How do we address the fact some tribes,

23 tribes and states have incorporated the

24 Class III MICS into their contracts, they've

25 incorporated by ordinance, they have

Page 31

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 specifically given the NIGC the authority to

2 Class III MICS in their operations. So we have

3 to figure out how to balance all of those things

4 and come up with a good solution. We've heard a

5 guideline might be appropriate, we've heard a

6 clearinghouse of Class III MICS, even

7 suggestions about the various trade associations

8 working on regional solutions and perhaps coming

9 up with some models that are appropriate for the

10 region. There's a number of things we've heard,

11 and I think we're really given an opportunity

12 right now to be innovative and to come up with a

13 solution or solutions that are maybe outside of

14 the box that we've been operating in and

15 hopefully can meet the needs of the industry.

16 So Class 3 MICS very important.

17 Class II MICS, we have had a Class II tribal

18 working group. We have a draft on the website

19 pending. What do we do with that? The

20 technical standards adopted a few years ago in

21 2008, do they need updated already? We've heard

22 they do. What do we do with those things and

23 how do we do it? Do we use a Tribal Advisory

24 Committee again? Do we -- you know, do we

25 negotiate a rulemaking? There's a number of

Page 32

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 options available, but we do need help from you.

2 We need to know what your thoughts are so we can

3 do it in a good way and as -- and as least

4 controversial as possible and really come up

5 with a good solution for Indian Country.

6 The pilot program for background

7 investigations, I think most tribes, a large

8 portion of tribes participate in this program.

9 It's sort of been in a memorandum agreement

10 between the NIGC and the tribe format, and so

11 we're thinking about just formalizing that,

12 putting it into a regulation.

13 Fingerprinting. Providing access

14 perhaps to the NIGC 's fingerprinting process,

15 and that involves our NOI with the FBI, so

16 whether it's possible, I don't know. I know

17 it's an issue tribes have raised with us. In

18 fact have raised with us at every consultation

19 so far. If it's something you're interested in

20 we need to hear about it. We'll send our

21 general counsel to the FBI and hopefully talk

22 them into giving the tribes the same access or

23 more access.

24 Facility license. We have heard

25 about facility licensing since facility

Page 33

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 licensing came up. I was on the other side of

2 the table when that regulation was sort of -- it

3 just appeared, and then it was regulation, so

4 we've heard quite a bit about it and we need to

5 know what your thoughts are and whether or not

6 we need to take another look at that regulation.

7 Access and inspection to records

8 that are housed off site. We've had tribes come

9 to us and say we can't get our management

10 company or old management company to provide us

11 our records they have stored in their facility

12 in Reno or Las Vegas. Do we need to clarify

13 what our authority is to subpoena those records,

14 either on behalf of NIGC or on behalf of tribes.

15 Enforcement proceedings. We've

16 heard when this came up in the office we were

17 like, well, should the Chair have the express

18 authority to withdraw a Notice of Violation once

19 it's been issued. You know we all thought

20 that's a good question to ask. As we've gone

21 out into the community we've noticed that we're

22 hearing quite a bit more. Ms. Homer has pointed

23 this out to us. Perhaps the enforcement

24 proceedings need to be even clearer. Perhaps

25 there needs to be a system of pre-enforcement

Page 34

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 procedures that happen so that an NOV,

2 Chairwoman says an NOV should never be a

3 surprise. We should have talked to you

4 previously. We should have tried to work out

5 some compliance assistance. An NOV should never

6 be a surprise.

7 Those are the old regulations.

8 Those are the current regulations, I should say.

9 In terms of potentially new

10 regulations, as the NOI points out the Tribal

11 Advisory Committee process. As I'm sure all of

12 you are very aware, sometimes painfully aware,

13 the Tribal Advisory Committee has been extremely

14 controversial. It's been very difficult. We've

15 heard a lot of concerns from tribes about how

16 that -- how that committee is structured, how

17 the committee members are selected, how there's

18 been inadequate representation of all areas of

19 the industry, large facilities, small

20 facilities, Class III, industry, manufacturers,

21 labs. How do we get, when we're working on

22 something like a major regulation like the MICS,

23 how do we make sure all the voices that need to

24 be at the table are at the table? Is this

25 something we need to put in a policy? Do we

Page 35

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 need to put this in a regulation form? We need

2 to know from tribes what you think about this

3 particular process.

4 Sole proprietary interest. This

5 has been a big big issue in our office. We have

6 tribes coming in asking us to make

7 determinations about whether or not a particular

8 agreement or a set of agreements violates

9 proprietary interest of IGRA. A comment that

10 was made in San Diego is if we are taking a look

11 at that, we also need to take a look at the

12 definition or lack of definition for primary

13 beneficiary. And that might be one way to

14 address it, but if this is a concern to you we

15 do need to hear about it and we need tribal

16 input on this.

17 Finally, a communication process.

18 Not finally, but one of the issues we have in

19 our office, how do we communicate with you? I

20 know working at the tribe a lot of times the

21 Gaming Commission would receive notice from

22 NIGC, not in-house counsel, not Board of

23 Directors, or if they did it got loss in a stack

24 of papers. How do we communicate with you that

25 's appropriate, that gets everyone all the

Page 36

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 information they need.

2 You know, when we have sort of

3 these formal meetings how do we make sure the

4 appropriate people are at the table? Because I

5 know that sometimes we even get competing

6 comments from the commissioners versus the

7 tribal chair or tribal council members. For us

8 that's very difficult because then we need to

9 make a decision, and our responsibility is to

10 the tribal government and elected government

11 officials. I know there can sometimes be that

12 conflict. We need to figure out a way to

13 address it appropriately. That's a huge issue.

14 And then, finally, sort of a kind

15 of a feel good one that I like, the Buy Indian

16 Regulation. I know that NIGA, NCAI, and a

17 number of associations have this initiative for

18 gaming operations to buy Indian from each other.

19 And we are an Indian specific Agency, we are

20 funded by your dollars. And so it's appropriate

21 for us to, when we go out into procure hotel

22 space, conference space, that we try to do that

23 with Indian owned facilities or buy Indian

24 products. So this was something we thought

25 about formalizing into a regulation.

Page 37

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Once again, suggestions only.

2 These are just a way to get the conversation

3 started. We love to hear input on all of those.

4 We are looking for guidance from tribes. Again,

5 what are your priorities?

6 There is a -- just for the

7 structure part on the website, the format that

8 they put it in was very easy for me to read.

9 This is the regulation, this is what we think

10 about it. Notice of Proposal, Tribal Advisory

11 Committee, the format was very easy for us to go

12 through. If you're trying to think of a way how

13 do you respond to this monster I landed on your

14 desk, I apologize for that, take a look at that.

15 That might help you see how you can structure

16 your comments if you're concerned about that.

17 Finally, we go back to the

18 Executive Order. Again, Section 3 (c) but, too,

19 this is something the Commission has also really

20 latched on to. It says when agencies are

21 formulating and developing, implementing

22 policies that have tribal implications, agencies

23 shall -- there's no may -- shall, where

24 possible, defer to Indian tribes to establish

25 standards.

Page 38

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 If you have an idea for

2 regulations, for standards, for a policy you

3 think is appropriate and would fit the need of

4 the Agency, then, if possible, we're mandated by

5 the Executive Order to consider that and to

6 defer to your tribes with those standards. It

7 is something that's important to this

8 Commission. We really want input as much as

9 possible from Indian Country. This is a good

10 way to bring this to us and we hope we do see

11 those kind of things.

12 The comment period closes

13 February 12th. Again, that's in about

14 two weeks, two weeks from this Friday. Again,

15 all written comments and consultation and

16 transcripts will be posted on the website. You

17 can submit your comments to me at

18 reg.review@nigc.gov.

19 Mark Gaston and Mavis Harris,

20 we've got a great website duo who, as soon as I

21 get them something they get it up, so you guys

22 know almost as soon as we know what the comments

23 are, because we really to want to be accountable

24 and as transparent as possible.

25 The commitment from the

Page 39

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Commission, the commitment from myself is that

2 every comment that we receive will be reviewed

3 and considered. I'll look at every document you

4 send me and I'll review every consultation

5 transcript, even though I was here. When we

6 make those decisions regulatory review agenda

7 will come out with a -- like a summary of the

8 decisions that we made and why we made them.

9 You're going to know what our decision-making

10 process is and, again, another way for us to be

11 transparent and accountable to you.

12 The agenda will be finalized in

13 April, likely will be announced at the NIGA

14 conference, published in the Federal Register at

15 the same time. That's when this line-by-line

16 work begins. That's when things get really

17 substantive and the real work happens.

18 Again, our commitment to you,

19 we'll get as much done as possible. I'm been

20 concerned how do we handle the MICS issue and

21 address other things, as well. The MICS is

22 important, but there are a number of other

23 things that are important but have been left

24 behind because we have all been concerned about

25 what to do about the MICS. If there is any way

Page 40

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 to avoid that I will do my best to the make that

2 happen. If I give up my apartment and I'm on

3 the road for the next year-and-a-half or

4 whatever we have to do, that's what we'll do.

5 We're willing to do the work and we want to hear

6 from you so the work is done in a good way and

7 we accomplish as much as we can.

8 So, again, this is being recorded

9 and transcribed, so when you speak, please state

10 your name, the organization you're with, the

11 tribe you represent, so that we can get that all

12 into the transcript.

13 Please use a microphone. I

14 believe there's a handheld microphone somewhere.

15 I think Jaime has it back there somewhere. If

16 you see we waiving at you, I apologize. Stop,

17 repeat your name again, the tribe you're with,

18 the organization you represent. With that I'll

19 turn it back over to the Chairwoman to turn it

20 over to you.

21 CHAIRWOMAN STEVENS: Jefferson

22 Keel.

23 PRESIDENT KEEL: My name is

24 Jefferson Keel. In the consultation, the

25 schedule. I noticed that the upper Midwest;

Page 41

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Wisconsin, Minnesota, Michigan, those areas were

2 not listed. Was there a consultation session

3 held in that region?

4 CHAIRWOMAN STEVENS: Thank you.

5 For your question, President Keel. We're going

6 to Rapid City, South Dakota. We are trying to

7 spread ourselves out as we move along and we --

8 I actually noticed that when I worked at DOI,

9 the upper Midwest; Michigan, Wisconsin,

10 Minnesota were areas that's actually one of our

11 most challenging regions because of the

12 geography that it covers. To get anywhere -- in

13 some places they can drive; Oklahoma, Northwest,

14 California, they can drive usually to get

15 around, our regional folks or our tribes can.

16 The Midwest is the most challenging because of

17 the number of tribes and how spread out they

18 are. We on this round are hitting Rapid City.

19 In subsequent consultations we're going to move

20 around. For example, we went to New Mexico this

21 time for the Southwest we may go to Arizona the

22 next time. We'll move around and try to hit and

23 bring the NIGC to tribes but, you know, there

24 are some that we can't get to in that particular

25 area where it is the most challenging. Thank

Page 42

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 you for that question. We will try to get out

2 into each of the areas as we can.

3 Before I turn the microphone over,

4 basically it's going to be open mike. In

5 respect to tribal leadership we'll defer to

6 tribal leaders first and elders who have

7 comments, questions, anything they wish to

8 clarify, and then after that any folks that are

9 designated by their tribal official or, you

10 know, have representatives or clients that they

11 represent, just out of protocol and being

12 proper, so I think that's it. Unless there's

13 something pressing I've missed I think we've

14 covered it. I appreciate your time and sitting

15 and listening to us for the past 45 minutes, but

16 the rest of the day is for you to just let us

17 know what you think. So with that who's first

18 up to bat?

19 STATEMENT BY KEITH MARTIN

20 COUNCILMAN MARTIN: My name is

21 Keith Martin, I'm tribal council member Poarch

22 Band of Creek Indians. Like to thank you all

23 for having us. We have Steffani Brian, is our

24 vice-chair and chairs our Games Commission and

25 she was supposed to come but she bailed out on

Page 43

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 me at the last minute. The tribe appreciates

2 the position that the Gaming Commission is in

3 and its proverbial rock in a hard place. I

4 think you all are working for the feds, but

5 y'all come from tribal backgrounds and know our

6 problems on the rez. We believe you're trying

7 to do the right thing by us. We're working on

8 comments and we do have some issues with

9 Sections 518, 547, 559, but we will have all

10 those comments finalized by our deadline on --

11 when's the deadline? On the 12th of February.

12 That's it. Thank you.

13 CHAIRWOMAN STEVENS: Thank you,

14 Councilman Martin.

15 COUNCILMAN McGHEE: Tracie, let me

16 just follow up -- Robert McGee, Councilman with

17 Poarch Band of Creek Indians. The first thing I

18 would like to point out is the new direction

19 you're going with the National Gaming

20 Commission. We appreciate this new open

21 dialogue. I think that the concerns that you

22 raised regarding tribal advisory committees, we

23 personally had the opportunity to have

24 representation on that committee because we do

25 know that there's a small number of Class II

Page 44

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 tribes out there now. It seems like a lot of

2 individuals are having the opportunity to

3 negotiate compacts, so we appreciate from the

4 Class II perspective having individuals that

5 serve on that committee, but I think the general

6 direction you're going now with the Tribal

7 Advisory Committee, I would be respectful of the

8 Commission actually listening to that committee.

9 I think the prior Commission's concerns we had

10 were a lot of in fighting between the Commission

11 and they would submit comments based upon tribes

12 and they weren't really being adhered to. I

13 think this is a great process we're going.

14 Keith mentioned -- we have the background, the

15 fingerprinting issues, the things that we're

16 constantly fighting with the State of Alabama

17 technical standards with Class II. We hope when

18 we look at the possibility of where we're going

19 to go forward with any type of adjustment or

20 looking at the regulations that we take into

21 consideration the issues that affect the tribes

22 within those states that have these very strong

23 issues that you guys hear about every day. I

24 think you got something else from the Governor

25 from the State of Alabama. I know you're always

Page 45

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 being looked at. I wouldn't say criticized, but

2 looked at, the regulation issues, that the tribe

3 is in compliance. Now, the tribe is not a

4 certificate, self-regulating tribe. The

5 concerns we have is knowing whenever you make

6 those decisions or looking at the regulations

7 you're always going to take into account and be

8 in accordance with what the tribal perspective

9 is. When it came to the path Commission, even

10 though you would not have regulations that were

11 final, personal opinions would be aired

12 regarding their perspective on those

13 regulations, and once those personal opinions

14 were aired that got into the public, especially

15 within the State of Alabama it became, they felt

16 law, because the Commissioner or the Associate

17 Commissioner felt this is the way it should be,

18 and all of a sudden they were trying to apply

19 those standards onto the tribe, when those were

20 not in fact standards. They were not

21 regulations that were issued, they were personal

22 opinions. So one of the things I can only ask

23 as we go forward, any comments made or in

24 association with the actual regulations we have

25 in place, not be made until the processes are

Page 46

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 approved. We look forward to working with you

2 guys in the future when any of those come up

3 discussion. Thanks.

4 CHAIRWOMAN STEVENS: Thank you.

5 Are you telling us so watch our tongue? No.

6 Which is fine.

7 COUNCILMAN McGHEE: Like I said,

8 within the state if you don't watch your tongue

9 then it becomes the law of the state where they

10 feel the Governor himself will say the

11 Commission doesn't support this and, in fact,

12 it's, you know, they don't say it's the

13 Commission's personal opinion and personally

14 your personal opinion, not that you individuals

15 should not be considered at this table or even

16 in regulation.

17 CHAIRWOMAN STEVENS: I appreciate

18 that and actually I'm a big proponent of

19 watching your tongue and what you write. You

20 know, there is some benefit to restraint of pen

21 and tongue, so we appreciate that.

22 You know, there's an upside and

23 downside of transcripts, and I am always mindful

24 of what I say on the record, because I'm a

25 public official, we all are. We all are public

Page 47

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 officials that represent the Federal Government,

2 so we appreciate that comment.

3 MS. ECHO-HAWK: Just in response

4 to the earlier comment about the Commission,

5 actually listening to the Tribal Advisory

6 Committee, in Albuquerque last week we heard

7 quite a lot from tribes they say, hey, we

8 submitted comments where is that black hole they

9 all went to? Someone was, I think they're with

10 my socks, the socks you lose in the dryer. I

11 will go back to the office and look around, but

12 I submitted comments and I spent hours and days

13 drafting comments on regulations that I never

14 received a response that my comment was

15 received. It was never posted on the website.

16 I have no idea where those comments were, who

17 looked at them, if anyone looked at them. We

18 are really making a concerted effort to change

19 that. Anything you submit to us it will be on

20 the website. This week we'll talk about what is

21 going to be our process when we receive

22 something from tribes, letting tribes know we

23 got it we actually have it. Someone is looking

24 for it. Here's a contact person if you want to

25 find out what's happening to this. We do want

Page 48

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 to be responsive. We don't want you to think

2 there is a black hole with socks and the change

3 from your pockets that handed in the drier and

4 your comments submitted to the NIGC. So we

5 really are prying to be responsive that way.

6 CHAIRWOMAN STEVENS: The floor is

7 open for comments.

8 CHAIRMAN NAMODOKA: Chairwoman

9 Stevens. It's a pleasure to be here and what I

10 want to do just openly kind of discuss a little

11 bit and share with you is the sharing of

12 information as in your PowerPoint between the

13 Tribal Council and a Gaming Commission

14 authority. From my experience what I've seen

15 that works better than the unknowns out there is

16 a collaboration of sharing information at the

17 same point in time. Quite typically when one,

18 either the Council or Gaming Commission doesn't

19 know, that's usually an area that creates

20 friction and everybody wants to know and doesn't

21 like being without that knowledge of what's

22 going on. It triggers so many knee jerk

23 reactions that once the dust is settled and

24 everyone has a chance to look at it, quite

25 typically we find out there's a common

Page 49

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 understanding as Council has created gaming

2 commissions with their independent authority,

3 has set down the ordinance for it, and

4 communication with NIGC. It is a matter of

5 sometimes connecting the dots and making sure

6 the communication flow is proper there. That's

7 a unique challenge. You know, I've heard of

8 other situations sometimes going foul and, you

9 know, somewhere else in the country. Not that

10 we don't deal with ours, but it's a matter of

11 getting both bodies together and talking out

12 issues at least from a policy standpoint. And

13 that's beneficial to us helping out that our

14 Council members and our Gaming Commission

15 members actually sit down together in a monthly

16 joint session to talk out policy issues. And

17 sometimes there's very little to talk about, but

18 it's about the relationship building and

19 relationship sharing that's the benefit of it

20 and, you know, at least both sides have a common

21 understanding of what the goal is of the program

22 they're trying to achieve. I just wanted to

23 share that with you as everything unfolds, you

24 know, getting the information out there and

25 sharing it, having that transparency, you know,

Page 50

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 it's kind of a key phrase right now, but

2 actually putting it together can be a little bit

3 of a challenge because it's the logistics of it,

4 you know. We've taken it one step further. We

5 commit to having monthly meetings those help

6 out. From time to time we'll disagree on

7 something from a point of view, even on a policy

8 matter because of a little verb in there, but

9 it's just a matter of at least we're sitting

10 down and talking it out. I think that's

11 probably the most important thing, and having a

12 consultation like this, that's what you're

13 emphasizing, we have to be able to take that

14 back home and do it on our own fronts.

15 CHAIRWOMAN STEVENS: Thank you for

16 your comment. While we consider how best to the

17 communicate with tribes, something we are doing

18 is casting a very broad net of communication.

19 So you may get information from us repeatedly,

20 but that's all in an effort to be as inclusive

21 as we can so we don't miss anyone. So we may

22 send information to your leadership, to your

23 council chambers, to your commissioners, to your

24 operations. You may be getting faxes, snail

25 mail, e-mail, press releases. We had received

Page 51

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 some criticism about the narrowness of the

2 outreach by the NIGC to only the regulators at

3 your tribe, when in fact our responsibility as a

4 government agency is to your government. So in

5 the meantime please be patient with us if you

6 get repeated communication.

7 Also, I would like to say we will

8 not be so presumptuous to tell you who is

9 allowed to speak for you. That's your decision,

10 not ours. I'm not going to tell you certain

11 people can't sit at the table or certain people

12 can't speak for you, that's your decision as a

13 tribal leader and a government whether that is

14 you or someone you designate. We just need to

15 know who you're designating so we know who to

16 receive comments from or direction from because,

17 believe it or not we actually get competing

18 comments from within one tribe, and we try not

19 to get in the middle of that only to the extent

20 that, you know, we need to know which comment is

21 officially the authorized comment of the tribe.

22 That's the extent of why we care, but we're not

23 going to get in the middle of that. We're not

24 going to tell you who speaks for you, that's

25 your decision not ours. Why would I want to do

Page 52

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 that?

2 MR. HOLST: Jon Holst, H-O-L-S-T.

3 I'm with the Ho-Chunk Nation of Wisconsin.

4 Again, I want to start off by saying thank you

5 for having hosted this meeting this morning and

6 I'm with the Tribal Council. My previous

7 experience has been in gaming. I was in our

8 Class III gaming for multiple of years running

9 the slot departments, so I do have some

10 background and knowledge of the internal

11 controls. And I guess, you know, I appreciate

12 the opening comments this morning in regard to

13 communications because, as we all know, those

14 are such important matters or such important

15 factors in getting something done and always

16 seems to be the first thing to break down.

17 I recall reading previous internal

18 controls and wondering why or I shouldn't say --

19 the Federal Registry and seeing that there had

20 previously been a lot of attempts to allow

21 tribes to have input into them, and I often

22 wondered why it didn't seem to work that well,

23 because then I've seen a lot of comments from

24 tribes after the rules were made in regard to

25 their objection to some of them. But I guess in

Page 53

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 just making some notes, I think the best

2 suggestion in the future for better

3 communications between the Commission and the

4 tribes would perhaps be as already mentioned,

5 designate certain individuals from each tribe

6 and have that in a written form, but to maybe

7 use technology and have teleconferencing,

8 whether that be once a month or every other

9 month, understanding from our tribal standpoint

10 I think that would work out, for example, it

11 would be at least a tribal council member,

12 perhaps somebody from executive gaming and

13 perhaps legal counsel if need be, that

14 understood we set a calendar of meetings we

15 would have through teleconference. I think that

16 might assist in the future. It makes it a lot

17 easier for everyone trying to travel. As you

18 mentioned earlier, it's hard to get to a lot of

19 the Midwestern tribes. I think it would be

20 easier to use those methods in the future.

21 Thanks.

22 CHAIRWOMAN STEVENS: Thank you.

23 CHAIRMAN BARBRY: I'm with

24 Tunica-Biloxi Tribe, Earl Barbry. Could I ask

25 what the definition of qualified business is?

Page 54

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 MS. ECHO-HAWK: The definition of

2 qualified business for Buy Indian Act, the same

3 used by the BIA or HHS. You have to reach the

4 procurement standards. If you meet those

5 standards, just like you do in procurement over

6 at the BIA, we would have to use their manual

7 and their definition.

8 CHAIRMAN BARBRY: So you couldn't

9 tell me what the definition is?

10 MS. ECHO-HAWK: We could look it

11 up. It's in the manual, but I can't tell you

12 off the top of my head.

13 CHAIRMAN BARBRY: My concern there

14 is at the tribal level, there's a number of

15 tribal members at our place that have been

16 approached by vendors that don't want to go

17 through the license procedure, so they'll select

18 a tribal member and they'll work out a deal or

19 propose to him that they could set up their own

20 business and run everything through them, but in

21 actuality all there is, they're a broker or a

22 salesperson. That doesn't seem like it's

23 qualified business for that purpose, and I have

24 some concerns about that.

25 MS. ECHO-HAWK: Well, the

Page 55

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 procurement process for the Federal Government,

2 if some of you are involved in that, is very,

3 very arduous. It's -- it's a process to get

4 through that and to get that certification or

5 the acknowledgment that it is a qualified Indian

6 business, but it is a concern that we'll pay

7 attention to and, you know, in terms of the

8 vendor issue we've heard, you know, similar

9 comments that vendors try to go around being

10 licensed, or if the tribe has a policy they want

11 to buy from Indian owned businesses they're sort

12 of being used as a broker or a front for their

13 business operation. You know, it is something

14 that concerns you. We would like to see your

15 comment on a way we could address it in

16 regulation, but licensing of vendors is

17 something that has come up in a number of these

18 consultations.

19 PRESIDENT KEEL: Could I ask a

20 follow-up on that? The Buy Indian Act provides

21 an opportunity for tribes to purchase goods or

22 enter into buy goods from another Indian vendor.

23 I'm not sure that the NIGC should

24 regulate and demand -- excuse me -- I'm not sure

25 that the National Indian Gaming Commission

Page 56

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 should form a regulation that demands or

2 mandates a tribal government to procure any type

3 of goods from anyone. I think, again, this

4 impedes or it gets into the sovereign rights of

5 a tribal government to decide who they can

6 purchase goods from, regardless of the vendor.

7 When you talk about the benefits

8 of purchasing goods or service from someone

9 there is a lot of cost versus benefit that needs

10 to be considered. It may be that tribes have a

11 local vendor that can provide the same service

12 at a lower cost, even with the benefits of the

13 Buy Indian Act, you know, the 5 percent or the

14 contract ability of the Buy Indian Act. So I'm

15 just not sure that NIGC needs to go down that

16 road.

17 CHAIRWOMAN STEVENS: Thank you,

18 President Keel.

19 I do want to clarify this is for

20 our operations. I think our limited -- we're

21 going to be as an agency, very limited with what

22 kind of services we would procure from qualified

23 Indian businesses. It's meant for just us.

24 Just so you know, we're not going down that

25 road. It may not necessarily be a regulation.

Page 57

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Maybe it's a policy. We've heard that while

2 we've been on the road, it's an internal

3 practice. I know there are some who think if we

4 put it in regulation form that it's a bit more

5 solid and binding on future commissions to do

6 this. Whether it's this policy or Indian

7 preference. You know, the question is whether

8 it's a regulation or policy, but certainly we

9 would not impede on the Tribe's right to run

10 their own government. It's meant for only how

11 we as a federal agency, you know, procure

12 business products, services. Like I said, right

13 now, except for two of the consultations, all of

14 these are being held on Indian land. They

15 should be in Indian facilities, whether those

16 are casino operations or other facilities that

17 tribes have to offer us, and it always has to be

18 in the context of what is financially

19 reasonable.

20 We have to be mindful of the money

21 that we expend to reach that objective that

22 we're in Indian facilities. Not only Indian

23 facilities may not be the most inexpensive

24 places to hold meetings or consultations and

25 there's a reason for that. It could be their

Page 58

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 location. It could be the time of year. It

2 could be the market. But it's not necessarily a

3 foregone conclusion, but we do have to balance

4 it with our financial responsibility.

5 Okay. Unless anybody had a

6 pressing comment they wanted to make before we

7 take a break, we do have some refreshments back

8 there, coffee, water, some juice, other

9 nourishment to keep you going. The logistics I

10 believe are downstairs.

11 (Discussion off the record.)

12 CHAIRWOMAN STEVENS: 15-minute

13 break. We'll come back at five to 11:00.

14 (A brief recess was taken.)

15 CHAIRWOMAN STEVENS: Open up the

16 floor for more comments. Do we have any tribal

17 leaders or designees who wish to speak for their

18 tribe?

19 STATEMENT BY BRIAN PATTERSON

20 PRESIDENT PATTERSON: Madam chair,

21 I would like to begin by extending a warm heart

22 felt invitation to you, your staff, your full

23 team to the United South and Eastern Tribe

24 Cultural Reception on February 8th, Crystal

25 Marriott. It is a cultural night. It certainly

Page 59

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 fits NIGC 's agenda. So it's a great

2 opportunity to network to build upon the

3 relationships and to advance in the timeline as

4 you identified. I think if -- if I may also

5 extend as President of the United South and

6 Eastern Tribes a platform podium to extend to

7 NIGC for your efforts here.

8 So, again, good morning. Brian

9 Patterson. I am Bear Clan representative over

10 the Oneida Nation. We appreciate the outreach

11 and platform which you have advanced. Your

12 message that was put forth through Indian

13 Country today, your letter, your editorial to

14 Indian Country today built upon the fore found

15 principals that you mentioned, I think is a

16 platform that Indian Country could respond to.

17 I think it is a platform that could be

18 supportive of Indian Country and I'm glad to

19 hear some of the dialogue that took place this

20 morning at the table. I am, you know, it is

21 concerning as we, Indian Country moves forward

22 in an effort to protect its sovereign interest

23 in working with this administration in

24 identifying specific areas of consultation to

25 advance. To me there is no big C, no little C

Page 60

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 of consultation, it is the capital C of

2 nation-to-nation of tribal governments to other

3 governments and that ability to sit down with

4 one another in advance. So while we speak of

5 collaboration and consultation there is only

6 really one true form of consultation, and that's

7 with a capital C. So it is the integrity of

8 that relationship and that spirit in which I

9 believe your platform and your approach to

10 Indian Country can build some measurable

11 success, and I express my gratitude for that

12 effort.

13 The true government-to-government

14 relationship with Indian Country in the federal

15 agencies is crucial, is crucial. Indian Country

16 has sat for far too long for far too many years

17 with NIGC with the appearance of being talked

18 down to or being talked to period, rather than

19 in a meaningful exchange of dialogue and

20 collaboration, and that's what really excites me

21 about this round and this effort. Consultation

22 is not simply checking a box to say that you did

23 it, it is a matter of process. It is all about

24 the relationships that you develop and the trust

25 in that relationship. I commend you for

Page 61

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 establishing an ongoing dialogue with Indian

2 Country to extend the opportunity to address the

3 issues affecting the Indian Country, whether

4 it's through the regulation process or

5 addressing the appeal process and so forth.

6 I think in your approach Indian

7 Country has the opportunity to move forward. So

8 with that said this morning I'll make some

9 general comments regarding NIGC gaming

10 regulations, specifically with respect to a few

11 issues that you have identified for comments.

12 Oneida Nation, we will then take

13 the approach to develop a more specific written

14 comment to address the specific areas of

15 concern, so I'll keep my comments general this

16 morning.

17 I think the first thing is

18 Councilman McGee from Poarch Creek has spoke of

19 the Tribal Advisory Committee. That is

20 certainly a large area which I think we should

21 re- examine, consider in advance with. I think

22 that is a forum that the Commission should

23 advance within Indian Country, but I would

24 caution the committee against using the

25 establishment of a Travel Advisory Committee in

Page 62

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 place of any meaningful or fulsome consultation.

2 I say that because it needs to be simply on the

3 record as such.

4 In doing so, in establishment of

5 the Tribal Advisory Committee, we need to

6 realize that none of us can speak on behalf of

7 another nation and we need to be -- but I think

8 it is a mechanism in which we can identify the

9 areas of concern that -- and the issues

10 affecting Indian Country if we approach this

11 carefully, solemnly, in every cognizant of the

12 future seven generations. So we frequently

13 speak in a similar voice, but every nation does

14 remain different, has a different view and

15 interest, and that needs to be respected. And

16 that would be the only caution in the

17 establishment of the Tribal Advisory Committee,

18 but I believe it should be adopted and utilized

19 to supplement consultation, not replacing

20 crucial detail, but as a supplement for the work

21 of the Commission.

22 In regards to the comment and

23 appropriate method of communication or the

24 establishment of policy regulation identifying

25 when and how NIGC communicates with Indian

Page 63

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Country with Indian tribes, I think that is, you

2 know, perhaps the greatest accomplishment in the

3 term that is remaining is the ability to

4 collaborate and establish meaningful

5 communication with tribes and a relationship and

6 respect for -- and respect for other governments

7 the NIGC should be communicating with the

8 federally recognized tribal leader and with his

9 or her designees. It should be for each tribal

10 government to determine who the NIGC should

11 consult with and on what issues. Then the

12 federally recognized representative is the

13 appropriate person or entity to identify who

14 should be communicating with NIGC on behalf of

15 the tribes on what issue. Requiring an annual

16 resolution from elected tribal council, however,

17 would be unduly burdensome and unnecessarily

18 intrusive. The Oneida Nation men's counsel, for

19 example, we operate by consensus, so we do not

20 operate through a resolution process. So any

21 attempt requiring annual resolutions from our

22 council would be inconsistent with the form and

23 operation of our Oneida Nation government in our

24 roles and responsibilities and how we advance,

25 but, nevertheless, I think that effective -- the

Page 64

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 establishment of effective communication could

2 go a long way in addressing those areas.

3 We're pleased to see that NIGC has

4 undertaken the review of minimal and internal

5 control standards. We have several comments

6 built around the MICS, and we will advance those

7 with you. I think throughout this morning in

8 talking of the regulations and reviewing the

9 information put out, I think one of the -- one

10 area that excites me greatly is in working with

11 this Commission is to work towards establishing

12 formal procedures, regulations, and specific

13 rules on when and how issues such as appeals

14 will be conducted. I think this is a necessary

15 measurement to ensure due progress, set

16 expectations and uniformity to establish a level

17 identified playing field in Indian Country. I

18 think that's an exciting initiative for the

19 Commission.

20 As I mentioned, we will submit

21 more formal remarks. I would like to introduce

22 to the Commission our new -- well, he's not new,

23 he's ran the gauntlet a little bit for us in

24 Oneida Country, but let me introduce to you our

25 Gaming Commissioner, Daniel, and our general

Page 65

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 counsel for Oneida Nation, Megan Beakman.

2 Megan -- Daniel would you care to add anything

3 at this point?

4 COMMISSIONER GUSTAFSON: I have no

5 questions.

6 CHAIRMAN NAMODOKA: Chairwoman

7 Stevens, I'll introduce myself. I believe I

8 might have skipped over that earlier. My name

9 is Homer A. Namodoka, I am the chairman for the

10 Nottawaseppi Huron Band Potowatomi.

11 On thing I want to re-emphasize,

12 as you collect the information and look for

13 regulations for improvement will there be an

14 opportunity to have a summary of the

15 consultations provided to us? And it is our

16 hopes that out of the many pounds of paperwork

17 that you're going to be receiving is that

18 hopefully there's some mainstreaming with the

19 objectives out of it that we can at least seek

20 clearly on, you know, a few pages as opposed to

21 going through all the documents and trying to

22 dissect it. I think it would be of benefit to

23 all the tribes to see something of that effect,

24 especially with the licensing and implications

25 thereafter just so we can see that.

Page 66

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 At this point in time I would like

2 to introduce our Gaming Commission Chairperson,

3 Brad Simmons, and he's going to offer some

4 comments for you if that's okay.

5 CHAIRWOMAN STEVENS: Yes.

6 CHAIRMAN SIMMONS: Thank you,

7 Chairman Stevens. My name is Brad Simmons and

8 I'm the chairman for the tribal game commission

9 for the Nottawaseppi Huron Band of the

10 Potowatomis.

11 I'm mostly going over the MICS and

12 technical standards on this. I guess our goal

13 is to see that it's more as a guideline than it

14 is a set of regulations or standards. Given the

15 fact that across the Nation each state has their

16 own different ways of negotiating out compacts.

17 Ours is a little more thin in their paperwork

18 than it is other states where they incorporated

19 Class II and Class III, ours does not. In those

20 points they should be provided as guidelines

21 more than as a set of regulations. At that

22 point the NIGC should be able to provide the

23 support that individual tribes need as it comes

24 down to violations with management companies or

25 inside the enterprise and operations versus our

Page 67

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 regulatory authority. And also the other part

2 is, too, the communication forms that we have

3 with the NIGC, I believe they both should be the

4 executive and the Gaming Commission itself

5 should be included in those communications

6 throughout. That eliminates any sort of

7 miscommunications, anything not spoken that the

8 Commission would -- the individual tribal

9 commissions would need to take control over, not

10 what council would need to handle and also would

11 be able to give us better advisement to council

12 if there was a need for it and we could have

13 better time to prepare our responses to anything

14 the NIGC would wish to have. Thank you.

15 CHAIRWOMAN STEVENS: Thank you.

16 All good comments. Yes. Tina.

17 MS. OSCEOLA: Tina Osceola,

18 O-S-C-E-O-L-A, from the Seminole Tribe of

19 Florida.

20 Chairwoman, I would like to

21 discuss the formation, it was in 2004, it was

22 the Commission seated at that time the formation

23 of the Indian Gaming Working Group. It was a

24 group of enforcement agencies, federal

25 enforcement agencies including the FBI, the

Page 68

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Treasury, et cetera. It's called a working

2 group, but being a tribe who was actually

3 approached by this group, investigated by this

4 group, it was more of a task force, an

5 enforcement task force. So do you feel that --

6 do you know, has its usefulness been outlived?

7 Does it plan on -- does the Commission still

8 plan on using this working group? And if so do

9 you think it should be something defined in the

10 reg's so tribes can learn how to work with this

11 group or understand the scope of this working

12 group, because it really operated more like a

13 task force. And knowing the difference between

14 a law enforcement task force versus a working

15 group.

16 CHAIRWOMAN STEVENS: Thank you for

17 your question. I think we're still in the

18 process of examining what that working group

19 really does and what the role of the NIGC is.

20 Looking back at the history, I know we've had

21 just a few working group sessions, one of which

22 I attended in Seattle, that included IRS,

23 Treasury, FINCEN, FBI, Justice, Secret

24 Service -- am I missing somebody?

25 MS. OSCEOLA: BIA.

Page 69

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 CHAIRWOMAN STEVENS: I'm not sure

2 they were. Certainly can take your questions as

3 we examine that working group. What their

4 purpose was originally, how it worked over the

5 years, and what our role is. I don't know if

6 it's exclusive of this working group or not, but

7 as part of President Obama's Good Government

8 Initiative, agencies should be working together

9 collaboratively. Does that necessarily mean

10 having enforcement tasks? I don't know about

11 that, but we do communicate and are trying to

12 improve our relationships with other agencies

13 like FBI and like Treasury and like the

14 Department of Interior so that there is a better

15 coordinated effort when we establish, especially

16 as political appointees when we establish

17 policies and certainly I as Lael had said, we

18 encourage our staff to work with others and, you

19 know, there's certain authorities that we have

20 and there's certain authorities we don't have

21 that other agencies have. And knowing where

22 that line is and then how to, you know, how do

23 we communicate with those other agencies when

24 something moves over into their authority and

25 their jurisdiction.

Page 70

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 So certainly we'll take your

2 comments and your questions about that group

3 into consideration as we look at that group.

4 PRESIDENT PATTERSON: Chairman

5 Stevens, that's a great point. Thank you Tina

6 Osceola for bringing that forward. I think that

7 is a point where we should collaborate,

8 communicate, and have effective dialogue with

9 Indian Country on the scope of this working

10 group and the issues they would address. I

11 think that would be an area we could build some

12 synergy with and around Indian Country, as well.

13 Thank you.

14 CHAIRWOMAN STEVENS: Thank you,

15 President Patterson.

16 Any other comments? Do we have

17 anyone sitting in the back rows who have

18 comments for their tribe that they represent?

19 Elizabeth? No, just getting coffee.

20 PRESIDENT PATTERSON: While she is

21 getting settled. Again, Brian Patterson.

22 I would just like to commend NIGC

23 for holding consultation and your approach of

24 it. The Eastern and Southern tribes that namely

25 make up the tribes of USET, oftentimes we have

Page 71

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 to outreach to federal agencies to get

2 consultation held east of the Mississippi.

3 Thank you for your foresight to address the

4 tribes, specific the South Region and Northern

5 Region of the South and Eastern tribes, as well

6 as well as our brethren from Michigan and

7 Wisconsin that are here. Thank you.

8 MS. HOMER: Madam Chair, members

9 of the Commission, tribal leaders, my is

10 Elizabeth Homer. I know I harangued you at two

11 previous meetings. There are a couple issues

12 that I would like to re-emphasize. And to begin

13 that let me say thank you to Lael for repeating

14 back to me the comments that I had made

15 previously about the enforcement regulations. I

16 really appreciate that the NIGC staff is

17 listening, that the NIGC is listening, and what

18 a refreshing, refreshing change in tone that is

19 taking place. And I know and I want to

20 congratulate and thank all of you for the

21 grueling schedule that you have been on, I'm

22 sure at great personal cost, and so thank you

23 for that and getting out into Indian Country.

24 As I said before, I really feel

25 seriously that the enforcement regulations need

Page 72

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 a fresh look and we need to build in the notice

2 and opportunity to cure before going straight to

3 an enforcement action, because I can assure you

4 having now sat on not two sides of the table,

5 but multiple sides of the table looking at these

6 issues that, you know, Indian Country is going

7 to make corrections. Tribal government is going

8 to make corrections if they are advised that

9 there is a concern. I can promise you just

10 politics are going to ensure that things are

11 going to get looked at and corrected, and I

12 think that if we build in those voluntary

13 compliance principles into the NIGC's

14 enforcement regulations and that people have

15 notice of NIGC's concerns that there are going

16 to be corrections. And I think that -- and

17 other federal regulatory schemes are exactly

18 like that, notice and opportunity to cure before

19 you ever go to that next step. So that's very

20 important.

21 Now, the issue with the Class II

22 regulations and the Class II MICS, I hadn't

23 talked about those before, but one of the things

24 that I think we all need to take into account,

25 it's really a good thing for us to have these

Page 73

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Class II regulations and the Class II technical

2 standards because it makes it perfectly clear

3 that electronic Class II gaming is lawful, one,

4 and, two, regulated, and that takes away huge

5 political arguments that pushed us back for many

6 years on the Class II front. So I want to thank

7 you for your willingness to take a look at those

8 regulations, but I also want to re-emphasize

9 with you and the rest of Indian Country that

10 those regulations are very beneficial to us and

11 would not like to see those kind of get flushed

12 out along with the Class II MICS, which are much

13 more problematic from a legal perspective --

14 Class III. Part 542. With respect to the

15 class -- the part 542 is the fact that, you

16 know, it is good and you save tribes a lot of

17 money by providing these kind of guidance. It's

18 never been an issue of are the MICS needed,

19 everyone agrees with that. That was never the

20 issue. And I know all three of you are very

21 cognizant of that.

22 I think the same thing is true

23 with IT standards. I don't -- I know that this

24 hasn't come up at least in the meetings I've

25 gone to, but during the last advisory committee

Page 74

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 meeting one of the sections that got addressed

2 were the, you know, the IT standards. And the

3 IT standards really went into every kind of

4 peripheral system that you have connected to

5 your gaming system. And it looked like it was a

6 major increase in NIGC authority over

7 back-of-the-house systems. Over accounting, you

8 know, software systems and those, you know,

9 automated jackpot systems and all of those kinds

10 of things. So my clients, in particular, we

11 were pretty upset about those IT standards. We

12 were thinking that's really taking NIGC's

13 authority a long way.

14 However, having said that, we do

15 see the benefit of the NIGC addressing these

16 issues because individually it would cost us

17 tens of thousands, if not hundreds of thousands

18 of dollars to bring to bear the expertise that

19 the NIGC can assemble around these issues. And

20 if you were publishing and promulgating

21 standards, as opposed to regulations, you get

22 out of that question of authority and into

23 really doing us a favor, you know, because you

24 do have that ability to bring together expertise

25 at relatively reasonable low to no cost and

Page 75

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 that's a wonderful, wonderful thing you can do

2 for tribes. Anyway, those are my comments.

3 Thank you.

4 CHAIRWOMAN STEVENS: Can I ask you

5 a question, Liz? Going back to Class II, they

6 were finalized back in 2008. They're not due to

7 be complied with until October of this year.

8 MS. HOMER: Right.

9 CHAIRWOMAN STEVENS: Do you and

10 your clients think they need to be revisited

11 before they go into that compliance?

12 MS. HOMER: I think that they do.

13 I think there are some big gaps in the MICS.

14 And with respect to the technical standards

15 there were a couple of items that stayed in the

16 technical standards that, you know, half the --

17 really need to be thought about being removed,

18 such as the regulation of the entertaining

19 display. An entertaining display is an

20 entertaining display. Why there are standards

21 to regulate an entertaining display, that has no

22 effect whatsoever on the outcome of the game, is

23 a big issue. It's putting us through more steps

24 and more hurdles than need be. The regulations

25 need to go into that software system itself, but

Page 76

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 the hardware being merely an electronic aid, you

2 want basic standards. The door needs to lock.

3 You want to make sure it doesn't electrocute

4 anybody, those kind of things, but with respect

5 to the peripheral stuff that doesn't have any

6 effect on the outcome of the game, it doesn't

7 make any sense keeping that in there.

8 Then there's the grandfather

9 issue. The grandfather issue has always been a

10 big one. I used to liken it, when I was

11 commenting on this a long time ago to, you don't

12 make Detroit start adhering to the new air

13 quality standards to cars that were built

14 10 years ago. You know, regulation is

15 prospective, not retroactive. And that these

16 games, especially the games the courts have

17 already said this is Class II gaming, or these

18 are just electronic aids, that's a done deal,

19 but they're nonetheless affected by that

20 grandfather provision and they had to have had

21 immediate compliance with that grandfather

22 provision, you know, for certain parts of the

23 software and then it's only a five year

24 grandfather. So once that five years is up you

25 kind of are losing your grandfathering system.

Page 77

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 So, you know, that needs to be rethought, as

2 well, you know. And those are really the two

3 big things. I think all of the rest of the

4 technical standards that are truly technical

5 standards, they help us as tribal regulators to

6 say, okay, if they meet these technical

7 standards that's Class II gaming. We have these

8 technical standards to apply and that's a good

9 thing. I think everyone agrees with having

10 technical standards as long as they are

11 reasonable and they go to preserving the

12 integrity of the game. I think we're all going

13 to be on the same boat with that.

14 CHAIRWOMAN STEVENS: Great.

15 Thanks.

16 MS. HOMER: Thank you.

17 VICE-CHAIRWOMAN COCHRAN: Madam

18 Chairwoman, I haven't heard much surrounding the

19 topic of the facility licensing standards, and I

20 was curious if anybody had any insight or

21 comments they wanted to offer. I know that's

22 been a hot topic in other areas of the country.

23 I'm curious if anybody here had thoughts on

24 that.

25 CHAIRWOMAN STEVENS: Oh, yeah. I

Page 78

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 can see the light going on.

2 MS. HOMER: Thank you for asking

3 that question. You know, kind of going back in

4 history a little bit. I was the -- when I was

5 the vice-chairman of the NIGC my job was to deal

6 with the environment public health and safety

7 issue and figure out some reasonable thing to do

8 about that, and it was pretty controversial, as

9 you all might recall. And finally what we got

10 to was promulgating basically an advisory

11 regulation that said, okay, as long as these

12 things are taken care of the NIGC is not going

13 to step in and usurp tribal authority with

14 respect to the environment public health and

15 safety. Of all the things that is the most --

16 the highest tribal interest, not the highest

17 federal interest. That was really -- that

18 worked out good. Everyone got happy about that

19 after I got pounded for a couple of years in

20 working on it. Everyone got on board with

21 having that kind of rule. What has subsequently

22 happened in the next administration is a coming

23 together of the language in Section 2710 with

24 respect to what has to go in a gaming ordinance

25 and then the language that says you have to

Page 79

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 license your gaming facilities. And suddenly we

2 have this comprehensive regulation on the

3 licensing of gaming facilities that has now

4 sucked into it this environment public health

5 and safety stuff. You know, with this oversight

6 function that the NIGC has to perform and so on

7 and so forth, this 160-day notice requirement

8 which is completely unreasonable. I see no

9 reason why a tribe should have to give 160-day

10 notice they're going to issue a gaming license.

11 First of all, that could have market

12 implications. You may want to have low profile

13 about what your plans are that far out, and

14 there may be a good economic reason that a tribe

15 doesn't want to give that kind of public notice.

16 So there's a lot of stuff, you know, in that

17 particular regulation that is pretty

18 questionable, and I think it's not beneficial to

19 the NIGC, either. You know, I mean do you want

20 to be the deep pockets liability? You know,

21 what if your inspections don't reveal something

22 that ends up being some big disaster somewhere?

23 Does the federal agency want to have the

24 liability for that? Does the agency have the

25 expertise to do those kind of things? I would

Page 80

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 suggest that's a pretty high level of liability.

2 Those are things other agencies can do and

3 tribes first and foremost are responsible for.

4 I think very strongly those the regulations need

5 to be revisited.

6 CHAIRWOMAN STEVENS: Another thing

7 we've heard a lot about in other consultations

8 is the self-regulation regulation. We're

9 wondering if another light goes on, Liz? You

10 know, it's in the act we have some reg's that go

11 to that point, allows tribes to become

12 self-regulated from certificate from us, but we

13 only have two tribes that are -- have the

14 certificate for self-regulation. One of them is

15 mandated by statute, so we have one tribe out of

16 233 that are self-regulated by the NIGC, and

17 that's where the question comes up in the

18 PowerPoint about the burden versus the benefit.

19 So if we have any tribes that have comments

20 about self-regulation and, you know, is this a

21 priority for us to address and how would you

22 like to see, you know, that prioritized and any

23 thoughts on self-regulation?

24 MS. HOMER: Thank you. Yes. I

25 will say that one of my clients, in particular

Page 81

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 the Chickasaw Nation of Oklahoma, is extremely

2 interested in seeing the self-regulation

3 regulation be reviewed. Our view is that the

4 regulation is of virtually no benefit, you know,

5 and it's basic, you know, law of construction

6 that statutory language has to mean something,

7 you know. And the way that the program has been

8 implemented it's basically meaningless to get a

9 certificate of self-regulation. In fact, it's

10 even worse. The reporting requirements for a

11 self-regulating -- a tribe with a certificate of

12 self-regulation is actually greater than with a

13 tribe that doesn't have a certificate of

14 self-regulation. So that's like a major

15 problem, I think. And I also think that the

16 self-regulation program, if modeled more after

17 the way self-governance is operated at the

18 Interior Department might prove beneficial to

19 the NIGC, as well as to tribes, in working out

20 some of these other issues, some of these kinds

21 of issues that are beneficial for the agency and

22 the tribe to work out. So I -- my clients,

23 especially the Chickasaw Nation feel very

24 strongly this is a regulation that needs to be a

25 high priority review.

Page 82

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 CHAIRWOMAN STEVENS: Not

2 necessarily directed to just Liz or the

3 Chickasaw Nation, but something to consider is

4 when you do submit comments let us know what

5 kind of priority is this; high, medium, low.

6 However you want to rank them to us to indicate

7 which is most important. We, as one tribe said,

8 I don't have a dog in that fight, you know, so

9 they may not have any comment but, you know,

10 clearly for us what we're hearing is MICS, MICS,

11 II and III technical standards facility

12 licensing. And then when you come into

13 self-regulation. Where do these fall? So

14 something to keep in mind as you move your

15 comments forward, what priority. That way we

16 know what to take on first and how to take them

17 on.

18 Mr. Burris.

19 MR. BURRIS: Tracey Burris, Gaming

20 Commissioner for Viejas Indians. First, I've

21 always loved the concept and I understood what

22 the framers were trying to do, but I thought

23 that in the process when reviewing what the NIGC

24 had implemented as the reg was too egregious.

25 No one could ever pass it. It would be too

Page 83

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 arbitrary and capricious. You would be subject

2 to the reviewer of its content. In other words,

3 one could pass because the reality, especially

4 then, no one could pass it. That's why 18 years

5 no one trampled on there. Even then, if you

6 look back at that role at that time, if you were

7 small and simple you could have gone through it

8 for a Class II. But as we progressed this

9 doesn't reflect the progress and that as you

10 increase size, increase transactions when

11 handling money, things are going to change.

12 There is nothing to give us an indication that

13 that would be considered. In other words,

14 it's -- I look at it all the time because I

15 think it has great potential for merit. Again,

16 the framers did it for a reason. It was to give

17 us credibility, but it wasn't to be so egregious

18 going through the process to be criticized. No

19 one loves to be criticized. There's going to be

20 flaws. Look at my audits, I'm not perfect. I

21 handle way too many transactions on the floor.

22 Too many things occur to be perfect. That could

23 be construed as not meeting the standard. As

24 progress has come along there has been no

25 equalization in that. I personally think it has

Page 84

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 great potential as a regulator, spending my life

2 as a regulator these last 24 years, it is very

3 important, it could be a benefit. It's how to

4 make sure it's a benefit and not a black eye.

5 Not just to the tribe that chooses to do it.

6 Obviously, if only two have done it in this time

7 it's been talked about and re-looked at. It's a

8 great model to set up where you want to get.

9 It's the reality is can you get there. And I'm

10 not sure you can in this day and age. So thank

11 you very much.

12 CHAIRWOMAN STEVENS: Other

13 comments? Lael are we missing anything?

14 PRESIDENT PATTERSON: Yes. If I

15 may, I think that is -- it is all relevant to

16 discussion as we look at the full scope of the

17 reg's. It's hard to look at just regulations

18 facing MICS and not realize the existing MICS

19 have been outdated and are too rigid to be able

20 adapt to the changing developing gaming

21 industry. I think the example of a GM car

22 10 years ago fits truly here. I think it is all

23 relevant and has potential merit, especially

24 when we look at the self-regulation section. We

25 pulled it up over here and it's quite -- there's

Page 85

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 no -- there's no way to ensure due process and

2 set expectations and clear lines of scope within

3 that process. I think it does merit to have

4 that discussion to discuss areas that are

5 outdated, et cetera. Thank you.

6 CHAIRWOMAN STEVENS: Yes, sir?

7 CHAIRMAN SIMMONS: Go along with

8 those lines. When you look at the technical

9 standards in the Class II I do agree they need

10 to be looked at. They need to be revised for a

11 broader scope. It does allow for openness for

12 advanced technology, a way for the operations

13 and for the tribes to go and be able to expand

14 out with a little more ease inside of it, but

15 when you have very narrow limitations on

16 technical standards and also in regards to Class

17 II, even Class III, that's inhibiting the

18 business practice, not trying to allow it to

19 grow. I do think they need to be revised and

20 that's more our top priority looking to make

21 sure Class II, Class III technical standards due

22 to be revised, those need to be revised. Those

23 need to be looked at. That's more of a high

24 priority for us.

25 CHAIRWOMAN STEVENS: Thank you for

Page 86

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 your comment and setting the priority, as well.

2 Yes, Mr. Burris.

3 MR. BURRIS: Tracey Burris again.

4 A comment to the last two technical standards,

5 something that should be considered. Two years

6 ago James Maida said at the G2E conference, that

7 Indian Country had developed a lot of technology

8 that's being used in Class III, take it in take

9 it out, back-of-the-house systems. The Class II

10 systems created that. I think for the future if

11 the downloadable becomes reality this is a

12 platform for that. So we don't want to hurt

13 ourselves for the future, but they don't need to

14 be so narrow that we can't broaden technology

15 and that we don't limit it to proprietary

16 interest of certain manufacturers or designers

17 or whatever. It has to be to the benefit of the

18 tribe they can still progress and choose who

19 they think would be the best provider for their

20 system. So we do need to look at these and be

21 cognitive of -- and I think Mr. Maida said it

22 well, it's not what Indian Country has brought

23 to this industry, but has been given no credit

24 for. We need to look at that very carefully,

25 but also look to the future where we are

Page 87

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 10 years from now with, who knows, virtual

2 reality? They'll be putting head sets on and

3 doing their gaming and sitting there doing this.

4 It's a reality. It's something you may do for

5 high rollers. It's something you may do for

6 other portions of your market. We have to be

7 careful not to leave that out, but we also have

8 to be cognitive that Indian Country has already

9 established a lot of this criteria for both the

10 mainstream Class III, as we know. I always

11 crack up. Isn't it hilarious when we talk about

12 Class III, the only thing Congress ever intended

13 that for was Indians. It wasn't for commercial

14 industry. It is amazing how everyone has

15 gravitated to Class II and Class III and that

16 distinction. If we're going to be that

17 distinction we need to be cautious and careful

18 how we do it, and be constructive. And I

19 appreciate this Commission attempting to do. As

20 I said before in San Diego, my direction for

21 council is be as helpful as possible as part of

22 the solution and we do not curtail our future in

23 any way. Thank you again.

24 CHAIRWOMAN STEVENS: Thank you,

25 Mr. Burris.

Page 88

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 Something I want to put out there,

2 too, to think about, not with just placing

3 priorities in your comments but the how. And

4 we've heard some comments about the advisory

5 committees, but the change in the technology and

6 how do we stay on top of that, whether it's

7 technical standards, Class II or Class III MICS,

8 there might be separate paths we have to take on

9 II and III. How do we -- what's the process

10 that we use so that we can change as the

11 technology changes or, you know, we're not

12 having to revisit these all the time because the

13 technology changes at the blink of an eye.

14 Something to think about. We've heard standing

15 committees in some of the other regions. Some

16 thought how do we -- how do we stay on top of

17 these changes without bogging down. Just

18 something to consider.

19 If we don't have any comments, we

20 are at the lunch hour. Commissioners, any

21 comments? Okay. We are at the noon hour.

22 We're scheduled for lunch. Lunch is on your

23 own. We'll resume at 1:30 and I think -- I

24 don't know what the process is. Interior has a

25 new cafeteria, but I'm not sure how we get in

Page 89

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 and out of the building over there. There are

2 other places past main Interior there's a

3 Subway.

4 PRESIDENT PATTERSON: Chairman,

5 for your consideration, I would put on the floor

6 if there's a need to continue after lunch. Can

7 we wrap up in summation the points before

8 adjourning for the day?

9 CHAIRWOMAN STEVENS: I leave that

10 to the tribal leaders. We may as a Commission

11 come back in case there wasn't somebody here

12 that wasn't here in the morning that may come

13 back in the afternoon?

14 COUNCILMAN McGHEE: We'll have

15 people at the February. If we miss something

16 here we have statements down in Florida. I

17 don't have a problem with wrapping up.

18 CHAIRWOMAN STEVENS: Were there

19 others in the audience representing their tribes

20 that had comment? Certainly that's why we have

21 this open format. We know you are all very,

22 very busy and come with prepared statements.

23 Rather than going line by line on the

24 regulations and having to wait your turn to have

25 a comment we left it open so you could say what

Page 90

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 you needed to say and many times tribal leaders

2 have very busy schedules and there's something

3 else in your day or many several things going

4 on. If you all need to go we appreciate that.

5 You've attended this morning, look forward to

6 your written comment. We will come back in case

7 we do have people whose schedule didn't allow

8 them to be here this morning. Yes?

9 COUNCILMAN McGHEE: I would like

10 to follow up and say thank you, especially for

11 taking this new approach to the Notice of

12 Inquiry. I think that's an approach I think

13 most of the governments and agencies could take

14 those approaches in the future. I think it's a

15 positive way for tribes to move forward.

16 CHAIRWOMAN STEVENS: Brian, I'm

17 not sure if that answered your question to the

18 group or not.

19 PRESIDENT PATTERSON: Whoever

20 shows up after. As you indicated, going to

21 break, the door is that way. We appreciate

22 that. Let's see. Again, I would just like to

23 extend to you a platform for the United South

24 and Eastern tribes, if you so desire to advance

25 any last round or thoughts as you approach your

Page 91

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 February 12th deadline.

2 Also, the invitation is genuine to

3 the cultural night reception which takes place

4 on Tuesday of February 8th. Thank you.

5 CHAIRWOMAN STEVENS: Thank you.

6 President Patterson, we did receive your

7 generous invitation and we're in the process of

8 getting approvals to attend. So thank you. All

9 right. Let's break for lunch.

10 (Whereupon, at 12:02 p.m., a lunch

11 recess was taken.)

12

13

14

15

16

17

18

19

20

21

22

23

24

25

Page 92

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1 AFTERNOON SESSION

2 (1:53 p.m.)

3 CHAIRWOMAN STEVENS: Well, I think

4 we only have one new newcomer, but from what I

5 hear he doesn't have anything to say. On the

6 record, Kevin Wadinsky.

7 Otherwise, unless someone has

8 something pressing, Seminole, Chickasaw, we'll

9 close out the meeting. And, please, if you have

10 comments submit them in writing on behalf of

11 your client, on behalf of your tribe. Let us

12 know which reg's, what priority and how we

13 should go about that process. Or anything else

14 you want to comment on. The net revenue

15 bulletin we talked about, feel free to put

16 comments on there. That's why we talk about net

17 revenues.

18 Other than that we'll let

19 everybody go. We appreciate you coming in.

20 Look forward to working with you. See you all

21 next week.

22 (Adjourned at 1:55 p.m.)

23

24

25

Page 93

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
1

1 1:22

10 77:14 85:22 88:1

11 20:20

11:00 59:13

12866 24:19

12:02 92:10

12th 27:22 39:13

44:11 92:1

15 59:12

160 80:7,9

18 84:4

18th 16:1 27:21

1951 1:15

1:30 89:23

1:53 93:2

1:55 93:22

2

20 3:4

2004 68:21

2008 32:21 76:6

2011 1:9

22 3:5

233 81:16

24 1:9 85:2

2710 79:23

3

3 25:17,17 32:16

38:18

30,000 28:25

303777 1:21

3rd 27:23

4

4 3:2

43 3:6

45 43:15

5

5 57:13

502 29:11

518 44:9

542 74:14,15

547 44:9

559 44:9

59 3:7

8

86 27:24,24

8th 59:24 92:4

9

9 3:3

93 1:22

9:00 1:10

a

a.m. 1:10

ability 57:14 61:3

64:3 75:24

able 5:21 8:7 51:13

67:22 68:11 85:19

86:13

access 33:13,22,23

34:7

accessible 28:8

accomplish 41:7

accomplishment

64:2

account 46:7 73:24

accountability 28:5

accountable 28:14

39:23 40:11

accounting 75:7

accounts 7:16

achieve 12:16 50:22

acknowledgment

11:10 56:5

act 7:22 14:10 24:17

24:18,21 55:2 56:20

57:13,14 81:10

action 30:6,10 73:3

actual 46:24

actuality 55:21

adapt 85:20

add 66:2

addition 24:19 25:1

additional 7:8 8:9

address 30:9 31:16

31:22 36:14 37:13

40:21 56:15 62:2,14

71:10 72:3 81:21

addressed 6:16

31:15 75:1

addressing 16:4

17:16 62:5 65:2

75:15

adhered 45:12

adhering 77:12

adjourned 93:22

adjourning 90:8

adjust 30:19

adjustment 45:19

administration

24:23 26:5 60:23

79:22

administrative

10:21

adopted 32:20 63:18

advance 60:3,25

61:4 62:21,23 64:24

65:6 91:24

advanced 60:11

86:12

advantageous 30:20

advised 73:8

advisement 68:11

advisory 18:16 27:2

32:23 35:11,13

38:10 44:22 45:7

48:5 62:19,25 63:5

63:17 74:25 79:10

89:4

advocacy 5:10

advocate 21:22

affairs 6:4 8:15 9:1

affect 45:21

afternoon 24:8

90:13 93:1

age 85:10

agencies 25:3,20

26:4 38:20,22 61:15

68:24,25 70:8,12,21

70:23 72:1 81:2

91:13

agency 6:24 12:8

15:2,23 24:22 26:9

37:19 39:4 52:4

57:21 58:11 80:23

80:24 82:21

agenda 14:5 17:21

21:24,25 24:22 40:6

40:12 60:1

ago 5:12 16:23

32:20 77:11,14

85:22 87:6

agree 17:25 86:9

agreement 33:9 36:8

agreements 8:4

30:25 36:8

agrees 74:19 78:9

ahead 5:20

aid 77:1

aids 77:18

air 77:12

aired 46:11,14

alabama 45:16,25

46:15

albuquerque 11:18

48:6

alliance 16:22

allow 53:20 86:11

86:18 91:7

allowed 52:9

allows 12:19 81:11

altimus 10:8

amazing 88:14

american 5:13

amount 15:19 17:16

17:24 19:1

announced 40:13

annual 64:15,21

answered 91:17

anybody 59:5 77:4

78:20,23

anyway 76:2

apart 12:25

apartment 41:2

apologize 26:2

38:14 41:16

[1 - apologize] Page 1

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
appeal 31:6 62:5

appeals 65:13

appearance 61:17

appearances 2:2

appeared 11:6 34:3

applause 10:25

apply 46:18 78:8

appointed 9:15

appointees 70:16

appointment 13:6

appreciate 6:17

20:24 22:13 27:18

43:14 44:20 45:3

47:17,21 48:2 53:11

60:10 72:16 88:19

91:4,21 93:19

appreciates 44:1

approach 8:12

12:10 61:9 62:6,13

63:10 71:23 91:11

91:12,25

approached 55:16

69:3

approaches 91:14

approaching 6:11

appropriate 24:18

27:3 32:5,9 36:25

37:4,20 39:3 63:23

64:13

appropriately 37:13

approvals 92:8

approve 8:3

approved 47:1

april 40:13

arbitrary 84:1

arduous 56:3

area 42:25 49:19

62:20 65:10 71:11

areas 35:18 42:1,10

43:2 60:24 62:14

63:9 65:2 78:22

86:4

arguments 74:5

arizona 42:21

asked 16:1 27:6

asking 36:6 79:2

asks 26:19

assemble 75:19

assist 54:16

assistance 6:20 12:4

14:10 35:5

associate 19:7 46:16

association 5:15

46:24

associations 32:7

37:17

assumed 5:20

assure 73:3

atlantic 5:19

attempt 64:21

attempting 88:19

attempts 53:20

attend 92:8

attended 69:22 91:5

attending 9:12 22:7

attention 6:19 19:14

56:7

attorney 31:3

audience 90:19

audit 29:15,22

audits 84:20

authorities 70:19,20

authority 8:2,3

31:19 32:1 34:13,18

49:14 50:2 68:1

70:24 75:6,13,22

79:13

authorized 52:21

automated 75:9

available 15:19 33:1

avenue 1:15

avoid 41:1

aware 35:12,12

b

back 5:15,16 6:2,23

8:24 18:15 28:9

38:17 41:15,19

48:11 51:14 59:7,13

69:20 71:17 72:14

74:5 75:7 76:5,6

79:3 84:6 87:9

90:11,13 91:6

background 15:23

18:14 21:1 30:25

33:6 45:14 53:10

backgrounds 44:5

bailed 43:25

balance 32:3 59:3

band 2:10,12,18

9:22 43:22 44:17

66:10 67:9

bank 7:16

barbry 2:14 54:23

54:24 55:8,13

base 28:7

based 16:18 45:11

basic 77:2 82:5

basically 16:1 43:4

79:10 82:8

basis 29:18

bat 43:18

beakman 2:21 66:1

bear 60:9 75:18

beautiful 4:18

beginning 8:23

12:10,11 22:17

begins 40:16

behalf 34:14,14 63:6

64:14 93:10,11

believe 25:2 41:14

44:6 52:17 59:10

61:9 63:18 66:7

68:3

beneficial 50:13

74:10 80:18 82:18

82:21

beneficiary 36:13

benefit 7:14,16,24

30:17 47:20 50:19

57:9 66:22 75:15

81:18 82:4 85:3,4

87:17

benefits 7:17 57:7

57:12

best 8:8 20:7 41:1

51:16 54:1 87:19

better 14:20 23:21

49:15 54:2 68:11,13

70:14

bia 55:3,6 69:25

big 10:25 21:22 36:5

36:5 47:18 60:25

76:13,23 77:10 78:3

80:22

bigger 15:12

bill 5:18

biloxi 2:14 54:24

binding 58:5

bit 15:22 23:16

24:11,12 34:4,22

49:11 51:2 58:4

65:23 79:4

black 48:8 49:2 85:4

blink 89:13

board 36:22 79:20

boat 78:13

bodies 50:11

body 13:19

bogging 89:17

books 31:21

box 24:5 32:14

61:22

brad 67:3,7

break 53:16 59:7,13

91:21 92:9

brethren 72:6

brian 2:6 3:7 4:18

43:23 59:19 60:8

71:21 91:16

brief 59:14

briefly 18:18 22:4

bring 19:8 39:10

42:23 75:18,24

bringing 71:6

broad 13:11 51:18

broaden 87:14

[appeal - broaden] Page 2

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
broader 86:11

broker 55:21 56:12

brought 15:23 87:22

budget 15:16

budgeting 15:9

build 60:2 61:10

71:11 73:1,12

building 12:3,15

50:18 90:1

built 60:14 65:6

77:13

bulletin 93:15

burden 27:13 30:16

81:18

burdensome 64:17

bureaucratic 8:17

burris 83:18,19,19

87:2,3,3 88:25

business 4:22 5:3

27:16 54:25 55:2,20

55:23 56:6,13 58:12

86:18

businesses 56:11

57:23

busy 90:22 91:2

button 24:14

buy 37:15,18,23

55:2 56:11,20,22

57:13,14

c

c 4:1 25:17 38:18

60:25,25 61:1,7

68:18

cafeteria 89:25

calculated 29:18

calculation 29:21

calendar 29:16,18

29:20 54:14

california 42:14

call 13:16

called 69:1

capable 8:14

capital 61:1,7

capricious 84:1

car 85:21

care 52:22 66:2

79:12

careful 88:7,17

carefully 20:4 63:11

87:24

cars 77:13

case 11:15 90:11

91:6

cases 8:13

cash 7:8

casino 58:16

casting 51:18

caution 7:1 62:24

63:16

cautious 88:17

cautiously 7:6

certain 11:7 52:10

52:11 54:5 70:19,20

77:22 87:16

certainly 13:8 28:21

58:8 59:25 62:20

70:2,17 71:1 90:20

certificate 30:16,21

46:4 81:12,14 82:9

82:11,13

certification 56:4

cetera 69:1 86:5

chair 2:9 21:4 34:17

37:7 43:24 59:20

72:8

chairman 2:14,17

4:12 5:9 14:9 19:6

49:8 54:23 55:8,13

66:6,9 67:6,7,8 71:4

79:5 86:7 90:4

chairperson 67:2

chairs 43:24

chairwoman 2:3,7

4:5,12 6:10 9:6,10

9:15 19:10 21:18

25:7 35:2 41:19,21

42:4 44:13 47:4,17

49:6,8 51:15 54:22

57:17 59:12,15 66:6

67:5 68:15,20 69:16

70:1 71:14 76:4,9

78:14,17,18,25 81:6

83:1 85:12 86:6,25

88:24 90:9,18 91:16

92:5 93:3

challenge 50:7 51:3

challenging 22:10

42:11,16,25

chambers 51:23

chance 49:24

change 6:7 48:18

49:2 72:18 84:11

89:5,10

changed 17:5

changes 7:12,14,17

8:1 17:8 21:20,20

26:19 89:11,13,17

changing 7:7 85:20

charged 18:12

checking 61:22

chickasaw 4:9 82:1

82:23 83:3 93:8

chief 2:19 10:15

child 23:10

choose 87:18

chooses 85:5

chunk 53:3

cindy 10:7

citizens 7:20

city 5:19 11:18 42:6

42:18

civil 23:10

clan 60:9

clarify 18:20 34:12

43:8 57:19

class 31:20,20,24

32:2,6,16,17,17

35:20 44:25 45:4,17

53:8 67:19,19 73:21

73:22 74:1,1,3,6,12

74:14,15 76:5 77:17

78:7 84:8 86:9,16

86:17,21,21 87:8,9

88:10,12,15,15 89:7

89:7

clear 7:10 31:7 74:2

86:2

clearer 34:24

clearinghouse 32:6

clearly 5:20 66:20

83:10

client 93:11

clients 43:10 75:10

76:10 81:25 82:22

clock 21:11

close 93:9

closes 27:21 39:12

cochran 2:7 4:13

14:9 19:6,10 78:17

code 23:13

coffee 59:8 71:19

cognitive 87:21 88:8

cognizant 63:11

74:21

collaborate 64:4

71:7

collaboration 49:16

61:5,20

collaboratively 14:3

14:4 22:20 70:9

collateral 8:4 30:25

collect 66:12

come 10:18 11:11

12:22 15:20 18:7,8

20:25 21:13 24:6

26:10 27:16,17

28:22 32:4,12 33:4

34:8 40:7 43:25

44:5 47:2 56:17

59:13 74:24 83:12

84:24 90:11,12,22

91:6

comes 7:13 16:7

26:8 67:23 81:17

coming 19:19 20:8

21:16 30:3 32:8

36:6 79:22 93:19

[broader - coming] Page 3

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
commend 61:25

71:22

commendable 6:25

comment 27:21,24

36:9 39:12 40:2

48:2,4,14 51:16

52:20,21 56:15 59:6

62:14 63:22 83:9

87:1,4 90:20,25

91:6 93:14

commenting 77:11

comments 4:15 9:25

18:7,11 22:15 24:6

28:3,9,10,18 37:6

38:16 39:15,17,22

43:7 44:8,10 45:11

46:23 48:8,12,13,16

49:4,7 52:16,18

53:12,23 56:9 59:16

62:9,11,15 65:5

67:4 68:16 71:2,16

71:18 72:14 76:2

78:21 81:19 83:4,15

85:13 89:3,4,19,21

93:10,16

commercial 5:17

88:13

commission 1:1 2:4

2:16 6:8 11:3,19

13:9 21:5 22:24

25:11,17 27:9 31:2

31:6 36:21 38:19

39:8 40:1 43:24

44:2,20 45:8,10

46:9 47:11 48:4

49:13,18 50:14 54:3

56:25 62:22 63:21

65:11,19,22 67:2,8

68:4,8,22 69:7 72:9

88:19 90:10

commission's 45:9

47:13

commissioner 2:8

2:15 4:13 15:12

19:7 20:14,16 21:17

27:25 46:16,17

65:25 66:4 83:20

commissioners

14:18 37:6 51:23

89:20

commissions 50:2

58:5 68:9

commit 51:5

commitment 39:25

40:1,18

committee 27:2

32:24 35:11,13,16

35:17 38:11 44:24

45:5,7,8 48:6 62:19

62:24,25 63:5,17

74:25

committees 18:17

44:22 89:5,15

common 49:25

50:20

communicate 11:21

36:19,24 51:17

70:11,23 71:8

communicates

63:25

communicating

64:7,14

communication

36:17 50:4,6 51:18

52:6 63:23 64:5

65:1 68:2

communications

53:13 54:3 68:5

communities 22:11

community 34:21

compacts 45:3

67:16

companies 67:24

company 34:10,10

competing 37:5

52:17

completely 80:8

compliance 35:5

46:3 73:13 76:11

77:21

complied 76:7

comprehensive 80:2

concept 83:21

concern 36:14 55:13

56:6 62:15 63:9

73:9

concerned 15:5,6

38:16 40:20,24

concerning 60:21

concerns 6:15 12:22

13:8,25 30:24 35:15

44:21 45:9 46:5

55:24 56:14 73:15

concerted 48:18

conclusion 59:3

conducted 65:14

conference 13:16

37:22 40:14 87:6

conflict 37:12

congratulate 72:20

congress 5:13,13

26:6 88:12

connected 75:4

connecting 50:5

consensus 64:19

consider 18:3 39:5

51:16 62:21 83:3

89:18

consideration 8:1

45:21 71:3 90:5

considered 7:6 8:20

40:3 47:15 57:10

84:13 87:5

considering 6:6 7:8

constantly 45:16

constituency 26:11

constitution 1:15

construction 82:5

constructive 88:18

construed 84:23

consult 12:17 25:20

25:23 64:11

consultation 1:2 5:2

6:9 9:20 12:2,14

25:9 27:23 28:2,3

33:18 39:15 40:4

41:24 42:2 51:12

60:24 61:1,5,6,21

63:1,19 71:23 72:2

consultations 7:5

8:18 11:16 12:12

13:5 24:9 29:6 30:3

42:19 56:18 58:13

58:24 66:15 81:7

contact 48:24

content 84:2

context 58:18

continue 90:6

contract 29:13

57:14

contracts 8:3,8

16:17 30:24 31:24

control 65:5 68:9

controls 53:11,18

controversial 33:4

35:14 79:8

convenient 27:19

conversation 20:13

38:2

coordinated 70:15

coordination 11:5

copies 24:7

copyright 26:5

correct 11:9

corrected 73:11

corrections 73:7,8

73:16

cost 57:9,12 72:22

75:16,25

costly 6:24

council 37:7 43:21

49:13,18 50:1,14

51:23 53:6 54:11

64:16,22 68:10,11

88:21

councilman 2:10,12

43:20 44:14,15,16

47:7 62:18 90:14

91:9

[commend - councilman] Page 4

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
counsel 2:9,21 10:5

10:6 23:6 33:21

36:22 54:13 64:18

66:1

countries 8:11

country 5:11 13:15

26:8 27:11,13,15

33:5 39:9 50:9

60:13,14,16,18,21

61:10,14,15 62:2,3

62:7,23 63:10 64:1

65:17,24 71:9,12

72:23 73:6 74:9

78:22 87:7,22 88:8

couple 11:17 16:22

30:22 72:11 76:15

79:19

course 22:1

court 31:5,18

courts 77:16

covered 43:14

covers 42:12

crack 88:11

created 50:1 87:10

creates 49:19

credibility 84:17

credit 87:23

creek 2:11,13 43:22

44:17 62:18

crit 31:17

criteria 88:9

criticism 52:1

criticized 46:1 84:18

84:19

crucial 61:15,15

63:20

crux 12:7

crystal 59:24

cultural 59:24,25

92:3

cure 73:2,18

curious 78:20,23

current 5:25 35:8

curtail 88:22

d

d 2:1 4:1

d.c. 1:16 10:2 11:19

13:15 19:22 20:8

27:17

dakota 42:6

dan 15:12

daniel 2:8,15 3:4

20:15 65:25 66:2

dawn 10:15

day 4:19 13:1 18:19

27:16,24 43:16

45:23 80:7,9 85:10

90:8 91:3

days 48:12

deadline 44:10,11

92:1

deal 25:13 50:10

55:18 77:18 79:5

decide 57:5

decision 18:5,6,8

28:9 31:17 37:9

40:9 52:9,12,25

decisions 15:9 20:5

28:7 40:6,8 46:6

dedicated 24:5

deep 80:20

deeply 16:19

defer 38:24 39:6

43:5

defined 69:9

definition 7:7 29:12

36:12,12 54:25 55:1

55:7,9

definitions 29:13

delays 8:17

demand 56:24

demands 57:1

department 1:14

29:15 70:14 82:18

departments 53:9

deputy 10:15

designate 52:14

54:5

designated 43:9

designating 52:15

designees 59:17

64:9

designers 87:16

desire 91:24

desk 38:14

detail 63:20

determinations 36:7

determine 64:10

determining 25:18

25:18

detroit 77:12

devastating 5:5

develop 61:24 62:13

developed 87:7

developing 38:21

85:20

dialogue 4:24 12:20

22:18 44:21 60:19

61:19 62:1 71:8

diego 11:17 36:10

88:20

difference 69:13

different 13:4 17:4

28:24 29:20,21

63:14,14 67:16

difficult 22:10 23:13

35:14 37:8

directed 83:2

direction 28:12,12

28:13 44:18 45:6

52:16 88:20

directly 6:14 7:17

director 10:9

directors 36:23

disagree 18:4 51:6

disaster 80:22

discuss 49:10 68:21

86:4

discussion 5:3 7:4

21:7 22:19 47:3

59:11 85:16 86:4

display 76:19,19,20

76:21

dissect 66:22

distinction 88:16,17

division 10:12

document 40:3

documents 66:21

dog 83:8

doi 42:8

doing 14:25 15:3,8

15:10,13 16:24

21:23 51:17 63:4

75:23 88:3,3

dollars 37:20 75:18

door 77:2 91:21

dots 50:5

downloadable 87:11

downside 47:23

downstairs 59:10

draft 32:18

drafted 5:18

drafting 16:6 25:21

48:13

drier 49:3

drive 42:13,14

dryer 48:10

duck 5:12

due 65:15 76:6 86:1

86:21

duo 39:20

dust 49:23

e

e 2:1 4:1,1 14:15

24:5,5 51:25 68:18

earl 2:14 54:24

earlier 48:4 54:18

66:8

ease 86:14

easier 23:17 54:17

54:20

easily 29:23

east 72:2

eastern 10:9 59:23

60:6 71:24 72:5

91:24

[counsel - eastern] Page 5

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
easy 38:8,11

echo 2:9 3:5 10:22

18:12 22:21,22,23

22:24 23:3 48:3

55:1,10,25

economic 80:14

economies 5:6

editorial 60:13

effect 66:23 76:22

77:6

effective 64:25 65:1

71:8

effort 48:18 51:20

60:22 61:12,21

70:15

efforts 5:15 60:7

egregious 83:24

84:17

either 34:14 49:18

80:19

elders 43:6

elected 37:10 64:16

electrocute 77:3

electronic 10:13

74:3 77:1,18

elephant 31:13

eliminates 68:6

elizabeth 71:19

72:10

else's 6:2 8:24

embark 22:2

embarked 11:20

emphasize 66:11

72:12 74:8

emphasizing 51:13

enacting 26:14

encourage 14:21

70:18

ends 80:22

enforce 31:19

enforcement 10:11

30:6,10 34:15,23,25

68:24,25 69:5,14

70:10 72:15,25 73:3

73:14

ensure 65:15 73:10

86:1

enter 8:8 56:22

enterprise 67:25

entertaining 76:18

76:19,20,21

entire 22:11

entity 64:13

environment 79:6

79:14 80:4

equalization 84:25

ernie 5:9

especially 46:14

66:24 70:15 77:16

82:23 84:3 85:23

91:10

establish 25:19

38:24 64:4 65:16

70:15,16

established 88:9

establishing 62:1

65:11

establishment 62:25

63:4,17,24 65:1

et 69:1 86:5

everybody 13:22

18:24,25 20:17

21:15 49:20 93:19

exactly 73:17

examine 62:21 70:3

examining 69:18

example 42:20

54:10 64:19 85:21

exchange 12:20

61:19

excites 61:20 65:10

exciting 65:18

exclusive 70:6

excuse 56:24

executive 11:3 21:21

24:19 25:10,12

38:18 39:5 54:12

68:4

exercise 15:21

exercising 6:3 8:25

exist 17:3

existing 85:18

expand 8:2 86:13

expect 13:8,9 22:5

expectations 6:22

65:16 86:2

expend 58:21

experience 49:14

53:7

expertise 75:18,24

80:25

express 22:25 34:17

61:11

extend 60:5,6 62:2

91:23

extending 59:21

extensive 7:5

extent 52:19,22

extremely 35:13

82:1

eye 85:4 89:13

f

facilities 5:22 8:9

27:12 28:22 35:19

35:20 37:23 58:15

58:16,22,23 80:1,3

facility 13:18 28:23

33:24,25,25 34:11

78:19 83:11

facing 85:18

fact 31:22 33:18

46:20 47:11 52:3

67:15 74:15 82:9

factors 53:15

fairly 24:1

fall 27:14 83:13

far 22:9 33:19 61:16

61:16 80:13

fast 24:2

favor 75:23

faxed 14:15

faxes 51:24

fbi 33:15,21 68:25

69:23 70:13

fcc 26:5

february 27:22,23

39:13 44:11 59:24

90:15 92:1,4

federal 6:21 7:4 8:7

25:19 40:14 48:1

53:19 56:1 58:11

61:14 68:24 72:1

73:17 79:17 80:23

federally 64:8,12

feds 44:4

feel 5:24,24 16:24

37:15 47:10 69:5

72:24 82:23 93:15

fees 29:13,17 30:4

felt 15:21 46:15,17

59:22

field 13:16 65:17

fight 83:8

fighting 45:10,16

figure 32:3 37:12

79:7

file 31:6

fill 14:21

final 46:11

finalized 40:12

44:10 76:6

finally 15:24 27:1

36:17,18 37:14

38:17 79:9

financial 29:15 59:4

financially 58:18

fincen 69:23

find 48:25 49:25

findings 29:22

fine 47:6

fines 30:9

fingerprinting

33:13,14 45:15

first 6:12 7:13 14:7

16:7 26:24 43:6,17

44:17 53:16 62:17

80:11 81:3 83:16,20

[easy - first] Page 6

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
fiscal 29:16,19

fit 39:3

fits 8:12 60:1 85:22

five 11:16 30:3

59:13 77:23,24

flaws 84:20

flexibility 24:21

floor 49:6 59:16

84:21 90:5

florida 2:20 27:23

68:19 90:16

flow 7:9 15:17 16:15

50:6

flushed 74:11

focusing 6:18

folks 10:10 42:15

43:8

follow 9:22 44:16

56:20 91:10

follows 12:1

foot 29:1

force 69:4,5,13,14

forced 5:16

fore 60:14

foregone 59:3

foremost 81:3

foresight 72:3

form 5:17 36:1 54:6

57:1 58:4 61:6

64:22

formal 37:3 65:12

65:21

formalizing 33:11

37:25

format 12:18,19

18:10 33:10 38:7,11

90:21

formation 68:21,22

former 21:17

forms 68:2

formulating 38:21

forth 60:12 62:5

80:7

forum 13:10,11 14:1

62:22

forward 9:3,7 20:13

22:14,19 25:13 28:7

45:19 46:23 47:1

60:21 62:7 71:6

83:15 91:5,15 93:20

foul 50:8

found 60:14

four 11:21,24 12:8

framers 83:22 84:16

frames 31:8

free 93:15

frequently 63:12

fresh 73:1

friction 49:20

friday 39:14

front 6:22 26:10

31:4 56:12 74:6

fronts 51:14

full 59:22 85:16

fully 18:6

fulsome 63:1

function 80:6

funded 37:20

funds 15:19

further 51:4

future 47:2 54:2,16

54:20 58:5 63:12

87:10,13,25 88:22

91:14

g

g 1:20 4:1

g2e 87:6

game 67:8 76:22

77:6 78:12

games 43:24 77:16

77:16

gaming 1:1 2:4,16

5:11,14,17,18,25

6:7 7:22 8:9 9:4

10:13 14:19 23:10

23:20 24:16 36:21

37:18 44:2,19 49:13

49:18 50:1,14 53:7

53:8 54:12 56:25

62:9 65:25 67:2

68:4,23 74:3 75:5

77:17 78:7 79:24

80:1,3,10 83:19

85:20 88:3

gaps 76:13

gaston 39:19

gauntlet 65:23

general 2:21 10:5,6

33:21 45:5 62:9,15

65:25

generations 63:12

generous 92:7

genuine 92:2

geography 42:12

getting 30:16 50:11

50:24 51:24 53:15

71:19,21 72:23 92:8

giant 31:13

give 4:14 11:9 41:2

68:11 80:9,15 84:12

84:16

given 19:22 32:1,11

67:14 87:23

giving 23:2 33:22

glad 60:18

gm 85:21

go 13:14,16 15:20

16:3,15,19 17:15

18:9,17 19:5 22:3

24:5,6 26:11 27:11

27:15 28:12,13 31:4

37:21 38:11,17

42:21 45:19 46:23

48:11 55:16 56:9

57:15 65:2 73:19

76:11,25 78:11

79:24 81:10 86:7,13

91:4 93:13,19

goal 23:23 50:21

67:12

goes 7:15 81:9

going 10:23 11:23

14:1,3,4,13 15:5,6

17:20 18:1,2,5,19

20:5 22:1,17,18

23:25 24:24 25:13

26:7 28:4 30:5 40:9

42:5,19 43:4 44:19

45:6,13,18 46:7

48:21 49:22 50:8

52:10,23,24 57:21

57:24 59:9 66:17,21

67:3,11 73:2,6,7,10

73:11,15 76:5 78:12

79:1,3,12 80:10

84:11,18,19 88:16

90:23 91:3,20

good 4:11 9:23

14:24 19:3,4,10,11

20:2,16 21:2 22:23

32:4 33:3,5 34:20

37:15 39:9 41:6

60:8 68:16 70:7

73:25 74:16 78:8

79:18 80:14

goods 56:21,22 57:3

57:6,8

govenor 22:25

governance 82:17

government 4:23

7:19 15:15,22 17:18

37:10,10 48:1 52:4

52:4,13 56:1 57:2,5

58:10 61:13,13

64:10,23 70:7 73:7

governments 5:6

15:20 61:2,3 64:6

91:13

governor 4:8 19:15

19:18,18 45:24

47:10

governs 23:20

grandfather 77:8,9

77:20,21,24

grandfathering

77:25

gratitude 22:25

61:11

[fiscal - gratitude] Page 7

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
gravitated 88:15

great 4:19 20:20

39:20 45:13 60:1

71:5 72:22 78:14

84:15 85:1,8

greater 82:12

greatest 64:2

greatly 65:10

group 12:18,19

13:10,11 32:18

68:23,24 69:2,3,4,8

69:11,12,15,18,21

70:3,6 71:2,3,10

91:18

grow 86:19

grueling 72:21

guess 53:11,25

67:12

guidance 38:4 74:17

guideline 32:5 67:13

guidelines 67:20

guiding 6:5 25:12

gustafson 2:15 66:4

guys 39:21 45:23

47:2

h

h 53:2

half 23:6 41:3 76:16

handed 49:3

handheld 41:14

handle 40:20 68:10

84:21

handling 84:11

hands 23:16

happen 35:1 41:2

happened 79:22

happening 48:25

happens 40:17

happy 30:7 79:18

harangued 72:10

hard 11:2 24:7 44:3

54:18 85:17

hardware 77:1

harris 39:19

hawk 2:9 3:5 10:22

18:12 22:21,22,23

23:3 48:3 55:1,10

55:25

head 55:12 88:2

headed 14:9 15:11

heading 11:22 18:12

health 79:6,14 80:4

hear 6:14 7:11 12:21

12:21 14:2,16 15:1

18:2 19:25 20:20

28:20 31:11 33:20

36:15 38:3 41:5

45:23 60:19 93:5

heard 11:25 16:12

16:13,17 26:2,13

27:4 28:11 29:5,11

29:14 30:2,14 31:15

32:4,5,10,21 33:24

34:4,16 35:15 48:6

50:7 56:8 58:1

78:18 81:7 89:4,14

hearing 34:22 83:10

heart 59:21

held 29:7 42:3 58:14

72:2

help 8:20 11:12

17:21,23 26:13 33:1

38:15 51:5 78:5

helpful 14:19 88:21

helping 50:13

hey 48:7

hhs 55:3

high 81:1 82:25 83:5

86:23 88:5

highest 79:16,16

hilarious 88:11

historic 2:19

history 69:20 79:4

hit 42:22

hitting 11:23 42:18

ho 53:3

hoenig 10:6

hold 58:24

holding 71:23

hole 48:8 49:2

holst 53:2,2

homa 11:1

home 51:14

homer 2:17 21:17

34:22 66:9 72:8,10

76:8,12 78:16 79:2

81:24

honesty 21:10

hope 20:10 27:19

39:10 45:17

hopefully 32:15

33:21 66:18

hopes 66:16

hosted 53:5

hot 78:22

hotel 37:21

houle 10:15

hour 89:20,21

hours 48:12

house 23:6 36:22

75:7 87:9

housed 34:8

huge 37:13 74:4

hundreds 75:17

hurdles 76:24

huron 2:18 66:10

67:9

hurt 87:12

i

idea 39:1 48:16

ideas 6:12 12:20

identified 60:4

62:11 65:17

identify 14:5 63:8

64:13

identifying 60:24

63:24

igra 36:9

ii 32:17,17 44:25

45:4,17 67:19 73:21

73:22 74:1,1,3,6,12

76:5 77:17 78:7

83:11 84:8 86:9,17

86:21 87:9 88:15

89:7,9

iii 31:20,20,24 32:2

32:6 35:20 53:8

67:19 74:14 83:11

86:17,21 87:8 88:10

88:12,15 89:7,9

immediate 77:21

impact 5:25 20:6

impacts 4:25 7:11

impede 58:9

impedes 57:4

imperative 7:10

implement 24:18

implemented 82:8

83:24

implementing 24:17

38:21

implications 7:9

38:22 66:24 80:12

importance 25:16

important 4:16,22

4:24 6:1,16 20:1

32:16 39:7 40:22,23

51:11 53:14,14

73:20 83:7 85:3

improve 70:12

improvement 66:13

improving 11:20

inadequate 35:18

included 68:5 69:22

including 23:9

25:14 68:25

inclusive 51:20

inconsistent 64:22

incorporated 31:23

31:25 67:18

increase 75:6 84:10

84:10

independent 50:2

indian 1:1 2:3 5:14

7:21,22 8:11 9:4

23:20 24:16 26:8

[gravitated - indian] Page 8

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
27:10,13,15 33:5

37:15,18,19,23,23

38:24 39:9 55:2

56:5,11,20,22,25

57:13,14,23 58:6,14

58:15,22,22 60:12

60:14,16,18,21

61:10,14,15 62:1,3

62:6,23 63:10,25

64:1 65:17 68:23

71:9,12 72:23 73:6

74:9 87:7,22 88:8

indians 2:11,13 5:14

7:16 43:22 44:17

83:20 88:13

indicate 83:6

indicated 91:20

indication 84:12

individual 13:7,10

13:13,25 67:23 68:8

individually 75:16

individuals 45:2,4

47:14 54:5

industry 17:6,7,13

26:12 29:3 30:1

32:15 35:19,20

85:21 87:23 88:14

inexpensive 58:23

information 26:15

28:6 37:1 49:12,16

50:24 51:19,22 65:9

66:12

informed 18:6

infractions 6:23

inhibiting 86:17

initiative 14:7,8

18:13 37:17 65:18

70:8

initiatives 6:25

11:22,24 25:14

innovative 32:12

input 21:25 26:16

36:16 38:3 39:8

53:21

inquiry 10:23 15:25

18:18,21 22:4 26:1

26:3,17 91:12

inside 67:25 86:14

insight 78:20

inspection 34:7

inspections 80:21

integrity 61:7 78:12

intend 20:2,3

intended 88:12

intent 18:21

interest 5:17,19 6:2

8:24 19:1 36:4,9

60:22 63:15 79:16

79:17 87:16

interested 31:10

33:19 82:2

interesting 19:22

interests 5:3

interior 1:14 70:14

82:18 89:24 90:2

internal 53:10,17

58:2 65:4

interpreted 16:10

16:10

interview 24:20

introduce 65:21,24

66:7 67:2

introduction 20:23

intrusive 64:18

investigated 69:3

investigations 31:1

33:7

invitation 59:22

92:2,7

invocation 4:4

involved 14:18 56:2

involves 33:15

irs 69:22

issue 13:17,19 29:23

33:17 36:5 37:13

40:20 56:8 64:15

73:21 74:18,20

76:23 77:9,9 79:7

80:10

issued 25:2 34:19

46:21

issues 6:15 7:3 8:19

13:10 26:10 29:5,6

36:18 44:8 45:15,21

45:23 46:2 50:12,16

62:3,11 63:9 64:11

65:13 71:10 72:11

73:6 75:16,19 82:20

82:21

issuing 25:22

item 7:25

items 76:15

j

jackpot 75:9

jaime 41:15

james 87:6

january 1:9

jefferson 2:5 3:2

4:10 41:21,24

jerk 49:22

joanne 10:6

job 1:21 11:13 14:25

22:10 79:5

joining 19:12

joint 50:16

jointly 5:15

joking 9:20

jon 53:2

jr 5:9

juice 59:8

july 9:16

june 9:15

jurisdiction 70:25

justice 69:23

k

keel 2:5 3:2 4:9,10

4:11 9:11 20:22

23:1 29:11 41:22,23

41:24 42:5 56:19

57:18

keep 16:24 59:9

62:15 83:14

keeping 77:7

keith 2:12 3:6 43:19

43:21 45:14

kevin 93:6

key 51:1

kind 11:23 24:24

29:19 37:14 39:11

49:10 51:1 57:22

74:11,17 75:3 77:4

77:25 79:3,21 80:15

80:25 83:5

kinds 75:9 82:20

knee 49:22

know 10:4,7,11,14

11:8 13:22 14:13,18

16:9,18 18:5,6,10

18:22 19:2 20:7

21:2,10 23:13,22

27:24 28:21,23 30:7

30:11 31:3,16,17

32:24 33:2,16,16

34:5,19 36:2,20

37:2,5,11,16 39:22

39:22 40:9 42:23

43:10,17 44:5,25

45:25 47:12,20,22

48:22 49:19,20 50:7

50:9,20,24,25 51:4

52:15,15,20,20

53:11,13 56:7,8,13

57:13,24 58:3,7,11

60:20 64:2 66:20

69:6,20 70:5,10,19

70:22 72:10,19 73:6

74:16,20,23 75:2,8

75:8,23 76:16 77:14

77:22 78:1,2,21

79:3 80:5,16,19,20

81:10,20,22 82:4,5

82:7 83:4,8,9,16

88:10 89:11,24

90:21 93:12

knowing 46:5 69:13

70:21

[indian - knowing] Page 9

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
knowledge 49:21

53:10

known 12:22

knows 88:1

l

l 53:2 68:18

labs 35:21

lack 36:12

lael 2:9 3:5 10:22

16:19 18:11 21:4,21

22:3,21,22 23:3

70:17 72:13 85:13

lame 5:12

land 58:14

landed 38:13

language 79:23,25

82:6

large 33:7 35:19

62:20

larry 10:7

las 5:19 34:12

lashon 10:20

latched 38:20

late 30:4,9

law 46:16 47:9

69:14 82:5

lawful 74:3

layer 8:10

layers 8:16

leader 5:24 52:13

64:8

leaders 6:17 7:11

14:17 19:11 20:1

22:9 27:15 43:6

59:17 72:9 90:10

91:1

leadership 6:10 43:5

51:22

leading 5:10

learn 69:10

leave 88:7 90:9

left 40:23 90:25

legal 54:13 74:13

legitimate 21:25

letter 60:13

letting 48:22

level 15:18 29:1,1

30:10 55:14 65:16

81:1

levels 8:6

liability 80:20,24

81:1

library 26:5

license 33:24 55:17

80:1,10

licensed 56:10

licensing 33:25 34:1

56:16 66:24 78:19

80:3 83:12

lieutenant 4:8 19:15

19:17,18 22:25

life 19:17 85:1

light 25:13 31:17

79:1 81:9

lightly 30:12

liken 77:10

limit 87:15

limitations 86:15

limited 17:16 57:20

57:21

line 5:17,21,25 16:6

16:6 40:15,15 70:22

90:23,23

lines 86:2,8

listed 42:2

listener 20:2

listening 14:6 20:4

43:15 45:8 48:5

72:17,17

little 2:8 3:4 4:13

15:12 19:7 20:14,15

20:16 23:16 24:11

24:12 27:25 49:10

50:17 51:2,8 60:25

65:23 67:17 79:4

86:14

liz 21:17 26:2 76:5

81:9 83:2

local 57:11

location 27:19 59:1

lock 77:2

logistically 23:25

logistics 24:2,11

51:3 59:9

long 61:16 65:2

75:13 77:11 78:10

79:11

look 4:16 9:3,7 15:4

20:12 22:14,19

23:18,19,23 24:24

25:3 26:24 29:24

30:18 34:6 36:10,11

38:14 40:3 45:18

47:1 48:11 49:24

55:10 66:12 71:3

73:1 74:7 84:6,14

84:20 85:16,17,24

86:8 87:20,24,25

91:5 93:20

looked 46:1,2 48:17

48:17 73:11 75:5

85:7 86:10,23

looking 15:14,15,16

15:17 17:20 21:8,9

38:4 45:20 46:6

48:23 69:20 73:5

86:20

lose 48:10

losing 77:25

loss 36:23

lot 10:13,18 19:20

20:2,9 30:14 35:15

36:20 45:1,10 48:7

53:20,23 54:16,18

57:9 74:16 80:16

81:7 87:7 88:9

love 38:3

loved 83:21

loves 84:19

low 75:25 80:12

83:5

lower 6:22 57:12

lunch 89:20,22,22

90:6 92:9,10

m

madam 59:20 72:8

78:17

maida 87:6,21

mail 24:5,5 51:25,25

mailed 14:14,15

main 90:2

mainstream 88:10

mainstreaming

66:18

major 11:21,24

25:16 35:22 75:6

82:14

making 11:6 25:23

26:18,19 40:9 48:18

50:5 54:1

manage 5:21

managed 11:9

management 8:4

29:12 30:24 34:9,10

67:24

managing 6:3 8:14

8:25

mandated 39:4

81:15

mandates 57:2

manual 55:6,11

manufacturers

35:20 87:16

mark 39:19

market 59:2 80:11

88:6

marriott 59:25

martha 19:4

martin 2:12 3:6

43:19,20,21 44:14

master 10:12 11:4

matter 5:4 50:4,10

51:8,9 61:23

matters 53:14

mavis 39:19

[knowledge - mavis] Page 10

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
mcgee 44:16 62:18

mcghee 2:10 44:15

47:7 90:14 91:9

mean 7:15,18 17:1

70:9 80:19 82:6

meaningful 61:19

63:1 64:4

meaningless 82:8

means 20:1 24:11

26:22

meant 13:1,11 16:5

21:19 57:23 58:10

measurable 61:10

measurement 65:15

measurements 7:8

mechanism 63:8

mechanisms 16:14

medium 83:5

meet 13:20 17:5

32:15 55:4 78:6

meeting 13:14 53:5

75:1 84:23 93:9

meetings 29:7 37:3

51:5 54:14 58:24

72:11 74:24

megan 66:1,2

meghan 2:21

member 9:13 23:4

43:21 54:11 55:18

members 7:24 19:21

35:17 37:7 50:14,15

55:15 72:8

memorandum 25:2

33:9

men's 64:18

mention 29:12

mentioned 23:5

25:7 45:14 54:4,18

60:15 65:20

merely 77:1

merit 84:15 85:23

86:3

message 60:12

method 63:23

methods 54:20

mexico 42:20

michigan 42:1,9

72:6

microphone 4:8

19:6 41:13,14 43:3

mics 31:12,24 32:2,6

32:16,17 35:22

40:20,21,25 65:6

67:11 73:22 74:12

74:18 76:13 83:10

83:10 85:18,18 89:7

middle 52:19,23

midwest 16:22

41:25 42:9,16

midwestern 54:19

mike 10:6 43:4

mind 7:13 83:14

mindful 47:23 58:20

minimal 65:4

minnesota 42:1,10

minute 44:1 59:12

minutes 43:15

miscommunications

68:7

missed 43:13

missing 69:24 85:13

mississippi 72:2

model 85:8

modeled 82:16

models 32:9

money 7:15,19

58:20 74:17 84:11

monitoring 8:18

monster 38:13

month 5:12 54:8,9

monthly 50:15 51:5

months 16:22 17:17

17:17

morning 4:12,14

19:9,11,11,13,19

20:16 22:23 53:5,12

60:8,20 62:8,16

65:7 90:12 91:5,8

move 12:12 22:5

28:7 42:7,19,22

62:7 83:14 91:15

moved 9:17

moves 60:21 70:24

multiple 53:8 73:5

n

n 2:1 4:1

name 9:13 23:3 24:2

41:10,17,23 43:20

66:8 67:7

namodoka 2:17

49:8 66:6,9

narrow 86:15 87:14

narrowness 52:1

nation 2:16,22 4:9

13:12 23:4 53:3

60:10 61:2,2 62:12

63:7,13 64:18,23

66:1 67:15 82:1,23

83:3

national 1:1 2:3

5:13,14 6:7 7:21

44:19 56:25

ncai 2:5 8:18 37:16

nci 19:16

nearly 20:20

necessarily 17:1,10

23:18 26:9 27:17

31:9 57:25 59:2

70:9 83:2

necessary 65:14

need 6:15 8:7,16

13:17 14:12,25

16:24 17:4 19:14

20:6 21:12,19 25:23

31:16 32:21 33:1,2

33:20 34:4,6,12,24

35:23,25 36:1,1,11

36:15,15 37:1,8,12

39:3 52:14,20 54:13

63:5,7 67:23 68:9

68:10,12 72:25 73:1

73:24 76:10,17,24

76:25 81:4 86:9,10

86:19,22,23 87:13

87:20,24 88:17 90:6

91:4

needed 15:22 25:24

74:18 91:1

needs 13:13 14:23

17:6 31:15 32:15

34:25 57:9,15 63:2

63:15 77:2 78:1

82:24

negotiate 32:25 45:3

negotiating 27:4

67:16

net 7:7 16:17 29:12

51:18 93:14,16

network 60:2

never 6:1 8:23 35:2

35:5 48:13,15 74:18

74:19

nevertheless 64:25

new 2:22 9:14 10:16

11:19 12:10,17 17:5

23:21 35:9 42:20

44:18,20 65:22,22

77:12 89:25 91:11

93:4

newcomer 93:4

niga 37:16 40:13

nigc 2:7,8 6:11 8:2,3

8:5,19 9:6,15 11:19

15:4,22 16:23 20:24

21:17 24:17 30:7

31:18,18 32:1 33:10

33:14 34:14 36:22

42:23 49:4 50:4

52:2 56:23 57:15

60:1,7 61:17 62:9

63:25 64:7,10,14

65:3 67:22 68:3,14

69:19 71:22 72:16

72:17 75:6,15,19

79:5,12 80:6,19

81:16 82:19 83:23

[mcgee - nigc] Page 11

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
nigc's 73:13,15

75:12

nigc.gov. 24:3 39:18

night 59:25 92:3

nimish 10:12

noi 25:25 27:7,20

28:20 29:5 33:15

35:10

noia 16:10

non 7:16

noon 89:21

northern 72:4

northwest 42:13

notes 54:1

notice 10:23 15:25

18:17,21 22:3 25:9

25:22 26:1,3,17

27:3 34:18 36:21

38:10 73:1,15,18

80:7,10,15 91:11

noticed 34:21 41:25

42:8

nottawaseppi 2:17

66:10 67:9

nourishment 59:9

nov 35:1,2,5

november 16:1

27:20,21

now's 21:11

number 9:19 26:4

27:5,25 29:9 30:23

32:10,25 37:17

40:22 42:17 44:25

55:14 56:17

numerous 23:8

nw 1:15

o

o 4:1 53:2 68:18,18

obama 25:1

obama's 70:7

objection 53:25

objective 58:21

objectives 66:19

obsolete 30:23

obtain 30:21

obviously 24:16

85:6

occur 84:22

october 76:7

offer 20:5 58:17

67:3 78:21

office 2:20 9:17 10:2

10:5 26:5 29:16

34:16 36:5,19 48:11

official 43:9 47:25

officially 52:21

officials 37:11 48:1

oftentimes 29:20

71:25

oh 78:25

okay 59:5 67:4 78:6

79:11 89:21

oklahoma 11:18

23:4 42:13 82:1

old 23:23 34:10 35:7

once 9:5 21:15,16

34:18 38:1 46:13

49:23 54:8 77:24

oneida 2:15,21

60:10 62:12 64:18

64:23 65:24 66:1

ongoing 22:18,19

62:1

open 12:20 13:24

15:11 18:1 43:4

44:20 49:7 59:15

90:21,25

opening 4:15 9:2

18:11 53:12

openly 49:10

openness 86:11

operate 28:21 29:19

64:19,20

operated 69:12

82:17

operates 15:5

operating 15:18

32:14

operation 56:13

64:23

operations 6:1 12:8

14:20 15:2,6,15

28:23 32:2 37:18

51:24 57:20 58:16

67:25 86:12

operators 15:14

opinion 47:13,14

opinions 46:11,13

46:22

opportunity 4:14

9:2,3 19:24 32:11

44:23 45:2 56:21

60:2 62:2,7 66:14

73:2,18

opposed 66:20

75:21

optimal 15:18

options 33:1

order 15:3 16:3

21:21 24:19 25:10

25:12 26:22 38:18

39:5

ordinance 23:10

31:25 50:3 79:24

ordinances 23:8

organization 41:10

41:18

originally 70:4

osceola 2:19 68:17

68:17 69:25 71:6

outcome 76:22 77:6

outdated 17:8 85:19

86:5

outlived 69:6

outreach 52:2 60:10

72:1

outside 32:13

outweigh 30:17

overarching 13:11

overreach 17:11

oversight 8:10 80:5

owned 27:12 37:23

56:11

p

p 4:1

p.m. 92:10 93:2,22

pages 1:22 66:20

painfully 35:12

papers 36:24

paperwork 66:16

67:17

part 4:24 11:19

15:10 21:10 23:8

29:11 38:7 68:1

70:7 74:14,15 88:21

participate 33:8

particular 18:13

19:14 36:3,7 42:24

75:10 80:17 81:25

partners 20:24

parts 77:22

pass 83:25 84:3,4

path 21:25 46:9

paths 89:8

patient 52:5

patterson 2:6 3:7

4:3,6 20:18 23:1

59:19,20 60:9 71:4

71:15,20,21 85:14

90:4 91:19 92:6

paula 1:20

pawnee 23:4

pay 19:14 56:6

pen 47:20

pending 32:19

pensoneau 10:17

people 4:25 5:4

11:12 26:11 30:2,15

37:4 52:11,11 73:14

90:15 91:7

percent 57:13

perfect 84:20,22

perfectly 74:2

perform 80:6

period 27:24 39:12

61:18

[nigc's - period] Page 12

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
peripheral 75:4

77:5

person 5:8 48:24

64:13

personal 46:11,13

46:21 47:13,14

72:22

personally 44:23

47:13 84:25

personalties 4:21

perspective 45:4

46:8,12 74:13

phrase 51:1

pilot 33:6

place 5:18 6:1 8:23

44:3 46:25 55:15

60:19 63:1 72:19

92:3

placed 8:16

places 12:1 42:13

58:24 90:2

placing 89:2

plan 69:7,8

planning 24:20

plans 80:13

plants 20:11

platform 60:6,11,16

60:17 61:9 87:12

91:23

playing 65:17

please 41:9,13 52:5

93:9

pleased 65:3

pleasure 4:7 49:9

poarch 2:10,12

43:21 44:17 62:18

pockets 49:3 80:20

podium 60:6

point 14:13 18:4

21:3,4 27:11 28:9

44:18 49:17 51:7

66:3 67:1,22 71:5,7

81:11

pointed 27:25 28:14

34:22

points 21:7 35:10

67:20 90:7

poker 5:21

policies 38:22 70:17

policy 13:7,12 26:18

35:25 39:2 50:12,16

51:7 56:10 58:1,6,8

63:24

political 70:16 74:5

politics 73:10

portion 25:9 33:8

portions 88:6

posed 16:23

position 21:6 44:2

positive 91:15

possibility 45:18

possible 6:14 26:25

33:4,16 38:24 39:4

39:9,24 40:19 88:21

posted 25:10 28:4

39:16 48:15

potential 7:11 84:15

85:1,23

potentially 35:9

potowatomi 2:18

66:10

potowatomis 67:10

pounded 79:19

pounds 66:16

powerpoint 49:12

81:18

practice 58:3 86:18

prayer 4:18

pre 34:25

preference 58:7

prepare 68:13

prepared 90:22

present 20:3

presented 3:1

preserving 78:11

president 2:5,6 4:3

4:6,9,11 9:11 19:16

20:18,22 23:1 25:1

29:11 41:23 42:5

56:19 57:18 59:20

60:5 70:7 71:4,15

71:20 85:14 90:4

91:19 92:6

press 10:18 14:15

31:14 51:25

pressing 43:13 59:6

93:8

presumptuous 52:8

pretty 17:19 75:11

79:8 80:17 81:1

previous 13:5 53:6

53:17 72:11

previously 35:4

53:20 72:15

primary 7:21 26:20

36:12

principals 60:15

principles 6:6 73:13

prior 45:9

priorities 9:24 13:2

14:7 16:7 18:20

38:5 89:3

prioritized 81:22

priority 17:15 26:23

81:21 82:25 83:5,15

86:20,24 87:1 93:12

privately 13:20

probably 51:11

problem 26:13

82:15 90:17

problematic 74:13

problems 11:7 14:3

44:6

procedure 23:10

55:17

procedures 35:1

65:12

proceeding 1:8

proceedings 7:2

31:1,5 34:15,24

process 4:17 8:21

12:13 15:17 20:25

21:11 22:6 23:15

25:25 26:3 31:4,9

33:14 35:11 36:3,17

40:10 45:13 48:21

56:1,3 61:23 62:4,5

64:20 69:18 83:23

84:18 86:1,3 89:9

89:24 92:7 93:13

processes 46:25

procure 37:21 57:2

57:22 58:11

procurement 55:4,5

56:1

productive 9:4

products 37:24

58:12

profile 80:12

program 14:23 33:6

33:8 50:21 82:7,16

progress 65:15 84:9

84:24 87:18

progressed 84:8

promise 73:9

promulgate 31:19

promulgating 75:20

79:10

proper 43:12 50:6

properties 14:6

proponent 47:18

proposal 27:3 38:10

propose 55:19

proposed 6:7 25:22

proprietary 36:4,9

87:15

prospective 77:15

protect 60:22

protecting 17:6

protocol 43:11

prove 82:18

proven 8:13

proverbial 44:3

provide 7:19 8:20

9:2 17:22 34:10

57:11 67:22

provided 66:15

67:20

provider 87:19

[peripheral - provider] Page 13

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
provides 56:20

providing 6:19

14:12,24 33:13

74:17

provision 77:20,22

prying 49:5

public 46:14 47:25

47:25 79:6,14 80:4

80:15

published 27:20

40:14

publishing 75:20

pulled 85:25

punishment 30:11

purchase 56:21 57:6

purchasing 57:8

purohit 10:12

purpose 7:21,23

55:23 70:4

pushed 5:15 74:5

put 14:13,15 17:21

18:23 35:25 36:1

38:8 58:4 60:12

65:9 89:1 90:5

93:15

putting 16:11 33:12

51:2 76:23 88:2

q

qualified 54:25 55:2

55:23 56:5 57:22

quality 77:13

question 7:13 16:23

27:6 34:20 42:5

43:1 58:7 69:17

75:22 76:5 79:3

81:17 91:17

questionable 80:18

questions 7:3 16:2

16:12,16,16 18:20

21:7 22:16 24:4

26:20 43:7 66:5

70:2 71:2

quickly 21:3 24:1

29:4

quite 30:23 34:4,22

48:7 49:17,24 85:25

r

r 4:1

raised 7:3 33:17,18

44:22

ran 65:23

rank 83:6

rapid 42:6,18

reach 24:3 55:3

58:21

reaching 6:13

reactions 49:23

read 21:20 38:8

reading 53:17

real 21:13 40:17

reality 84:3 85:9

87:11 88:2,4

realize 63:6 85:18

really 9:16 11:2 16:6

18:18 21:12 27:9,14

32:11 33:4 38:19

39:8,23 40:16 45:12

48:18 49:5 61:6,20

69:12,19 72:16,24

73:25 75:3,12,23

76:17 78:2 79:17

reason 15:3 58:25

80:9,14 84:16

reasonable 58:19

75:25 78:11 79:7

reasons 9:23

recall 53:17 79:9

receive 36:21 40:2

48:21 52:16 92:6

received 48:14,15

51:25

receiving 66:17

reception 59:24

92:3

recess 59:14 92:11

recognize 5:8 10:1

11:12 22:9

recognized 64:8,12

record 47:24 59:11

63:3 93:6

recorded 18:23

24:10 41:8

records 34:7,11,13

refine 14:22

reflect 84:9

refreshing 72:18,18

refreshments 59:7

reg 83:24

reg's 69:10 81:10

85:17 93:12

reg.review 24:3

39:18

regard 53:12,24

regarding 24:4

44:22 46:12 62:9

regardless 5:23 57:6

regards 63:22 86:16

region 10:9 32:10

42:3 72:4,5

regional 10:8 32:8

42:15

regions 42:11 89:15

register 7:4 40:14

registry 53:19

regulate 5:21 14:20

56:24 76:21

regulated 74:4

81:12,16

regulating 8:15 46:4

82:11

regulation 8:6 17:19

23:22 26:15,21

30:13,13,15,15,18

33:12 34:2,3,6

35:22 36:1 37:16,25

38:9 46:2 47:16

56:16 57:1,25 58:4

58:8 62:4 63:24

76:18 77:14 79:11

80:2,17 81:8,8,14

81:20,23 82:2,3,4,9

82:12,14,16,24

83:13 85:24

regulations 8:13,17

16:2,4,25 17:1,2,3,5

17:12,14 23:23

24:18,24 25:4 26:19

26:23 29:17 30:22

31:7,20,21 35:7,8

35:10 39:2 45:20

46:6,10,13,21,24

48:13 62:10 65:8,12

66:13 67:14,21

72:15,25 73:14,22

74:1,8,10 75:21

76:24 81:4 85:17

90:24

regulator 85:1,2

regulators 6:21

14:17 52:2 78:5

regulatory 6:12

7:22 8:1 9:24 12:6

13:3,19 15:24 23:19

24:4,15,17,20,21

25:15 28:25 40:6

68:1 73:17

related 28:19

relationship 12:2,15

50:18,19 61:8,14,25

64:5

relationships 60:3

61:24 70:12

relatively 75:25

release 14:15

releases 10:18 51:25

relevant 17:7 26:15

29:2 85:15,23

remain 63:14

remaining 64:3

remarks 9:2 19:8

65:21

remember 8:5 21:1

reminder 20:24

21:2

removed 76:17

reno 34:12

[provides - reno] Page 14

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
repeat 41:17

repeated 52:6

repeatedly 15:21

51:19

repeating 72:13

replacing 63:19

reporter's 1:8

reporting 82:10

represent 5:1,7

41:11,18 43:11 48:1

71:18

representation

35:18 44:24

representative 60:9

64:12

representatives

43:10

representing 28:22

90:19

requests 13:14

requirement 80:7

requirements 82:10

requires 24:21

requiring 64:15,21

resolution 64:16,20

resolutions 64:21

resolved 29:23

resource 2:19

respect 19:15 43:5

62:10 64:6,6 74:14

76:14 77:4 79:14,24

respected 63:15

respectful 45:7

respond 38:13 60:16

response 48:3,14

responses 68:13

responsibilities 6:12

64:24

responsibility 37:9

52:3 59:4

responsible 22:12

81:3

responsive 49:1,5

rest 43:16 74:9 78:3

restraint 47:20

result 29:22

results 5:5

resume 89:23

rethought 78:1

retroactive 77:15

reveal 80:21

revenue 7:7 16:18

29:12 93:14

revenues 93:17

review 12:6,8 13:3

15:2,24 24:4,15

25:15 40:4,6 65:4

82:25

reviewed 40:2 82:3

reviewer 84:2

reviewing 65:8

83:23

revised 86:10,19,22

86:22

revisit 89:12

revisited 76:10 81:5

rewrite 23:19

rewriting 23:8

rez 44:6

right 4:20 10:8,17

10:22 17:3 29:17

31:5 32:12 44:7

51:1 58:9,12 76:8

92:9

rights 6:3 8:25 57:4

rigid 85:19

rise 30:9

rita 11:1

road 27:8 41:3

57:16,25 58:2

robert 2:10 44:16

roberts 10:7

rock 9:21,22 44:3

role 69:19 70:5 84:6

roles 64:24

rollers 88:5

room 31:13

round 10:25 42:18

61:21 91:25

rows 71:17

rpr 1:20

rule 79:21

rulemaking 27:4,4

32:25

rules 25:22 53:24

65:13

run 15:7 21:11

23:25 29:4 55:20

58:9

running 53:8

s

s 4:1 33:14 36:25

53:2 60:1 68:18

sacramento 11:17

safety 79:6,15 80:5

salesperson 55:22

san 11:17 36:10

88:20

sat 61:16 73:4

satkin 1:20

save 74:16

saw 26:6

saying 18:25 19:2

53:4

says 24:23 25:17

35:2 38:20 79:25

scanning 24:8

schedule 41:25

72:21 91:7

scheduled 89:22

schedules 91:2

schemes 73:17

scope 69:11 71:9

85:16 86:2,11

seamless 11:6

seat 5:16

seated 68:22

seats 18:15

seattle 11:18 69:22

second 6:18 14:8

secret 69:23

secretary 11:3

section 25:16,17

38:18 79:23 85:24

sections 44:9 75:1

see 10:18 12:11

18:25 19:20 20:9

27:16 38:15 39:10

41:16 56:14 65:3

66:23,25 67:13

74:11 75:15 79:1

80:8 81:22 91:22

93:20

seeing 30:19 31:10

53:19 82:2

seek 66:19

seen 19:17 20:9 26:7

49:14 53:23

select 55:17

selected 35:17

self 30:13,15,18 46:4

81:8,12,14,16,20,23

82:2,9,11,12,14,16

82:17 83:13 85:24

semiannually 24:22

seminole 2:20 68:18

93:8

send 33:20 40:4

51:22

sense 29:2 30:8 77:7

sentiments 22:24

separate 89:8

separated 12:24

serious 7:9,25

seriously 7:6 72:25

serve 45:5

service 57:8,11

69:24

services 7:20 57:22

58:12

session 5:12 16:6

42:2 50:16 93:1

sessions 69:21

set 21:24 22:1 36:8

50:3 54:14 55:19

65:15 67:14,21 85:8

86:2

[repeat - set] Page 15

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
sets 88:2

setting 87:1

settled 49:23 71:21

seven 17:17 63:12

severe 30:11

share 49:11 50:23

sharing 49:11,16

50:19,25

shawn 10:17

she'll 18:17

shirts 9:21 27:9

short 17:19,19,20,24

21:8 26:25

show 27:8

shows 91:20

shyloski 10:6

side 18:14 23:11

28:23,25 34:1

sides 50:20 73:4,5

sign 13:6

similar 56:8 63:13

simmons 67:3,6,7

86:7

simple 84:7

simply 61:22 63:2

sir 86:6

sit 19:24 21:12

50:15 52:11 61:3

site 34:8

sits 19:16

sitting 10:3 18:15

43:14 51:9 71:17

88:3

situations 50:8

six 9:19 17:17 23:6

size 8:12 84:10

skipped 66:8

slot 53:9

small 35:19 44:25

84:7

smoothly 16:15

snail 51:24

socks 48:10,10 49:2

software 75:8 76:25

77:23

sole 36:4

solemnly 63:11

solid 58:5

solution 32:4,13

33:5 88:22

solutions 12:23

17:23 21:9,14 22:15

32:8,13

solve 14:3

somebody 20:11

54:12 69:24 90:11

soon 18:24 24:6,13

39:20,22

sorry 19:3

sort 11:4 12:7 25:12

30:4 33:9 34:2 37:2

37:14 56:11 68:6

sounded 19:3

south 42:6 59:23

60:5 72:4,5 91:23

southern 71:24

southwest 42:21

sovereign 6:3 8:25

57:4 60:22

space 37:22,22

speak 41:9 52:9,12

59:17 61:4 63:6,13

speaks 52:24

specific 13:18 37:19

60:24 62:13,14

65:12 72:4

specifically 28:19

32:1 62:10

spending 85:1

spent 48:12

spirit 28:5 61:8

spoke 62:18

spoken 68:7

spread 42:7,17

stack 36:23

staff 10:1,15,21

11:10,14 15:12

16:13,14 20:9 21:16

29:8 59:22 70:18

72:16

standard 84:23

standards 25:19,24

30:1 31:12 32:20

38:25 39:2,6 45:17

46:19,20 55:4,5

65:5 67:12,14 74:2

74:23 75:2,3,11,21

76:14,16,20 77:2,13

78:4,5,7,8,10,19

83:11 86:9,16,21

87:4 89:7

standing 89:14

standpoint 50:12

54:9

start 21:7,23 25:21

25:22 26:18,19 53:4

77:12

started 4:20 9:16

23:14 38:3

state 8:7 9:14 23:7

41:9 45:16,25 46:15

47:8,9 67:15

statement 4:10 9:9

20:15 22:22 43:19

59:19

statements 3:1

90:16,22

states 31:23 45:22

67:18

statute 81:15

statutory 82:6

stay 17:22 89:6,16

stayed 76:15

steffani 43:23

step 51:4 73:19

79:13

stephanie 2:7

steps 22:4 76:23

stevens 2:3 3:3 4:5

4:12 5:9 6:11 9:6,9

9:10,13 21:18 41:21

42:4 44:13 47:4,17

49:6,9 51:15 54:22

57:17 59:12,15 66:7

67:5,7 68:15 69:16

70:1 71:5,14 76:4,9

78:14,25 81:6 83:1

85:12 86:6,25 88:24

90:9,18 91:16 92:5

93:3

stewart 19:4

stone 28:17

stop 9:19 41:16

stops 11:5

stored 34:11

straight 30:5 73:2

strange 27:25

streamline 17:12

strong 45:22

strongly 81:4 82:24

structure 23:20 38:7

38:15

structured 35:16

studied 25:8

stuff 77:5 80:5,16

stumble 4:21

subject 8:6 84:1

submit 24:22 39:17

45:11 48:19 65:20

83:4 93:10

submitted 28:10

30:5 48:8,12 49:4

subpoena 34:13

subsequent 42:19

subsequently 79:21

substantive 40:17

subway 90:3

success 61:11

sucked 80:4

sudden 46:18

suddenly 80:1

suggest 81:1

suggested 7:12

suggesting 16:11

suggestion 54:2

suggestions 16:9,20

21:5 28:15,17 29:8

32:7 38:1

suitable 17:13

[sets - suitable] Page 16

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
summary 40:7

66:14

summation 90:7

summertime 29:7

supplement 63:19

63:20

support 8:20 47:11

67:23

supportive 60:18

supposed 43:25

sure 15:17 17:2,12

20:6 27:10 28:6

29:1 35:11,23 37:3

50:5 56:23,24 57:15

70:1 72:22 77:3

85:4,10 86:21 89:25

91:17

surprise 35:3,6

surprising 19:1

surprisingly 16:16

surrounding 78:18

survey 14:14,22

synergy 71:12

system 30:4 34:25

75:4,5 76:25 77:25

87:20

systems 75:7,8,9

87:9,10

t

t 9:21 27:9 53:2

table 5:1 17:22

19:25 23:12 34:2

35:24,24 37:4 47:15

52:11 60:20 73:4,5

take 4:16 5:16 13:9

22:1 23:18,19 24:24

25:3 26:23 29:24

34:6 36:11 38:14

45:20 46:7 51:13

59:7 62:12 68:9

70:2 71:1 73:24

74:7 83:16,16 87:8

87:8 89:8 91:13

taken 21:6 22:13

51:4 59:14 79:12

92:11

takes 74:4 92:3

talk 9:24 11:25 13:6

13:7,17,23,24 21:19

21:22,23 22:2 24:1

24:10 26:17 33:21

48:20 50:16,17 57:7

88:11 93:16

talked 35:3 61:17,18

73:23 85:7 93:15

talking 16:25 50:11

51:10 65:8

target 14:22

task 69:4,5,13,14

tasked 24:17

tasks 70:10

team 59:23

technical 6:19 12:4

14:10 18:16 31:12

32:20 45:17 67:12

74:1 76:14,16 78:4

78:4,6,8,10 83:11

86:8,16,21 87:4

89:7

technology 54:7

86:12 87:7,14 89:5

89:11,13

teleconference

54:15

teleconferencing

54:7

tell 13:2 14:6,19

18:19 52:8,10,24

55:9,11

telling 47:5

tells 31:8

tend 30:15

tens 75:17

term 17:18 64:3

terms 12:14 13:2

25:13 35:9 56:7

thank 4:5,11,13,18

4:19 5:10 9:1,5,7,10

9:12,18 11:12,13

19:12,18,23 20:8,11

20:12,18,22 21:15

21:18 22:7,8,20

42:4,25 43:22 44:12

44:13 47:4 51:15

53:4 54:22 57:17

67:6 68:14,15 69:16

71:5,13,14 72:3,7

72:13,20,22 74:6

76:3 78:16 79:2

81:24 85:10 86:5,25

88:23,24 91:10 92:4

92:5,8

thanks 47:3 54:21

78:15

thin 67:17

thing 19:3,4 30:2

44:7,17 51:11 53:16

62:17 66:11 73:25

74:22 76:1 78:9

79:7 81:6 88:12

things 5:4 12:15

28:19 29:2,14 32:3

32:10,22 39:11

40:16,21,23 45:15

46:22 73:10,23

75:10 77:4 78:3

79:12,15 80:25 81:2

84:11,22 91:3

think 8:8 16:21 19:2

30:8,16 32:11 33:7

36:2 38:9,12 39:3

41:15 43:12,13,17

44:4,21 45:5,9,13

45:24 48:9 49:1

51:10 54:1,10,15,19

57:3,20 58:3 60:4

60:15,17 62:6,17,20

62:21 63:7 64:1,25

65:7,9,14,18 66:22

69:9,17 71:6,11

73:12,16,24 74:22

76:10,12,13 78:3,9

78:12 80:18 81:4

82:15,15 84:15,25

85:15,21,22 86:3,19

87:10,19,21 89:2,14

89:23 91:12,12,14

93:3

thinking 33:11

75:12

thought 12:24 29:23

34:19 37:24 76:17

83:22 89:16

thoughts 30:24 33:2

34:5 78:23 81:23

91:25

thousands 75:17,17

three 8:6 12:6 16:2

17:18 26:6,20 74:20

throw 7:1

throwing 21:6

ticketing 30:4

time 13:23,24 17:17

17:18,24 21:12 22:8

22:13 26:24 31:8

40:15 42:21,22

43:14 49:17 51:6,6

59:1 67:1 68:13,22

77:11 84:6,14 85:6

89:12

timeframe 21:9

timeline 60:3

times 26:3 36:20

91:1

tina 2:19 68:16,17

71:5

today 4:17 6:9 7:4

11:15,18,24 12:7,16

13:1 15:25 16:5

18:10 20:18 21:19

22:8,13 23:24 27:18

60:13,14

today's 17:7,13

told 25:3 31:18

tomorrow 24:9

tone 72:18

tongue 47:5,8,19,21

[summary - tongue] Page 17

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
top 26:6 55:12 86:20

89:6,16

topic 6:8 78:19,22

touch 21:21

tour 9:20,23

tracey 83:19 87:3

tracie 2:3 3:3 9:9,13

23:5,9 44:15

trade 32:7

training 10:14 12:5

14:10,12,23,24

trampled 84:5

transactions 84:10

84:21

transcribed 24:10

41:9

transcript 1:8 40:5

41:12

transcripts 18:23

28:3 39:16 47:23

transparency 28:5

50:25

transparent 15:8,11

28:15 39:24 40:11

travel 27:14 54:17

62:25

treasury 69:1,23

70:13

tribal 1:2 4:23 5:5

5:11,24 6:16,21

7:11,24 8:6 13:7,13

13:18 14:17 15:14

15:20,22 19:11,25

20:25 22:9 23:8,12

23:13 25:9 27:2,15

28:24 29:6 32:17,23

35:10,13 36:15 37:7

37:7,10 38:10,22

43:5,6,9,21 44:5,22

45:6 46:8 48:5

49:13 52:13 53:6

54:9,11 55:14,15,18

57:2,5 59:16 61:2

62:19 63:5,17 64:8

64:9,16 67:8 68:8

72:9 73:7 78:5

79:13,16 90:10 91:1

tribally 27:11

tribe 2:14,20 5:23

6:24 13:20 19:16,21

19:21 20:19 21:10

23:7,15 33:10 36:20

41:11,17 44:1 46:2

46:3,4,19 52:3,18

52:21 54:5,24 56:10

59:18,23 68:18 69:2

71:18 80:9,14 81:15

82:11,13,22 83:7

85:5 87:18 93:11

tribe's 58:9

tribes 4:25 5:1,16,20

5:20 6:13,14 7:18

8:5,7,13 9:14 11:21

12:17,21,21 13:9,12

13:14,17,25 14:17

16:12,17 19:1,2

21:13,19 25:20 29:8

29:19,24 30:7,21

31:22,23 33:7,8,17

33:22 34:8,14 35:15

36:2,6 38:4,24 39:6

42:15,17,23 45:1,11

45:21 48:7,22,22

51:17 53:21,24 54:4

54:19 56:21 57:10

58:17 60:6 64:1,5

64:15 66:23 67:23

69:10 71:24,25 72:4

72:5 74:16 76:2

81:3,11,13,19 82:19

86:13 90:19 91:15

91:24

tried 35:4

triggers 49:22

true 61:6,13 74:22

truly 26:16 78:4

85:22

trust 61:24

try 37:22 42:22 43:1

52:18 56:9

trying 17:11 23:17

23:18 25:5 30:8

38:12 42:6 44:6

46:18 50:22 54:17

66:21 70:11 83:22

86:18

tuesday 92:4

tulalip 9:13

tunica 2:14 54:24

turn 4:7 18:11 19:5

20:13 22:21 41:19

41:19 43:3 90:24

two 6:12 11:23 12:4

20:10 39:14,14

58:13 72:10 73:4

74:4 78:2 81:13

85:6 87:4,5

type 5:2,2 8:12 30:4

45:19 57:2

types 7:12 12:12

typically 49:17,25

u

unclear 18:22

understand 6:21

69:11

understanding 6:20

7:10 50:1,21 54:9

understood 54:14

83:21

undertaken 65:4

unduly 64:17

unfolds 50:23

uniformity 65:16

unique 50:7

united 59:23 60:5

91:23

universe 28:16

unknowns 49:15

unnecessarily 64:17

unreasonable 80:8

updated 32:21

upper 41:25 42:9

upset 75:11

upside 47:22

use 6:6 27:2 28:7

32:23 41:13 54:7,20

55:6 89:10

usefulness 69:6

uset 2:6 20:19 71:25

usually 7:13 42:14

49:19

usurp 79:13

utilized 63:18

v

various 32:7

vegas 5:19 34:12

vendor 56:8,22 57:6

57:11

vendors 55:16 56:9

56:16

verb 51:8

versus 29:16 37:6

57:9 67:25 69:14

81:18

vice 2:7 4:12 14:9

19:6,10 43:24 78:17

79:5

viejas 83:20

view 51:7 63:14

82:3

violates 36:8

violation 34:18

violations 67:24

virtual 88:1

virtually 82:4

voice 63:13

voices 35:23

voluntary 73:12

w

wadinsky 93:6

wait 90:24

waiving 41:16

walk 25:8

want 4:18 5:8,10

6:25 8:22 9:1,5,18

10:1 11:13 13:22

16:3,8 17:2,2,9,15

[top - want] Page 18

Veritext/NJ Reporting Company

800-227-8440 973-410-4040
19:5,8 20:17,18

21:3 22:24 26:17,25

28:6,20 29:1 39:8

39:23 41:5 48:24,25

49:1,10 52:25 53:4

55:16 56:10 57:19

66:11 72:19 74:6,8

77:2,3 80:12,15,19

80:23 83:6 85:8

87:12 89:1 93:14

wanted 11:9 27:10

27:12,13 29:24

50:22 59:6 78:21

wants 49:20

warm 20:19 59:21

washington 1:16

9:14 10:2 23:7

watch 47:5,8

watching 47:19

water 59:8

watering 20:11

wave 24:2

way 4:20,20,22

12:17 20:7 26:9

30:8,20 33:3 36:13

37:12 38:2,12 39:10

40:10,25 41:6 46:17

49:5 56:15 65:2

75:13 82:7,17 83:15

84:21 86:1,12 88:23

91:15,21

ways 27:5 67:16

we've 9:20 11:16

13:13 14:13,14

16:12,13,16 18:8,10

27:1,4 29:14 30:2

30:14 32:4,5,10,14

32:21 34:4,8,15,20

34:21 35:14 39:20

43:13 51:4 56:8

58:1,2 69:20 81:7

89:4,14

web 18:24 24:7,9

28:4

website 14:14,16

24:13 25:10 32:18

38:7 39:16,20 48:15

48:20

week 25:2 27:22

28:1 48:6,20 93:21

weeks 11:17 20:10

39:14,14

welcome 19:22

20:17,19 21:16 23:2

welfare 23:11

went 16:1 28:11

42:20 48:9 75:3

whatsoever 76:22

when's 44:11

willing 41:5

willingness 74:7

wilson 10:20

wisconsin 42:1,9

53:3 72:7

wish 43:7 59:17

68:14

withdraw 34:18

wondered 53:22

wonderful 76:1,1

wondering 53:18

81:9

word 7:1

words 4:21 7:15

19:25 20:3 84:2,13

work 9:3,6,16 11:12

14:5 15:17 16:15

21:12 26:13 35:4

40:16,17 41:5,6

53:22 54:10 55:18

63:20 65:11 69:10

70:18 82:22

worked 10:4 23:5,9

42:8 70:4 79:18

working 8:19 9:8

11:2 20:19 21:10

22:20 23:14 29:9

32:8,18 35:21 36:20

44:4,7 47:1 60:23

65:10 68:23 69:1,8

69:11,14,18,21 70:3

70:6,8 71:9 79:20

82:19 93:20

works 23:21 49:15

worse 82:10

wow 23:15

wrap 23:16 90:7

wrapping 90:17

write 47:19

writing 93:10

written 23:12 28:3

28:17 39:15 54:6

62:13 91:6

wrong 24:14

x

x 2:1

y

y'all 44:5

yeah 78:25

year 9:4,16 17:18

29:16,16,19,21 41:3

59:1 76:7 77:23

years 18:15,15

20:20 23:6 29:10

32:20 53:8 61:16

70:5 74:6 77:14,24

79:19 84:4 85:2,22

87:5 88:1

york 2:22

[want - york] Page 19

Veritext/NJ Reporting Company

800-227-8440 973-410-4040