You bet your life.

THE STAKES ARE HIGH FOR ATHLETES AND OTHER STUDENTS WHO GAMBLE.

They would always place their bets on Friday because Saturday they were just too busy. They had to get taped and go to meetings and eat a pregame meal, and, besides, when you were supposed to have your mind on the opponent, it just didn't seem right to go looking for a pay phone to lay down $50 on, say, Florida State minus 14 1/2. So on Fridays during the fall of 1993 these half-dozen or so football players at a Southeastern Conference school would leave their wagers with a friend or a roommate, who would call them in to a bookie on Saturday morning.

"I'd just say to my roommate, 'If the line stays the same tomorrow, give me a quarter ($25) on that game; if the line moves, don't bet on it,' " one of the players told SI on the condition that neither he nor his school be identified. "Whenever I saw a college game I liked, I'd say, 'Get me down on that.' I never paid attention to the scores while I was actually playing, but afterward I'd watch for the games I had bet on. You bet to have fun. It makes the game a little more interesting when you're watching it.".

This player, one of three starters in the group, wagered on college and NFL games that autumn, usually betting $25 or $50 a game. "Some guys on the team bet more than me, some guys bet less," he said, adding that he monitored the point spread on his own team's games, though he never bet on them. "I remember our last game of the year. We were favored by a little, and I said, 'God, we're going to win by more than that.' And we did.".

His big score came on New Year's Day, 1994, when he won $800 betting on bowl games, putting to use an autumn's worth of inside knowledge. "One game was easy money," he said of a game involving an SEC team, "just real easy money.".

As reported in the first two parts of this series, gambling is rampant on college campuses across the country. Students, often bright but naive, bet -- and lose -- substantial sums of money on sporting events. Other collegians become bookmakers who prey on the innocence of their peers while fancying themselves savvy entrepreneurs. In fact, some of the fervor attached to college sports is an outgrowth of desperate wagering. Yet all of this illegal activity is conducted with much the same acceptance accorded to jaywalking: It's not right, but nobody gets hurt.

That attitude is erroneous, for there is hurt at every level of the gambling process. Athletes who bet or give advice to others who are wagering on games are flying in the face of NCAA regulations, jeopardizing their eligibility and their schools' reputations, and perhaps compromising the integrity of the games. Many students are betting far beyond their means, plunging deep into debt and developing a habit that could haunt them long past college. In the extreme, some undergraduates are even committing criminal acts to get the cash they need to pay bookmakers.

Article 10.3 of the NCAA Manual is titled "Gambling Activities." By the usual standards of such a cumbersome bureaucracy, the rule is mercifully brief:.

Staff members of the athletics department of a member institution and student-athletes shall not knowingly:.

(a) Provide information to individu- als involved in organized gambling activi ties concerning intercollegiate athletics competition;.

(b) Solicit a bet on any intercollegiate team;.

(c) Accept a bet on any team representing the institution, or.

(d) Participate in any gambling activity that involves intercollegiate athletics through a bookmaker, a parlay card or any other method employed by organized gambling.

The penalty for a student-athlete who breaks this rule is loss of NCAA eligibility pending an appeal to the NCAA eligibility committee. According to Dirk Taitt, the NCAA enforcement representative who handles gambling-related infractions, the committee has heard an average of six appeals each of the last three years. Taitt says that this is the only statistical measure of athletes' involvement in gambling that the NCAA will make public, but adds, "Those numbers don't account for the cases where the institutions didn't seek to have an athlete's eligibility restored." Indeed, after two months of research into campus gambling, SI found it is nearly impossible to visit a college and not find sophisticated on- or off-campus bookmaking operations with a large student clientele that often, according to bookies, includes athletes.

Clearly the aforementioned SEC players who bet on college games in 1993 were in violation of the rule. And consider the case of a standout football player in the Southwest Conference, a junior who says he would never bet on a football game, not only because it's against the rules, but also, more practically, because "anybody can beat anybody else. Pretty stupid to bet money on something like that." Yet in the course of a season, campus betting buffets him like the wind across the Texas plains. His student friends are constantly asking him for advice.

"Most people that I talk to, they bet every week on all the big games," says the player. "They ask me about different teams, which ones should they bet on. I'll tell 'em. If we've played two teams (who are playing each other), I know where it's at. Like say Rice is playing Houston, I'll say, 'Take Rice.' But then I'll ask about the spread. I've helped out a couple of friends." . . . and student-athletes shall not knowingly: (a) Provide information to individuals involved in organized gambling activities concerning intercollegiate athletics competition. . . .

Northwestern athletes Dennis Lundy, the school's alltime leading rusher, and Dion Lee, a starting guard on the Wildcat basketball team, became more closely associated with the gambling activities of some fellow students. With its solid academic credentials and recent history of athletic mediocrity, Northwestern would seem an unlikely setting for a scandal. But last Dec. 10, after a university investigation, both Lundy and Lee were suspended for betting on football games.

The athletes' gambling surfaced in the days following Northwestern's 49-13 loss to Iowa on Nov. 12 in Iowa City. In that loss Lundy fumbled on the Hawkeyes' one-yard line with 5:57 to play in the third quarter, costing the Wildcats a touchdown. After the game Lundy's teammate Rodney Ray -- who knew that Lundy had been betting on college games -- suggested aloud that Lundy had fumbled intentionally to affect the outcome of the game. (The score was 35-13 at the time of the fumble, and Iowa was a six-point favorite.) Northwestern coach Gary Barnett heard the accusation and later confronted Lundy, who admitted to gambling on college games.

Lundy was suspended for Northwestern's season finale at Penn State on Nov. 19, but the school didn't make public the reason for the disciplinary action until the Dec. 10 press conference, at which Lee's suspension for six basketball games was also announced. Both athletes, the school said, had "violated team policy." The university also said that neither Lundy nor Lee took "action to affect the outcome or point spread of any Northwestern contest.".

Lundy also strongly denied to SI that he had fumbled intentionally against Iowa or had ever influenced or bet on a Wildcat game. Both Lundy and Lee remain angry that Northwestern's investigation found just two guilty athletes. "They made it look like it was two kids with a problem," says Lee, who was reinstated after those six games and resumed his starting role five games later. "It's bigger than us. I'd say there's an athlete in every sport who's involved. It's a schoolwide problem. The school was so quick to act on Dennis and me, but they know others are involved.".

Says Lundy, "Northwestern doesn't want this to get any bigger than it already is. They conducted their little investigation and supposedly came up with what they think is the truth.".

Arnold Weber, who was Northwestern's president from February 1985 through December 1994, says, "I am confident we had a thorough investigation, took the appropriate actions with the people on whom we had evidence and acted with complete integrity.".

What the Lundy-Lee affair did was raise the specter of point-shaving and alert the public to the possibility of a gambling scandal in college sports. There hasn't been one since 1985, when Tulane shut down its basketball program for four years, but major point-shaving scandals have been regular occurrences in college basketball.

1947-50: Thirty-two players at seven schools were implicated in a plot to fix 86 games. Included in the scandal were players from City College of New York, which won both the NCAA championship and the then equally prestigious NIT title in 1950, and Kentucky, which under coach Adolph Rupp was the national champion in 1951. Among those convicted were Long Island University All-America Sherman White, who spent eight months in prison for conspiracy to commit bribery, and Kentucky All-Americas Ralph Beard and Alex Groza, who admitted taking bribes, received suspended sentences and were banned by the NBA.

1959-61: A total of 37 players from 22 schools, including legendary New York playground hero Connie Hawkins, then at Iowa, were implicated in point- shaving scandals. Former Columbia star Jack Molinas served five years in prison for his role as "master fixer" in the affair. o 1978-79: Notorious organized crime figure Henry Hill and New York gambler Richard (the Fixer) Perry masterminded a scheme to fix nine Boston College games in concert with BC players Ernie Cobb, Rick Kuhn and Jim Sweeney. In 1982 Kuhn, the only player convicted, served 2 1/2 years in prison for conspiracy to commit sports bribery and interstate gambling.

1984-85: Four Tulane starters, including John (Hot Rod) Williams, now of the Cleveland Cavaliers, and a reserve were accused of shaving points in two games. Two of the five players, Clyde Eads and Jon Johnson, were granted immunity and testified that the others had also shaved points in exchange for cash and cocaine. Williams was acquitted and nobody served jail time, but university president Eamon Kelly shut down the basketball program until the 1989-90 season.

These days a scandal may be closer than anyone cares to admit. College athletes are forever in need of money, which gamblers can provide in exchange for their efforts to influence a game. And with the proliferation of student gamblers and bookmakers on campuses, gambling is taking place literally next door to the players. Once a player like Lundy or Lee begins wagering, he is at risk to incur debt. Once he owes large amounts of money, he becomes vulnerable to offers of cash in exchange for information or shaving points.

Are players aware of this? Listen to Lee. "Anyone who knows me would never question whether I'd throw a game. But . . . it's easy to miss a free throw or have a ball stolen," he says. "Look at a college kid. If someone says, 'I'll give you $2,000 if you keep a score down. . . .' College is the poorest four years of your life." Yes, players are aware.

Kentucky athletic director C.M. Newton, a former coach at Alabama and at Vanderbilt, was a player at Kentucky when the scandal broke there in 1951, though he was not one of those involved in fixing games. "I'm not an alarmist, but history would suggest that it's going to happen again," says Newton. "More so because we've become so desensitized to gambling. If it can happen in an era when there wasn't a mind-set of acceptance (Kentucky in the late 1940s and early '50s), it certainly can happen more readily now. I just have a bad gut feeling that something is going to happen again.".

Indeed, while there hasn't been a point-shaving scandal in 10 years, incidents of college athletes involved in sports betting have arisen periodically since then. The most significant cases: In 1989 four football players from the University of Florida, including star-quarterback-to-be Shane Matthews, then a redshirt freshman, were suspended for betting on football games. Two weeks later nine University of Arkansas athletes in four sports were suspended for betting on college football games (none of the athletes were football players). In '92 five members of the men's basketball team at Bryant College in Smithfield, R.I., fell $54,000 in debt betting with a student bookie. Christopher Simmons, a co-captain on the Bryant basketball team, and Scott Kent, a former University of Rhode Island football player, were each sentenced to five years' probation and 100 hours of community service. Also that year 19 University of Maine athletes (13 baseball players and six football players) were suspended during the school's investigation into a campus sports-betting operation.

In a case discovered by SI but never investigated by local police or campus authorities, nearly every team member in a nonrevenue sport at an Atlantic Coast Conference school was involved in illegal sports betting in the winter of 1993-94, according to the team's coach, placing the program in jeopardy. The situation came to light when the coach became concerned by one athlete's drop-off in play. "He was performing terribly," says the coach, who didn't want SI to divulge his school or sport for fear that the university might shut down his program. "I finally asked him what was wrong, and he told me he owed $3,000 in gambling debts to another student." The athlete's father paid off the debts, but through the incident the coach learned that almost all of his players were betting and that one member of the team was placing all the bets with a bookie.

"The kids tell me it goes on everywhere," says the coach. "I know that this one young man was very frightened and very distraught.".

Players aren't the only university athletics representatives who have to be alert to the snare of sports gamblers. Coaches, assistant coaches and athletic administrators are wary of suspicious -- or anonymous -- requests for information about their football and basketball teams. Just like student gamblers, off-campus bettors and bookies are looking for a wagering edge. Said UC Santa Barbara basketball coach Jerry Pimm during the past regular season: "The other day we got four calls about (injured UCSB starter) Wayne Butts from people identifying themselves as being from papers I'd never heard of. They are obviously professional (gamblers), and if you don't think so, you have your head in the sand.".

According to Tom Decker, a retired FBI agent who investigated sports gambling, "If I'm a gambler and I can find out that (North Carolina basketball center) Rasheed Wallace sprained his ankle in practice, and I can get that information before it gets out on the wire or on the local news -- even by a few minutes -- well, guys give their right arm for information like that.".

Kentucky football coach Bill Curry says, "The whole thing is a sickness in our culture, and it's the whole idea of something for nothing. The scope of gambling and the damage that it does to people is incalculable.".

The date was Monday, Nov. 1, 1993. Alex Andrews (not his real name) can recite it like his birthday. Talk about your incalculable damage. He was 22 years old, living in Los Angeles, 17 months out of college, feeding a gambling habit that had grown to possess him when he was a student. He was $12,000 in debt on his credit card and had lost his job with a large advertising agency. "I got up, I didn't brush my teeth, I didn't shave, I didn't use any deodorant," says Andrews. "I didn't give a damn. I was like an animal.".

At 10 that morning, after telling his girlfriend that he was going out to look for work, Andrews drove instead to one of L.A.'s legal card clubs. He needed $500 to pay his rent, so he immediately took out another $500 on his credit card with the goal of doubling it. He sat down at a $10 Texas Hold 'em table. "The big boys," says Andrews. "Much higher than I was used to.".

The overwhelming desire to gamble that led Andrews to this smoky club began when he was in high school in the affluent Washington, D.C., suburb of Bethesda, Md., and reached full bloom during his four years at a college in the South, which he did not want to name. It was all sports betting, at first $25 a game, then $50, then $100 or more. Silly games. Any games. Andrews says he lost $1,700 as a junior and can't even remember how much as a senior. Then he got a job in Los Angeles, bringing home $1,000 a week. "I was a bright guy with a good job," he says. "I was 22 years old. And I chose to gamble the -- -- out of myself.".

That November day at the card club, swimming in debt and devoid of pride, he was beating the big boys and at one point was up $2,000 -- enough to pay his rent, lop $1,000 off his plastic debt and still have $500 cash in his pocket if he walked out at that point. No chance. "It's never enough," he says. "You never stop. I ended up losing all of that and took out another $500 on my credit card and lost that, too." He walked out of the club at two in the morning, after having played cards for 15 hours. "I literally said, 'That's it. I'm done,' " says Andrews. "I went home and called Gamblers Anonymous that night.".

Henry Lesieur, chair of the criminal justice department at Illinois State University and the acknowledged dean of gambling researchers in the U.S., says that roughly 5.5% of American college students are pathological gamblers. And according to the Las Vegas Veterans Affair Medical Center's Dr. Rena Nora, a psychiatrist who has been treating compulsive gamblers for more than 20 years, "Vulnerability to gambling depends on two basic things: accessibility to cash and how clever a person is." By those measures college kids are more vulnerable than most groups. What's more, campus gambling takes place in a social environment with all the peer pressure and attendant bravado and momentum of a toga party. Once it begins, there is pressure to keep betting.

In some cases the desperation that gamblers feel, even in college, can lead to something worse than debt and compulsion. In the spring of 1992 Keith Tubin, a student at the University of Nevada-Las Vegas, stole a total of $89,000 from eight Las Vegas banks to pay gambling debts. Tubin is now serving a 10-year prison sentence in Colorado. On Aug. 17, 1993, Josh Levine, a University of Texas senior honor student, stole $12,097 from the First State Bank in Austin, for the purpose of paying gambling debts. Eleven months later Levine was sentenced to 106 months in prison, but he is free while awaiting appeal.

And for student bookmakers there is always the possibility -- however remote -- that they will be caught and punished. Student bookmakers were arrested in both the Bryant and Maine scandals and at Michigan State in 1992. A former Tucson sportscaster, Mark Rubin, and three Arizona State undergraduates were arrested in February 1994 after Tempe police first infiltrated and then busted a bookmaking operation that was handling more than $120,000 a month in action. Rubin pleaded guilty to a felony charge of promotion of gambling and was fined $5,000 and placed on probation. Students Mitch Friedman, Karry Moore and Keith Rudolph also pleaded guilty to promotion of gambling, but none of the three served any jail time and none were expelled from school.

Despite all this, the voices urging that steps be taken to stem the tide of campus gambling are mere whispers in the wilderness. For most university officials campus gambling is a low-priority problem, in part because of their ignorance of its pervasiveness. The NCAA's influence is limited to student-athletes, and even among athletes, betting illegally on noncollegiate sporting events isn't punishable by the NCAA. Most coaches, meanwhile, are blinded by dated stereotypes of the gambler or bookie, unaware of the widespread presence of student gambling on their campuses.

Northwestern's Weber, who was president of the University of Colorado from 1980 to '85, is one administrator who dismisses the possibility that gambling is a broad problem on his campus or that it should be addressed as such. "Unless we find evidence to the contrary, this is not a sign of moral decay here. I've been attending presidents' meetings for 15 years for the Big Eight and the Big Ten, and the issue of gambling has never been discussed.".

Arnie Wexler, a leading consultant on compulsive gambling, wrote a blistering editorial in the Jan. 11 issue of the NCAA's staid house organ, The NCAA News, highlighting the troubles associated with campus gambling. The piece was punctuated with a phone number where Wexler could be reached. How many colleges have since called him to lecture? None. "It blows my mind," says Wexler. "I just can't imagine why these people don't want help.".

The NCAA, while not blind to the problem, is hamstrung by its limited authority. Specifically, it can't touch the general student population, only student-athletes. "The only hammer we have is (athletic) eligibility," says the NCAA's Taitt. "The general student population is important, but eligibility doesn't pertain to them.".

While the NCAA is largely powerless to confront campus gambling, law enforcement is usually loath to chase student bookmakers. The requirements for conviction are stringent (typically a bust requires the actual passage of money between a client and a bookmaker), and when the bookie is a first-time student offender, the penalties are generally small. (Bryant student Matthew Zimmerman was booking $100,000 a week in action and served no jail time.) The exception is when a bookie -- student or nonstudent -- threatens a client, who then turns to the police, which is what leads to the rare bust. Sergeant Tom McDonald of the Texas Department of Public Safety in Lubbock, home of Texas Tech University, expresses his philosophy: "People in West Texas like to gamble. They're gambling every time they throw a seed in the ground. So we figure bookmakers are providing a service to folks. We don't pay much attention to them as long as they operate like a legitimate business and don't go around threatening kids.".

Although generally as naive as college administrators, coaches are clearly more informed about the potential problems that gambling can cause. "I don't even call point spreads point spreads, I call them power ratings," says North Carolina State basketball coach Les Robinson, who was on the freshman basketball team at N.C. State when four Wolfpack varsity players were implicated in the widespread 1959-61 scandal. Robinson can describe in detail the afternoon he found out about the scandal and how, at the age of 18, he was interrogated by the FBI. "They started asking me if I was in a certain bar with these certain people, and I just shouted, 'I didn't drink any beer!' " Robinson says. But 34 springs later there is little humor in his recollection. "I tell the story to every one of my teams," he says.

Kentucky's Curry, an NFL veteran who played two seasons in Green Bay for Vince Lombardi, is adamant in his opposition to gambling. "I've seen it too much," he says. "I've seen what it does. I became aware of (gambling) because I have friends in the FBI. Lombardi was paranoid about this, so I've sort of adopted the same thing. What we try to encourage is, 'Don't bet on anything, ever.' I've seen $2 poker games in the NFL become $10,000 poker games. Guys get competitive.".

But Robinson, Curry and Kentucky's Newton are all exceptional in their zeal. Auburn football coach Terry Bowden, whose team plays in the Southeastern Conference, where student betting and bookmaking are rampant, says of his campus, "I would be shocked if it's a major problem among the students. I don't see how students bet, because they don't have the kind of capital to put $100 down on this or that game every week." There is a vast gap between his perception and reality -- a gap that may be due, in part, to the fact that there are no physical signs of compulsive gambling, no hangovers or bloodshot eyes.

During an early February meeting of Gamblers Anonymous in Southern California, a 48-year-old man sat before 13 other group members. "This gambling, it's the full load," he said, his voice quivering. "If you drink or you do drugs, you piss on your leg and throw up on your shoes. But with this, you think there's a pot of gold at the end of the rainbow. And nobody knows about it.".

Even those who do know about it sometimes consider other problems more pressing. When Thomas Hill, dean of students at the University of Florida, was told by SI that research had pointed to the presence of at least five major student bookmakers at Florida, each booking roughly $20,000 in bets every weekend during the fall with client lists of more than 100 students, Hill said, "I'm not shocked. I'm disappointed. I view gambling on this campus much like underage drinking, which is a huge problem. They're both illegal. But until it reaches the point where it disrupts the normal course of business, there's not much we can do. I'm sure what you're saying is true; it's probably double those numbers. But I haven't had anybody tell me they're leaving school because of it. I haven't been able to attribute any broken legs to some guy not paying his gambling debts.".

In the summer of 1994 the NCAA men's basketball committee threatened to deny NCAA tournament press credentials to any newspaper that continued to publish betting lines. The threat withered, however, in the face of First Amendment rights and the possibility of empty rows of press tables at the Final Four. It also smacked of naive self-righteousness, as if the toothpaste could somehow be stuffed back into the tube.

Standing in contrast to such high-minded efforts at intervention are coaches who inadvertently confirm the depth of the problem rather than attempt to solve it.

The following took place on the first weekend of the NCAA tournament last month, the start of the 19-day event that celebrates college sports in all their resplendence: Eight teams were gathered in Baltimore for one of the eight subregionals, and Alabama coach David Hobbs was seated at a microphone, just off the court at the Baltimore Arena.. Hobbs was assessing his team's upcoming first-round game against Ivy League champion Pennsylvania. "We're expecting a real tough game, and obviously the oddsmakers agree," Hobbs said, noting that Alabama, the fifth seed in the East Regional, was favored by only 3 1/2 points over No. 12 seed Penn. "This is not a 12 versus 5 line. This is more like an 8 versus 9 line.".

Two days later Oklahoma State coach Eddie Sutton reflected on his team's 73-49 thrashing of Drexel in the opening round. "We won by 24, and the point spread was 16," Sutton said. "I never bet, but I always look at the lines because it's amazing how close those guys pick the games. That's something I watch for.".

The business of sports and the business of betting. Hand in hand on campus, taking a casual stroll. Business as usual.

Special reporting for this series by Marty Burns, Teddy Greenstein, Mark McClusky, Chad Millman, Lester Munson and John Walters.

Added Material.

The parents answered their door one night last December and found themselves playing a scene from a gangster movie. There were two men standing on the doorstep of their home in an upper-middle-class suburb. The men told the parents that their son, a sophomore in high school, owed $800 in gambling debts. The men, both in their 20's, demanded payment in cash. The parents paid them a week later.

While college is a breeding ground for many young gamblers, who develop the habit when they are suddenly freed from parental constraints, high school is where it often begins. The incident mentioned above occurred in Nutley, N.J., leading to an investi gation by local authorities and, on March 1, the arrest of three Nutley High students who were alleged ly helping run a $6,500- a-week sports betting operation.

According to Fred Franco, assistant prosecutor director for Essex County, at least 25 Nutley students were placing bets ranging from $25 to $1,000 per wager. "Many of the kids were members of the football team," says Franco. "We had students betting ($1,000) on a New York Giants game.".

The arrested students, 19-year-old Herbert Hoffman (above) and two 17- year-old juveniles, were recruited by adults to solicit bets from fellow students. "They kept accurate records of bets and bettors," Franco says of the student runners. "That's because they were responsible for settling up with people we know were located in New York City." Those people, prosecutors suspect, may be part of a larger network of criminal activity.

The operation was similar to those in which nonstudent bookmakers in college towns or nearby cities recruit students to service college dorms and fraternity houses. However, unlike the college-variety runners, this trio of teenagers also muscled the kids who didn't pay up. On Feb. 12 a 14-year-old Nutley freshman who owed $565 was abducted from a recreational basketball game by the two juvenile perpetrators, driven to a housing project in Newark and left on the street. "He started running and ran right into a police car," says Franco. "Otherwise, he was in a lot of trouble where he was.".

In addition to the charge of conspiracy to violate state gambling laws, t.

Nutley was the fourth high school in four years at which Essex County prosecutors found organized gambling operations run by students. And 12 days after the Nutley bust, officials in the tony New York suburbs of Westchester County arrested four men for running a sports-betting and loan-sharking operation, whose clients included at least 50 students at Byram Hills High in Armonk. The connection between the book and the high school was, again, that one or more students placed bets for the other students.

Preventing illegal gambling at high schools is as difficult as it is at colleges. "Teenage gambling is incredibly extensive," says Franco. "But the problem in investigating any case is that parents tend to have one of three reactions: 1) They're afraid to say anything because they think organized crime is involved; 2) they think they can handle it themselves at home; 3) and this is the most common response -- they say, 'Thank god it's not drugs.' They just don't think it's a serious problem, but it is.".

-- Tim Layden.

TWO B/W PHOTOS: AP (2) Today's pervasive campus gambling raises the specter of the scandals that brought down the likes of (from left) BC's Kuhn, Columbia's Molinas and NYU's Harvey Schaff. (Rick Kuhn; Jack Molinas).

B/W PHOTO: UPI/BETTMANN (See caption above) (Harvey Schaff).

B/W PHOTO: BEN WEDDLE ASSOCIATES (See caption above) (Section from NCAA Manual prohibiting gambling).

B/W PHOTO: JONATHAN DANIEL/ALLSPORT The Wildcats' Lundy (left) bet on games but denied shaving points; Wiliams was acquitted in Tulane's bribery case (Dennis Lundy).

B/W PHOTO: JERRY LODRIGUSS (See caption above) (John (Hot Rod) Williams).

B/W PHOTO: RONALD C. MODRA Wexler warns that addiction is one of the serious risks of gambling (Arnie Wexler).

B/W PHOTO: NEW JERSEY NEWSPHOTOS (Herbert Hoffman).

B/W PHOTO: V.J. LOVERO (Student bookmaker's list of bets).

B/W PHOTO: MANNY MILLAN (David Hobbs).