Innovation in telemarketing frauds and scams : joint hearing before the Subcommittee on Regulation, Business Opportunities, and Energy of the Committee on Small Business, and the Subcommittee on Health and Long-Term Care of the Select Committee on Aging, House of Representatives, One Hundred Second Congress, first session, Washington, DC, June 21, 1991. (U.S. G.P.O. :, 1991)