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Bob Hamman founded SCA Promotions, Dallas, in 1986; it's now one of the world's leading prize fulfillment and conditional prize promotion companies. His 70-person company provides insurance for 4,500 promotions a year, including contracting to pay the winners of $1 million hole-in-one golf or free-throw basketball contests. Coincidentally, Mr. Hamman is a nine-time world bridge champion and currently ranks No. 1 in the world.

Age: 60.

Track record: Coverage of $10 billion in potential prizes; payouts of $60 million.

Fact: Most companies offering prizes in promotions can easily afford to pay out big prizes, but individual departments are limited by their budgets and prefer to outsource payments.

Edge: An ability to quickly make real-time judgments and take accurate positions on odds.

Hot: Usage-oriented promotions like prepaid phone cards and movie tickets. Marketers give them away, and we contract to pay for the ones actually used.

Watch for: An explosion of Internet-based promotions allowing individuals to get

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