I've been reading the USC response.  Just thought I would glance through it, but it turned out to be an interesting read.  If you look at nothing else in this entire story, look at pages 37-44 of the response.  This is about the 2:30 phone call between Lake and McNair.  Not only did the NCAA accept at face value accusations from Lake that were obviously fabricated, but they actually added their own information to the report that wasn't even in the testimony from Lake. 

In their questioning, the NCAA accidentally said that McNair called Lake.  In response, Lake made up a whole story about how McNair called him asking that he not implicate USC.  In reality, Lake called McNair asking that he convince Reggie to sign him as his agent.  Lake obviously made up the entire content of the phone call based on the accidental bad information from the committee.  Not only did the committee accept that obviously false story, but they even added their own detail to it.