Wow, Dianne...thank you. I'm slowly (SLOWLY) beginning to understand. I read a site that Bad Boy over at http://www.workerscompensation.com/c...d_Worker_Forum supplied me with that details something similar to what you're telling me:

http://library.findlaw.com/1999/Sep/...5.html#Scene_1

I need to study all this some more. God, what a headache!