sorry for thread-jacking, but to respond to 25s responses, i began each of those thoughts with "I believe" and "Personally" to differentiate between what i have learned through my own experiences and what DB teaches.
so i respectfully disagree with your respectful disagreements.
when it comes to the legal aspect, then i absolutely defer to your professional opinions.
"In a ham and eggs breakfast, the hen is involved, but the pig is committed".
