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Eleven years ago this month, Gary started our business — with my blessings, of course. One week after he gave notice to his employer, he fell out of our apple tree when the ladder he was standing on twisted out from under him. He spent the next ten weeks on crutches. His wasn't the only accident in our first five years of business. Our field employees suffered a range of mishaps — wood chips lodged in their eyes, cut fingers, carpal tunnel syndrome, back injuries — all of which led to workers comp claims. You would think that the cost of these mishaps, both in terms of human suffering and medical treatment, would have caused us