                                 DEFINITIONS

     MEDICALS INCURRED-How much in medical bills have you incurred, e.g.
     what are the doctor bills, plus the hospital bills, plus medicines,
     plus other medically related expenses (not counting travel to and/
     or from the doctor's office or meals).

     MEDICALS ANTICIPATED-Do you really anticipate additional medical
     bills?  If so, can you fairly assess what they will be in dollars
     & sense?

     LOST WAGES-Be prepared to document this figure with payroll stubs
     or other similar item.  GROSS or NET, that is your choice.

     OTHER EXPENSES-transportation (not including ambulance bills) and
     special expenditures to get your medical treatment,etc. Insurance
     deductibles should be listed in the MEDICALS INCURRED but not add
     -ed on top of that item.

     TOTAL DISABILITY-How many weeks did you experience where someone
     else had to do everything for you?  e.g. make your bed, fix your
     meals, get you to the bathroom?  Confinement on an inpatient basis
     to a hospital would be considered TOTAL DISABILITY.

     PARTIAL DISABILITY-How many weeks did you experience where you had
     to have others help you do things; but were still able to do most
     of what you normally do?

     DISCOMFORT-This is arbitrary and subject to dispute. Be fairminded
     and decide just how many weeks you experienced discomfort from the
     injury sustained.

     AVERAGE SETTLEMENT-A "fair" settlement for conclusion.

     PARAMETERS-A settlement within these two points is not unreasonable.
     An offer substantially less could be unreasonable.   A demand which
     is substantially over could be unreasonable.

     An offer substantially less coul