Bob:
      You make a good point, but I think liability laws, which vary state to 
state are pretty complex.  Hopefully, as you suggested  some actual legal 
opinion will be offered.  I had a business law professor in college say that 
the law looks for someone to pay regardless of whether a person is actually 
responsible.  It may not win in court, but I'll bet the legal argument for 
someone being hit by a meteorite in a doctor's office would be something like, 
there is an implied guarantee of safety when entering the building.  

George
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