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ÝÔ€ôÍc ôôôÔÔ€¬Ö  ôôÍcÔÓ  Óò òÔ Ad ÔFILEDÔ€X\^ X ¬ÖÔÐ  ÐÌNovember€10,€1998ÌÌCecil€W.€CrowsonÌAppellate€Court€ClerkÔdAhÔó ó,kû¤AZ‹"Arial Regular)…j% ÿU‹ÿÀÀÀ«ô\  `*Times New RomanTTôôCô\  PŽ6QôP"ÝÆÿA€ArialTTomanTTXXaÝÆÿptQXpô\  `*Times New RomanTT¼¼^ô\  PŽ6Q¼P úÝ ƒ"¯"ÝÝ  ÝÔ€ôÍc ôôôÔÔ€¬Ö  ôôÍcÔÓ  Óò òÔ Ad ÔFILEDÔ€X\^ X ¬ÖÔÐ  ÐÌNovember€10,€1998ÌÌCecil€W.€CrowsonÌAppellate€Court€ClerkÔdAhÔó ó,kû¤AZ‹"Arial Regular"Z$&Cþÿ<< Cÿÿ(3¯$¢¢Ý ƒ !ÝÝ  Ý($$””ò òÚ  Ú1Ú  Úó ó(('÷ÿ dxd düÿP Pd'''''ÿÿdxd(f3(‘$££Ý ƒ ]‚!ÝÔ€X¿ÍXôôÔÔ€Xx{XXX¿ÍÔÓ  ÓÝ  Ý'ÈÈÈÈdxdZ`\›&OLE 2.0 Box <=8ÿÿÿÿÿÿÿÿÿÿCÿÿ HKKKK( ±þ$’’ò òFigure€Ú  Ú1Ú  Úó óÝ ƒ ]‚!ÝÔ€X¿ÍXôôÔÔ€Xx{XXX¿ÍÔÓ  ÓÝ  ÝÑTR[  AØ'3Ø' AØ'ÿ Legalÿ3Ø'TÑÒ°ÒÒ8°ÒÖ€ÿÿÖÑ  ÑÔ&  ÔÓ  ÓÓ<(ÿÿ ` ¸ hÀpÈ xÐ (#°œX<ÓÔ€¼¦Ç¼XXx{ÔÔ€¼—æ¼¼¼¦ÇÔÔ  ÔÔ_Ôñ8ññ.ñßr€ )<,(j 8` `€€@EF±` 8ttxP~°ð  rßñ.ññ8ññ8ññ8ñIN€THE€SUPREME€COURT€OF€TENNESSEEÌñ8ññ8ñÌñ8ñßt€ )>.*jxÿÃ` `€€@EWŸ` 8ttxPÜð à tßñ8ñSPECIAL€WORKERS'€COMPENSATION€APPEALS€PANELÌÌAT€NASHVILLEÌ(June€29,€1998€Session)ÌÌÌÌÓ  ÓÓ?+ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿ` ‹X?ÓÌDOROTHY€MARABLE,à À àà  à)à p àHOUSTON€CHANCERYÐ ŒÜ  Ðà ` àà ¸ àà  àà h àà À àà  à)Ìà ` àà ¸ àPlaintiff„Appellee,à  à)à p àHon.€Robert€E.€Burch,Ð ¸  Ðà ` àà ¸ àà  àà h àà À àà  à)à p àChancellor.Ð Î  Ðv.à ` àà ¸ àà  àà h àà À àà  à)Ð ä4 Ðà ` àà ¸ àà  àà h àà À àà  à)à p àNo.€01S01„9709„CH„00209Ð úJ ÐKEY€INDUSTRIES,€INC.€andà À àà  à)Ð ` ÐTRAVELERS€INSURANCE€à À àà  à)Ð &v ÐCOMPANY,à  àà h àà À àà  à)Ð <Œ Ðà ` àà ¸ àà  àà h àà À àà  à)Ìà ` àà ¸ àDefendants„Appellants.à  à)Ð h¸ ÐÌÌÌÌòòFor€Appellantsóó:à  àà h àà À àà  àà p àòòFor€Appelleeóó:òòÐ Ö& ÐóóÌSean€Antone€Huntà  àà h àà À àà  àà p àStacy€A.€TurnerÐ "R ÐSpicer,€Flynn€&€Rudstromà À àà  àà p àClarksville,€TennesseeÐ #h ÐNashville,€TennesseeòòÐ .$~ ÐóóÌÌÌÌÓ  ÓÓ<(ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿŒX<ÓòòM€E€M€O€R€A€N€D€U€M€€€€O€P€I€N€I€O€NóóÐ œ)ì$" ÐÌÌÌÌòòMembers€of€Panelóó:Ð  /Z*' ÐÌFrank€F.€Drowota,€III,€Associate€Justice,€Supreme€CourtÌWilliam€H.€Inman,€Senior€JudgeÌJoe€C.€Loser,€Jr.,€Special€JudgeÌÌÌÓ  ÓÓ?+ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿ` ‹X?ÓÌÌÌÌÐü:L62D ÐMODIFIED€AND€AFFIRMEDà À àà  àà p àà È àà  àà x àLoser,€JudgeÓ {ÀÓÐ ° ÐÓ  ÓÓ<(ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿŒX<ÓòòMEMORANDUM€OPINIONóóÔ'ý°÷ÔÐ —ç ÐÓ  ÓÓ?+ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿ` ‹X?Óà ` àThis€workers'€compensation€appeal€has€been€referred€to€the€SpecialÏWorkers'€Compensation€Appeals€Panel€of€the€Supreme€Court€in€accordance€withÏTenn.€Code€Ann.€section€50„6„225(e)(3)€for€hearing€and€reporting€of€findingsÏof€fact€and€conclusions€of€law.€€The€employer,€Key,€and€its€insurer,€Travelers,Ïinsist€the€chancellor€erred€in€(1)€awarding€benefits€as€a€percentage€to€the€bodyÏas€a€whole,€(2)€making€an€award€in€excess€of€six€times€the€highest€medicalÏimpairment€rating€and€(3)€awarding€benefits€based€on€one€hundred€percent€toÏthe€body€as€a€whole.€€As€discussed€below,€the€panel€has€concluded€the€awardÏshould€be€modified€down€to€one€based€on€forty„eight€percent€to€the€body€as€aÏwhole.Ó {ÀÓÌÌà ` àOur€review€is€de€novo€upon€the€record€of€the€trial€court,€accompanied€byÏa€presumption€of€correctness€of€the€findings€of€fact,€unless€the€preponderanceÏof€the€evidence€is€otherwise.€€Tenn.€Code€Ann.€section€50„6„225(e)(2).€ÏConclusions€of€law€are€subject€to€de€novo€review€on€appeal€without€anyÏpresumption€of€correctness.€€òòSpencer€v.€Towson€Moving€and€Storage,€Inc.óó,€922€Ð È ÐS.W.2d€€508€€(Tenn.€1996).ÌÌà ` àThe€employee€or€claimant,€Marable,€was€62€years€old€at€the€time€of€theÏtrial.€€She€has€less€than€a€high€school€education.€€She€worked€in€Key's€shirtÏfactory€for€23€years,€sewing€stays€in€collars€of€dress€shirts.€€She€has€sufferedÏthree€separate€work€related€injuries,€all€three€of€which€are€the€subject€of€thisÏlitigation.Ìà ` àÌà ` àà ¸ àà  àà h àà À àà  à(1)Ìà ` àThe€employer€and€its€insurer€contend€first€that€because€the€claimant€hasÏthree€separate€injuries€to€three€separate€scheduled€members,€or€to€two€separateÏscheduled€members€if€the€arms€are€considered€together,€the€claimant's€injuryÏshould€somehow€be€considered€a€scheduled€injury€and€recovery€limited€to€aÏpercentage€of€weeks€provided€in€the€statutory€schedule.€€From€a€considerationÏof€the€authorities€cited€and€others,€we€respectfully€disagree.Ìà ` àÌà ` àWhere€a€worker's€only€injury€is€to€a€scheduled€member,€he€may€receiveÏonly€the€amount€of€compensation€provided€by€the€schedule€for€his€permanentÏdisability.€€òòGenesco,€Inc.€v.€Creameróó,€584€€S.W.2d€€191€(Tenn.€1979).€€ThisÐ j-º(& Ðclaimant€has€three€separate€injuries€to€three€separate€members,€all€of€themÏscheduled€separately.€€If€an€employee€suffers€permanent€partial€disability€to€twoÏmembers€listed€together€as€a€scheduled€injury,€it€is€proper€to€compute€the€periodÏof€disability€according€to€the€schedule.€€òòQueen€v.€New€York€Underwriters€Ins.Ð Â1-* ÐCo.óó,€€222€€Tenn.€€235,€435€€S.W.2d€€122€(1968).€€While€both€arms€are€listedÐ Ø2(.+ Ðtogether€as€a€scheduled€injury,€we€find€no€listing€in€the€schedule€for€both€armsÏand€a€foot.€€See€Tenn€Code€Ann.€section€50„6„207(3)(A)(II).ÌÌà ` àIn€all€other€cases€of€permanent€partial€disability,€benefits€are€payableÏaccording€to€the€percentage€of€disability€to€the€body€as€a€whole,€which€is€valuedÐ F8–30 Ðat€four€hundred€weeks;€€Tenn.€Code€Ann.€section€50„6„207(3)(F);€òòKerr€v.€MagicÐ ° ÐChefóó,€793€€S.W.2d€€927€(Tenn.€1990);€and€an€injury€to€three€or€more€membersÐ Æ Ðof€the€body,€whether€or€not€any€of€the€members€is€included€in€the€schedule,€isÏnot€a€scheduled€injury€and,€in€such€case,€benefits€are€allowable€to€the€body€asÏa€whole.€€òòTennlite,€Inc.€v.€Lassiteróó,€561€€S.W.2d€€157€(Tenn.€1978).€€Where€anÐ  X Ðinjury€is€to€more€than€one€member,€one€of€which€is€scheduled€and€the€other€ofÏwhich€is€not€scheduled,€benefits€are€also€allowable€on€the€basis€of€theÏpercentage€of€disability€to€the€body€as€a€whole.€€òòContinental€Ins.€Co.€v.€Pruittóó,Ð J š Ð541€€S.W.2d€€594,€596€(Tenn.€1976).€€The€extent€of€an€injured€worker'sÏdisability€is€an€issue€of€fact.€€òòJaske€v.€Murray€Ohio€Mfg.€Co.óó,€750€€S.W.2d€€150Ð vÆ  Ð(Tenn.€1988).ÌÌà ` àFrom€a€consideration€of€those€authorities,€the€panel€concludes€theÏchancellor€did€not€err€in€awarding€benefits€based€on€a€percentage€of€the€body€asÏa€whole.ÌÌà ` àà ¸ àà  àà h àà À àà  à(2)Ìà ` àBy€the€remaining€issues,€the€employer€and€its€insurer€contend€the€awardÏof€benefits€based€on€one€hundred€percent€permanent€partial€disability€to€theÏbody€as€a€whole€is€excessive€under€the€circumstances.€€While€the€issues€involveÏquestions€of€fact,€it€is€necessary€to€consider€legislative€considerations€and€theirÏeffect€upon€the€facts€of€this€case.ÌÌà ` àFor€injuries€arising€after€August€1,€1992,€in€cases€where€an€injured€workerÏis€entitled€to€permanent€partial€disability€benefits€to€the€body€as€a€whole€and€theÏpre„injury€employer€returns€the€employee€to€employment€at€a€wage€equal€to€orÏgreater€than€the€wage€the€employee€was€receiving€at€the€time€of€the€injury,€theÏmaximum€permanent€partial€disability€award€that€the€employee€may€receive€isÏtwo€and€one„half€times€the€medical€impairment€rating€pursuant€to€the€provisionsÏof€the€òòAmerican€Medical€Association€Guides€to€the€Evaluation€of€PermanentÐ .$~ ÐImpairmentóó,€the€òòManual€for€Orthopedic€Surgeons€in€Evaluating€PermanentÐ D%”  ÐPhysical€Impairmentóó,€or,€in€cases€where€an€impairment€rating€by€any€appropriateÐ Z&ª! Ðmethod€is€used€and€accepted€by€the€medical€community.€€Tenn.€Code€Ann.Ïsection€50„6„241(a)(1).€€In€making€determinations,€the€courts€are€to€consider€allÏpertinent€factors,€including€lay€and€expert€testimony,€the€employee's€age,Ïeducation,€skills€and€training,€local€job€opportunities€for€the€disabled,€andÏcapacity€to€work€at€types€of€employment€available€in€the€claimant's€disabledÏcondition.€€òòIdóó.Ð Þ,.(% ÐÓ {ÀÓÌà ` àIf€the€injured€worker€thereafter€loses€his€or€her€pre„injury€employment,Ïthe€court€may,€upon€proper€application€made€within€one€year€of€the€employee'sÏloss€of€employment,€and€if€such€loss€of€employment€is€within€four€hundredÏweeks€of€the€day€the€employee€returned€to€work,€enlarge€the€award€to€aÏmaximum€of€six€times€such€impairment€rating,€allowing€the€employer€credit€forÏpermanent€partial€disability€benefits€already€paid€for€the€injury.€€Tenn.€CodeÏAnn.€section€50„6„241(a)(2).Ìà ` àÐ F8–30 Ðà ` àIf€the€offer€from€the€employer€is€not€reasonable€in€light€of€theÏcircumstances€of€the€employee's€physical€disability€to€perform€the€offeredÏemployment,€then€the€offer€of€employment€is€not€meaningful€and€the€injuredÏemployee€may€receive€disability€benefits€up€to€six€times€the€medicalÏimpairment.€€òòNewton€v.€Scott€Health€Care€Centeróó;€€914€€S.W.2d€€884(Tenn.Ð  X Ð1995).€€On€the€other€hand,€an€employee€will€be€limited€to€disability€benefits€ofÏnot€more€than€two€and€one„half€times€the€medical€impairment€if€his€refusal€toÏreturn€to€offered€work€is€unreasonable.€€òòIdóó.€€The€resolution€of€what€is€reasonableÐ J š Ðmust€rest€on€the€facts€of€each€case€and€be€determined€thereby.€€òòIdóó.Ð ` ° Ðà ` àÌà ` àFor€injuries€occurring€on€or€after€August€1,€1992,€where€an€injuredÏworker€is€entitled€to€receive€permanent€partial€disability€benefits€to€the€body€asÏa€whole,€and€the€pre„injury€employer€does€not€return€the€employee€toÏemployment€at€a€wage€equal€to€or€greater€than€the€wage€the€employee€wasÏreceiving€at€the€time€of€the€injury,€the€maximum€permanent€partial€disabilityÏaward€the€employee€may€receive€is€six€times€the€medical€impairment€ratingÏdetermined€pursuant€to€the€above€guidelines.€€Tenn.€Code€Ann.€section€50„6„¼241(b).Ìà ` àÌà ` àWhere€the€injury€is€superimposed€upon€a€pre„existing€condition€or€injury,Ïthe€multipliers€are€applied€to€medical€impairment€resulting€from€the€most€recentÏinjury.€€Tenn.€Code€Ann.€section€50„6€207(3)(F);€òòParks€v.€Tennessee€MunicipalÐ Â ÐLeague€Risk€Management€Poolóó,€_____€€S.W.2d€€_____€(Tenn.€1998).€€If€a€courtÐ Ø( Ðawards€a€multiplier€of€five€or€greater,€then€the€court€must€make€specific€findingsÏof€fact€detailing€the€reasons€for€its€award,€considering€all€relevant€factors,Ïincluding€lay€and€expert€testimony,€the€employee's€age,€education,€skills€andÏtraining,€local€job€opportunities€and€capacity€to€work€at€types€of€employmentÏavailable€in€claimant's€disabled€condition.€€Tenn.€Code€Ann.€section€50„6„¼241(c).Ìà ` àÌà ` àNotwithstanding€the€above€limitations,€a€court€may€award€permanentÏpartial€disability€benefits,€not€to€exceed€four€hundred€weeks,€in€appropriateÏcases€where€permanent€medical€impairment€is€found€and€the€employee€isÏentitled€to€receive€the€maximum€award€of€two€and€one„half€or€six€times€theÏmedical€impairment.€€In€such€cases,€Tenn.€Code€Ann.€section€50„6„242€requiresÏthe€trial€court€to€make€a€specific€documented€finding,€supported€by€clear€andÏconvincing€evidence,€that€on€the€date€the€employee€reached€maximum€medicalÏimprovement,€at€least€three€of€the€following€four€circumstances€existed:Ìà0 ` àà ¸ à(1)€€The€employee€lacked€a€high€school€diploma€or€general€à (# àÐ «3û.- Ðequivalency€diploma€or€could€not€read€or€write€on€a€grade€eight€à (# àÐ Á40. Ðlevel;Ð `  #`  # Ðà0 ` àà ¸ à(2)€€€€The€employee€was€age€fifty„five€or€older;о731`  #`  # Ðà ` àà ¸ à(3)€€The€employee€had€no€reasonably€transferable€job€skills€from€¼à ` àà ¸ àprior€vocational€background€and€training;€andÌà ` àà ¸ à(4)€€The€employee€had€no€reasonable€employment€opportunities€Ìà ` àThe€opinion€of€a€vocational€expert€is€generally€necessary€to€establish€thatÏthe€employee€had€"no€reasonably€transferable€job€skills€from€prior€vocationalÏbackground€and€training"€or€"the€employee€had€no€reasonable€employmentÏopportunities€available€locally€considering€the€employee's€permanent€Ô_ÔmedicalÏcondition,"€or€both.€€òòÔ_ÔIngramÔ_Ô€v.€State€Industries,€Inc.óó,€€943€€S.W.2d€€381€(Tenn.Ð ì <  Ð1995).€€"Clear€and€convincing€evidence"€means€evidence€in€which€there€is€noÏserious€or€substantial€doubt€about€the€correctness€of€the€conclusions€drawn€fromÏthe€evidence.€€òòÔ_ÔMiddletonÔ_Ô€v.€Allegheny€Elec.€Co.,€Inc.óó,€897€€S.W.2d€€695€(Tenn.Ð .~  Ð1995).Ìà ` àMs.€Ô_ÔMarableÔ_Ô€was€born€November€25,€1934.€€As€already€noted,€she€hasÏless€than€a€high€school€education.€€She€worked€for€Key€Industries,€Inc.€forÏtwenty„three€years.Ìà ` àIn€June€of€1992,€she€injured€her€left€foot€when€a€metal€chair€fell€acrossÏher€foot.€€The€accident€fractured€her€little€toe€and€left€her€with€tendinitis€in€herÏfoot.€€She€was€treated€by€three€different€physicians.€€The€doctors€taped€her€toesÏtogether€and€prescribed€rest€and€leg€elevation.€€She€continued€to€work€and€wasÏnot€left€with€any€permanent€impairment.Ìà ` àOn€June€10,€1994,€she€fell€at€work€and€injured€her€left€hand,€which€injuryÏresulted€in€a€trigger€thumb,€or€Ô_ÔQuervainÔ_Ô's€syndrome,€for€which€she€wasÏsurgically€treated.€€Thereafter,€she€gradually€developed€bilateral€carpal€tunnelÏsyndrome€with€lateral€Ô_ÔepicondylitisÔ_Ô€on€the€right€and€ulnar€neuropathy€on€the€left,Ïand€was€treated€conservatively€by€Dr.€McLaughlin,€who€made€an€impairmentÏrating€of€ten€percent€to€the€left€upper€extremity€and€five€percent€to€the€rightÏupper€extremity€and,€on€December€27,€1994,€declared€her€to€have€reachedÏmaximum€medical€improvement€and€released€her€to€return€to€work,€but€to€avoidÏrepetitive€gripping€with€the€hands€or€repetitive€motion€of€the€left€elbow.Ìà ` àShe€returned€to€work€for€a€few€days€but€was€unable€to€perform€the€dutiesÏassigned€to€her€because€of€disabling€pain.€€She€has€not€worked€since.Ìà ` àDr.€Richard€Ô_ÔFishbeinÔ_Ô€examined€the€claimant.€€He€estimated€her€permanentÏimpairment€to€be€eight€percent€to€the€whole€person.€€The€doctor€restricted€herÏfrom€any€type€of€hand€intensive€work€with€the€left€hand,€from€pushing,€pullingÏor€manipulating€heavy€objects€with€either€hand€and€from€running,€jumping,Ïclimbing€or€prolonged€walking€or€standing.Ìà ` àWe€find€in€the€record€no€expert€testimony€as€to€whether€the€claimant€hasÏreasonably€transferable€job€skills€from€prior€vocational€background€and€trainingÏor€whether€she€has€any€reasonable€employment€opportunities.€€TheÏcircumstances€of€this€case€are€such€that€it€should€not€be€exempt€from€the€generalÏrequirement€for€expert€testimony,€particularly€in€light€of€her€relatively€mildÏmedical€impairment.Ð ¾731 Ðà ` àThe€claimant€testified€she€cannot€keep€her€grandchildren€as€she€did€beforeÏthe€injuries.€€Her€husband€testified€that€she€cannot€dress€herself,€cook,€clean,Ïsweep,€sew€or€make€crafts€as€she€did€before€the€injuries.€€A€neighbor€of€theÏclaimant€corroborated€the€husband's€testimony.Ìà ` àThe€chancellor€found,€apparently€from€a€mere€preponderance€of€theÏevidence,€that€the€employee€was€over€fifty„five€years€of€age,€possessed€noÏtransferable€job€skills€and€lacked€a€high€school€education€or€a€Ô_ÔG.E.D.Ô_Ô,€and€didÏnot€read€on€an€eighth€grade€level.€€Thus,€the€trial€court's€award€exceeds€theÏstatutory€multipliers,€though€not€based€on€clear€and€convincing€evidence,€asÏrequired.€€In€the€absence€of€such€finding€and€in€the€absence€of€expert€testimonyÏas€to€the€lack€of€reasonably€transferable€job€skills,€the€panel€concludes€the€trialÏcourt€erred€in€exceeding€the€multipliers.Ìà ` àNevertheless,€we€are€persuaded€that€the€employee,€because€of€her€age,Ïlack€of€education€and€training€and€further€because€of€her€pre„existing€conditions,Ïis€severely€disabled€and€entitled€to€an€award€based€on€six€times€the€medicalÏimpairment€resulting€from€the€most€recent€injury,€as€the€statutes€permit.€€TheÏjudgment€is€accordingly€modified€to€provide€for€an€award€based€on€forty„eightÏpercent€to€the€body€as€a€whole.Ìà ` àAs€modified,€the€judgment€of€the€trial€court€is€affirmed.€€Costs€on€appealÏare€taxed€to€the€defendants„appellants.Ìà ` àÓ {ÀÓÌÓ  ÓÓ<(ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿŒX<ÓÌ____________________________ÌÓ  ÓÓ?+ÿÿ ` ¸ hÀpÈ xÐ (#ÿÿ` ‹X?Óà ` àà ¸ àà  àà h àà À àà  àà p àJoe€C.€Loser,€Jr.,€Special€JudgeÌCONCUR:ÌÌÌ_____________________________________Ìà ` àFrank€F.€Ô_ÔDrowotaÔ_Ô,€III,€Associate€JusticeÌÌÌ_____________________________________Ìà ` àWilliam€H.€Ô_ÔInmanÔ_Ô,€Senior€JudgeÌÓ  ÓÓ-ÿÿçÈ xÐ (#ÿÿŒX-ÓÐ  Ê+'% ÐÒ£8ÒòòÑTR[  AØ'ÿ Legal[  AØ' AØ'ÿ Legal AØ'ÿ LegalTÑÔ‡¼þ¼¼¼—æÔÔ‡XÔ|X¼¼þÔà@ÜÜàIN€THE€SUPREME€COURT€OF€TENNESSEEˆÐ ° Ðñ9ñßr€ )<,(j 8` `€€@EÙ` 8ttxPœð  rßñ9ñÌà@‹‹)àAT€NASHVILLEˆÌÓ0”çÈ„XÿÿÿÿçÈ„X0Óà@/àˆÌÌÌñ*ñÓ3‚çÈ„Xÿÿ”çÈ„X3Óñ*ñDOROTHY€Ô_ÔMARABLEÔ_Ôñ+ñ,ñ+ñà ‚ à}à0 ç àHOUSTON€CHANCERYÐ8 ˆç5%ç5% Ðà ‚ à}à ç àNo.€€Below€4„299Ð $ t ÐPlaintiff/Appelleeà0 ‚ à}Ð `‚5%‚5% Ðà ‚ à}à ç àHon.€€Robert€E.€BurchÐ ü L  Ðvs.à ‚ à}à ç àChancellorÐ è 8  Ðà ‚ à}Ìà ‚ à}à ç àNo.€01S01„9709„CH„00209Ð À  ÐKEY€INDUSTRIES,€INC.€ANDà ‚ à}Ð ¬ü  ÐTRAVELERS€INSURANCEñ,ñ,ñ,ñà ‚ à}€€€€€€€€€€€€€à ç àà È àà  àà x à€€€€€€€€€€Ð ˜è  Ðà ‚ à}à ç àMODIFIED€AND€AFFIRMEDÐ „Ô  ÐDefendant/Appellantsà ‚ à}à ç àAFFIRMEDà x àÐ pÀ ÐÌà@¯¯(àJUDGMENT€ORDERˆÌÌÌÓ€Óñ&ñÓ* ¸ ÿÿ‚çÈ„X*Óñ&ññ'ñà ¸ àñ'ñThis€case€is€before€the€Court€upon€the€entire€record,€including€the€order€ofÏreferral€to€the€Special€Workers'€Compensation€Appeals€Panel,€and€the€Panel's€MemorandumÏOpinion€setting€forth€its€findings€of€fact€and€conclusions€of€law,€which€are€incorporated€hereinÏby€reference.Ìà ¸ à¼à ¸ àWhereupon,€it€appears€to€the€Court€that€the€Memorandum€Opinion€of€the€PanelÏshould€be€accepted€and€approved;€andÌà ¸ à¼à ¸ àIt€is,€therefore,€ordered€that€the€Panel's€findings€of€fact€and€conclusions€of€lawÏare€adopted€and€affirmed,€and€the€decision€of€the€Panel€is€made€the€judgment€of€the€Court.ÌÓ šX°Óà ` àñ(ñÌà ` àñ(ñà ¸ àCosts€will€be€paid€by,€Defendants/Appellants€and€Surety,€for€which€executionÏmay€issue€if€necessary.ÌÓ€Óà ` àñ)ñÌà ` àñ)ñà ¸ àIT€IS€SO€ORDERED€on€November€10,€1998.Ô"*USú ú, úSUú ú, ú*ÔÌÌà ` àà ¸ àà  àà h àà À àà  àà p àPER€Ô_ÔCURIAMÔ_ÔÌóóÌÌÌÌÌÌÌÌÔ#†¼þ¼XXÔ|‡H#ÔÔ#†¼—æ¼¼¼þhH#Ô