Ruth N. Nelson - Page 10




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          which could be conducted largely by telephone conversations, the            
          viewing of videotapes, and so forth.                                        
               Petitioner accepted a job with Intellicall in 1995 because             
          that company provided petitioner with a flexible work schedule              
          that was conducive to her health condition.  For example,                   
          petitioner worked 4 hours at the office and 4 hours at home each            
          day.  At Intellicall, petitioner was involved in promoting a                
          prepaid phone card program in the nonprofit sports marketing                
          area.  Petitioner's background in fund raising and sports                   
          marketing was an asset, and, additionally, Intellicall did not              
          restrict petitioner's ability to conduct outside business                   
          activities.  However, petitioner worked for only 1 year and was             
          forced to return to total disability status in 1996.  Petitioner            
          underwent her third back surgery in 1997.                                   
               Petitioner realized that, in order to generate a profit, it            
          would be necessary to make a dramatic change to the business                
          activities conducted through BRVC that would be suitable with her           
          seemingly chronic health problems.  Consequently, petitioner                
          began a prepaid phone card marketing and promotion business                 
          through BRVC.  Through this activity, as best as the Court                  
          understands it, petitioner located corporate sponsors in the                
          sports field to pay BRVC for the privilege of having their                  
          company's products or services advertised on the face of prepaid            
          phone cards, which, in turn, petitioner sold to the general                 





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