As her horse galloped toward the fence, Janet Scobell readied herself for a maneuver she had performed countless times before during her competitive career.
She realized - too late - that this jump was to be anything but routine. The horse balked, throwing Janet, and, in its subsequent panic, trampled her back.
The accident left her on permanent disability, bringing to a premature close her 32-year primary career as a successful commercial artist. Scobell's sudden, steep decline in income forced her to sell her Delaware County home.