DEAR ABBY: My neighbor runs a licensed day-care center in her home. She does a good job and has lots of children in her care. Some of the children are the same ages as my kids, and they often spend an afternoon or a whole day playing at my house. Should I be concerned about being responsible for her "clients" when she is paid to take care of them? Is there a liability issue that I need to confront? It's an awkward situation for me, and I'd like to hear your thoughts. -- LIABLE IN SYRACUSE
DEAR LIABLE: To heck with my "thoughts." Contact your insurance agent TODAY. If a child is injured on your property, there is definitely a liability issue!