Thank you, all.
I've bookmarked the links you gave me, helix.
TE...always reassuring to have you in a thread.
Most of all, I'd like to thank "unregistered." You made some extremely valid and important points of which I had not thought. I feel as if I just ducked an extremely large bullet because of your post. I was so focused on helping novice webmasters cover their own asses that I totally forgot the first rule...cover your *own* ass.
I had so hoped to be able to make what is a huge and difficult problem as simple as possible for novices...but the fact is...it can't be done. Oh, sure, I can write a snappy post that itemizes a bunch of "do's" and "don'ts" for them to follow, but you are so very correct, unregistered. I'd be giving legal advice.
I can't make this easy for them. I can give them the links and the urging to read, research and consult their own attorneys.
Thank you all.