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Cook v. Whitsell-Sherman

Court: Indiana Supreme Court
Date filed: 2003-09-24
Citations: 796 N.E.2d 271
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66 Citing Cases

Attorneys for Appellant                            Attorney for Appellee
Kevin C. Tyra                                      Richard Walker
Doris L. Sweetin                                   Anderson, Indiana
Indianapolis, Indiana
________________________________________________________________________

                                   In the
                            Indiana Supreme Court
                      _________________________________

                            No. 48S04-0211-CV-607

Tamara Cook,
                                               Appellant (Defendant below),

                                     v.

Kenneth Whitsell-Sherman,
                                               Appellees (Plaintiff below).
                      _________________________________

        Appeal from the Madison Circuit Court, No. 48C01-0007-CT-516
                  The Honorable Fredrick R. Spencer, Judge
                      _________________________________

 On Petition To Transfer from the Indiana Court of Appeals, No. 48A04-0111-
                                   CV-493
                      _________________________________

                             September 24, 2003

Boehm, Justice.

      Tamara Cook’s dog bit Kenneth Whitsell-Sherman while  Whitsell-Sherman
was discharging his duties as a letter carrier.   The  liability  of  owners
whose dogs bite mail carriers and certain other public servants is  governed
in Indiana by statute.  We hold the effect of this statute is to render  dog
owners strictly liable if their dogs  bite  the  described  public  servants
without provocation.


      We also hold Indiana Rule of Evidence 413 allows  the  admission  into
evidence of bills for actual charges for past  medical  treatment  but  does
not authorize admission of written statements purporting to estimate  future
medical costs.


                      Factual and Procedural Background


      On the afternoon  of  July  31,  1998,  Kenneth  Whitsell-Sherman  was
delivering mail as a letter carrier for the United  States  Postal  Service.
When he arrived at the home of Marva and Joseph Hart, the Harts were on  the
sidewalk outside their fenced yard and  their  eight-year-old  daughter  was
several feet away on the sidewalk, holding Maggie, a  100-pound  Rottweiler,
on a leash.  Maggie was owned by appellant Tamara Cook, and the  Harts  were
taking care of her while  Cook  was  out  of  town.   When  Whitsell-Sherman
finished delivering the Hart’s mail and attempted to walk around Mrs.  Hart,
Maggie broke free and bit Whitsell-Sherman on the left  hand.   Before  this
incident,  Maggie  had  never  demonstrated  any   aggressive   or   violent
tendencies.


      Whitsell-Sherman sued Cook and the Harts.  The Harts  did  not  appear
and a default judgment was entered against them on both  the  complaint  and
Cook’s cross claim for indemnity.  After a  bench  trial,  the  trial  court
found that Cook was the owner of the dog  and  the  Harts  had  custody  and
control at the time of the incident.  The  court  concluded  that  Cook  was
liable for negligence per se and violation of a statutory duty.


      The trial court found it “highly likely”  that  Whitsell-Sherman  will
need significant future surgery[1] and ruled that Evidence Rule 413  allowed
Whitsell-Sherman to prove these future costs through  four  contested  items
of evidence: letters from a hospital, a  surgeon,  and  an  anesthesiologist
estimating  the  cost  of  future  treatment  and  a   summary   of   future
prescription costs, compiled by Whitsell-Sherman’s lawyer.  The trial  court
entered judgment for Whitsell-Sherman against Cook  and  the  Harts  in  the
amount of $87,000.  Cook appealed and the Harts remained in default.

           Indiana Code section 15-5-12-1 provides:


           If a dog, without provocation, bites any person who is peaceably
           conducting himself in any place where he may be required  to  go
           for the purpose of discharging any duty imposed upon him by  the
           laws of this state or by the laws or postal regulations  of  the
           United States of America, the owner of  such  dog  may  be  held
           liable for any damages suffered by the person bitten, regardless
           of the former viciousness of such dog or the  owner’s  knowledge
           of such viciousness.


      On appeal, the Court of Appeals agreed that Cook was  the  “owner”  of
the dog for purposes  of  this  statute,  but  reversed  the  trial  court’s
determination that the statute rendered the owner liable under the  doctrine
of negligence per se.  The  Court  of  Appeals  reasoned  that  the  statute
imposed no duty upon Cook and did not  alter  the  common  law  standard  of
reasonable care required of dog owners except to eliminate  the  common  law
presumption that a dog is harmless.  The court concluded that under  general
rules of negligence a public servant who has  been  bitten  by  a  dog  must
still show that the dog’s owner failed to act reasonably to prevent the  dog
from causing harm.  Because the admissibility of evidence of future  medical
expenses was likely to arise again upon retrial the Court  of  Appeals  also
addressed the trial court’s ruling on  Evidence  Rule  413,  and  held  that
estimates of future medical charges were admissible under  Rule  413.   This
Court granted transfer.


   I. Liability of “Owners” and Keepers to Public Servants Bitten by Dogs

      At the time Maggie bit Whitsell-Sherman, Cook was Maggie’s  owner  but
not her custodian.   Whether  Indiana  Code  chapter  15-5-12  renders  Cook
liable under these facts is a question of law and we review it de novo.


      Cook argues initially that the statute does not apply to her  in  this
situation because at the time of the incident she was not in  possession  of
the dog.  Section 15-5-12-2 provides that “owner” as the term is used in 15-
5-12-1 “includes a possessor, keeper, or harborer of a dog.”   Cook  reasons
that under this definitional section, an “owner” of a dog is the person  who
has control of the dog at the time of  the  bite.   As  in  this  case,  the
“keeper” may not be the person to  whom  the  dog  belongs.   The  Court  of
Appeals held that the statute applies to Cook by  its  terms.   The  statute
explicitly provides that “‘owner’ means the owner of a dog.”   Ind.  Code  §
15-5-12-2 (1998).  The court reasoned that the fact that  the  statute  goes
on to say that “owner” also “includes” the “possessor, keeper,  or  harborer
of a dog” does not restrict the term “owner” to those in immediate  custody.
 Rather, it expands the definition of “owner” to include others in  addition
to the dog’s owner.  We agree that Cook’s  liability  is  governed  by  this
statute.  By  providing  that  owner  “includes”  custodians,  it  does  not
substitute them for the owner if, like Cook, the owner is  absent  from  the
scene of the bite.  This also  seems  fair  because  the  owner  is  usually
better able to know  the  dog’s  temperament  than  one  to  whom  temporary
custody is extended.  The  owner  is  ordinarily  best  positioned  to  give
whatever special instructions are necessary to control the dog.


      Cook argues that even if she is an owner, the trial  court  misapplied
Section 15-5-12-1 when it held  her  negligent  per  se  by  reason  of  the
statute.  The common law presumes that all  dogs,  regardless  of  breed  or
size, are harmless.  Poznanski v.  Horvath,  788  N.E.2d  1255,  1257  (Ind.
2003); Ross v. Lowe, 619 N.E.2d 911, 914 (Ind. 1993).  This presumption  can
be overcome by evidence of a known vicious or dangerous  propensity  of  the
particular dog.  Ross, 619 N.E.2d at 914.  The owner or keeper of a dog  who
knows of any vicious propensity is required to use reasonable care in  those
circumstances to prevent the animal from causing injury.  Id.   Furthermore,
the owner of a dog is expected to use  reasonable  care  to  prevent  injury
that might result from  the  natural  propensities  of  dogs.   Id.   “Thus,
whether the  owner  or  keeper  of  the  animal  is  aware  of  any  vicious
propensity, the legal description of the duty owed  is  the  same:  that  of
reasonable care under the circumstances.”  Id.   Cook  argues  that  Indiana
Code section 15-5-12-1 does nothing  to  alter  this  traditional  framework
other than to remove the common law presumption of  harmlessness  if  a  dog
injures a public servant.   Accordingly,  she  argues,  the  public  servant
injured by a dog still bears the burden of showing that  the  owner  of  the
dog failed to exercise reasonable care  to  prevent  the  dog  from  causing
injury.


      We agree with Cook’s view of the common  law  of  dog  bites,  but  we
think it clear that Section 15-5-12-1 was intended to alter that common  law
framework if the victim is a letter carrier.   A statute  in  derogation  of
the common law is presumed to be enacted with awareness of the  common  law.
Bartrom v. Adjustment Bureau, Inc., 618 N.E.2d 1,  10  (Ind.  1993).   Here,
the legislature clearly intended to change the common  law  and  did  so  by
explicitly removing the common  law  presumption  that  a  dog  is  harmless
unless it  acts  otherwise.   Some  states  have  chosen  to  impose  strict
liability  for  all  dog  bites.   As  the  Restatement  notes,  “[s]tatutes
frequently abolish the necessity of scienter  and  impose  strict  liability
for all harm caused to human beings  and  livestock  by  dogs.”  Restatement
(Second) of Torts § 509 cmt. f (1977).  See, e.g., Nicholes v.  Lorenz,  211
N.W.2d 550, 551 (Mich. Ct. App. 1973) (a statute that  provides  “the  owner
of any dogs which shall . . . bite any person . .  .  shall  be  liable  for
such damages as may be suffered by the  person  bitten,  regardless  of  the
former  viciousness  of  such  dog  or  the  owner’s   knowledge   of   such
viciousness” places absolute liability on the owner of the dog).

      The Indiana statute imposes a less sweeping revision  of  common  law.
It protects only public servants, and does not expressly set a  standard  of
conduct or impose liability for a bite.  The trial court concluded that  the
effect of the statute was to render the owner negligent per se.   Negligence
per se is ordinarily found where the actor has violated a  duty  imposed  by
law.  Elder v. Fisher, 247 Ind. 598, 602, 217 N.E. 2d 847, 850 (1966).   For
example, violation of a statute making it a misdemeanor to permit cattle  to
wander onto a highway is negligence per se.  Corey v. Smith, 233  Ind.  452,
455, 120 N.E.2d 410, 412 (1954).  Just  as  the  Indiana  statute  does  not
explicitly  create  liability,  it  also  does  not  expressly  establish  a
standard of conduct.  It thus does  not  suggest  negligence  per  se  under
standard doctrine.


      We nevertheless conclude the statute has the effect of  rendering  the
owner liable for bites of public servants.   Persons  engaged  in  dangerous
activities may be strictly liable to others who are injured.   Specifically,
owners of wild animals have been viewed as negligent per se for  failure  to
control the animal.  See Bostock-Ferari  Amusement  Co.  v.  Brocksmith,  34
Ind. App. 566, 568, 73 N.E. 281, 282 (1905).  More recently,  liability  for
injuries inflicted by wild animals  has  been  viewed  as  strict  liability
doctrine.  Irvine v. Rare Feline Breeding Ctr., 685 N.E.2d  120,  123  (Ind.
Ct. App. 1997) (injuries by a tiger).  Thus, possession  of  a  wild  animal
is, like blasting, an unreasonably dangerous activity subjecting  the  actor
to strict liability.   The  common  law  treated  dogs,  unlike  tigers,  as
presumptively not dangerous and not subject to  that  liability.   Otherwise
stated, although a dog with a previously spotless record  may  present  some
risk of a bite, canine ownership was not an  abnormally  dangerous  activity
at common law.  However, the Indiana statute puts dog  owners  on  the  same
legal footing as owners of less domestic animals as far as  public  servants
are concerned.  The result  is  strict  liability  for  failure  to  prevent
injuries that are the result of  the  perceived  dangerous  propensity.   In
this case, the dangerous propensity is a dog bite.  Keeping a tiger  in  the
backyard  is  a  classic  example  of  an  “abnormally  dangerous”  activity
subjecting the keeper to strict liability.  See Dan B.  Dobbs,  The  Law  of
Torts § 345, at  947-48  (2001).   The  Indiana  statute  gives  the  postal
delivery worker the same protection from  dog  bites  that  the  common  law
gives all citizens from tiger maulings.  In this case, the statute  reflects
a policy choice that the dog’s owner and keeper should bear the loss  rather
than the injured public employee.  Accordingly, Cook is  subject  to  strict
liability for Maggie’s biting Whitsell-Sherman.


      Reading the statute to impose strict  liability  is  similar  but  not
identical to the negligence per se  theory  followed  by  the  trial  court.
Under negligence per se, the law accepts the legislative judgment that  acts
in violation of the  statute  constitute  unreasonable  conduct.   A  person
whose acts are negligent per se can still invoke the  excuses  available  to
any negligent actor such as emergency response or  lack  of  capacity.   See
generally Restatement (Second) of Torts § 288A; Gore v. People’s Sav.  Bank,
665 A.2d 1341, 1345 n.10 (Conn.  1995).   Strict  liability,  on  the  other
hand, assumes no negligence of the actor, but chooses  to  impose  liability
anyway.  David C. Sobelsohn, Comparing  Fault,  60  Ind.  L.J.  413,  427-28
(1985).


      By stating that an owner “may be held liable . . . regardless  of  the
former  viciousness  of  such  dog  or  the  owner’s   knowledge   of   such
viciousness,” the statute directs that a court  may  hold  a  person  liable
whether or not the dog had a  history  of  violence.   Cook  points  to  the
statute’s use of the word “may,” and argues that  the  statute  permits  but
does not require liability for the dog’s first bite.   She  reasons  that  a
successful plaintiff must still  establish  lack  of  reasonable  care.   We
think “may” simply emphasizes the change in the liability  scheme  from  the
common law rule that every dog gets one free bite.  Because every canine  is
a dangerous instrumentality as far as postal employees  are  concerned,  the
rules applicable to wild animals apply to impose strict liability.  The  net
result of eliminating the presumption of canine  harmlessness  is  that  the
statute imposes strict liability on dog owners for bites of letter  carriers
and other public servants in the course of  their  duties.   The  result  is
that the statute’s removal of the  presumption  in  most  cases  leaves  the
bitten public servant with nothing more  to  prove  to  establish  liability
than who the owner is and that the  dog  sunk  his  teeth  into  the  public
servant without provocation.  Failure to control the  dog  who  bites  under
these circumstances renders the owner liable without more.


                      II. Indiana Rule of Evidence 413

      Cook argues that the trial court erred in admitting  evidence  of  the
cost of future medical treatment  that  Whitsell-Sherman  could  face  as  a
result of his injury.  This issue turns on the construction  of  a  rule  of
evidence, not its application to any particular set of facts.  As  such,  it
is reviewed de novo.  Stahl v. State, 686 N.E.2d 89, 91 (Ind. 1997).


      At  trial,  Whitsell-Sherman  introduced  letters  from  health   care
providers estimating  future  medical  expenses.   These  assumed  he  would
likely need to undergo one of two  types  of  hand  surgery.   Specifically,
these estimates were contained  in  a  letter  from  Community  Hospital  of
Anderson estimating future surgical costs for two types of hand  surgery  at
$4,500 for left-hand fusion and $8,000 for joint replacement, a letter  from
his surgeon estimating $2,307 in surgical fees,  a  letter  from  Anesthesia
Services, Ltd. estimating costs for anesthetic services  for  the  different
surgeries at  between  $350  and  $550,  and  a  summary,  compiled  by  his
attorney, estimating future prescription drug costs over  Whitsell-Sherman’s
life expectancy.  Cook objected to this evidence  as  inadmissible  hearsay.
The trial court ruled that the evidence was admissible pursuant  to  Indiana
Rule of Evidence 413.  That Rule provides:

           Statements of charges for medical,  hospital,  or  other  health
           care expenses for diagnosis or treatment occasioned by an injury
           are admissible into evidence.  Such statements shall  constitute
           prima facie evidence that the charges are reasonable.



We conclude that Rule 413 allows the admission  of  bills  for  actual  past
medical charges, but does not permit future estimates of costs.

      First, the text of Rule 413 does not support  the  result  reached  by
the trial court and the Court of Appeals. The rule does not  use  the  terms
“past” or “future”  to  qualify  the  types  of  “statements”  to  which  it
applies.  But it is limited  to  “statements.”    We  think  the  rule  uses
“statements” not to mean “assertions of fact,” but rather as  equivalent  to
“bills” or “charges.”  One definition of “statement”  is  “a  summary  of  a
financial account showing the balance  due.”   Merriam-Webster’s  Collegiate
Dictionary 1148 (10th ed. 1993).  The rule’s  reference  to  “statements  of
charges” is  in  this  sense.   Moreover,  the  rule  uses  the  past  tense
(“occasioned”) in describing the “charges” for which a  “statement”  may  be
admitted under Rule 413.  This  by  its  terms  allows  only  statements  of
charges for medical treatment that have already been incurred.

      The purpose of the Rule also limits its application to  statements  of
past medical charges.  In order to recover an award of damages  for  medical
expenses, the party seeking to recover these damages  must  prove  that  the
expenses were both reasonable and  necessary.   Smith  v.  Syd’s  Inc.,  598
N.E.2d 1065, 1066 (Ind. 1992).  This  was  traditionally  proven  by  expert
testimony.  The purpose of Rule 413  is  to  provide  a  simpler  method  of
proving amount of medical expenses when there is no substantial  issue  that
they are reasonable and were caused by the tort.  If there is a dispute,  of
course  the  party  opposing  them  may  offer  evidence  to  the  contrary,
including expert opinion.  By permitting medical bills  to  serve  as  prima
facie proof that the expenses are reasonable, the rule eliminates  the  need
for testimony on that often uncontested issue.  Finally,  the  fact  that  a
statement was submitted is at least some evidence that the charge is  normal
for the treatment involved, and  it  was  necessary  to  be  performed.   In
short, none of the reasons  for  Rule  413  apply  to  estimates  of  future
expenses.

      Rule 413 establishes the relevance of statements of  medical  charges.
It provides that these statements can be  introduced  and  constitute  prima
facie evidence that the charges are reasonable.   Relevance  is  one  issue.
Hearsay and opinion issues remain.  The  hearsay  rules  generally  prohibit
the introduction of evidence of out-of-court statements to prove  the  truth
of the matters asserted in  those  statements.  These  rules  are  meant  to
prevent the introduction  of  unreliable  evidence  that  cannot  be  tested
through cross-examination.  Medical bills already  charged  can  usually  be
admitted  over  any  hearsay  objection  either  through  testimony  of  the
supplier as business records  under  Indiana  Rule  of  Evidence  803(6)  or
through testimony of the patient to refresh memory under Rule  803(5).   See
Montgomery Ward & Co. v. Gregg, 554 N.E.2d 1145, 1161 (Ind. Ct.  App.  1990)
(“Gregg demonstrated knowledge of particular charges . . .  .  Consequently,
we find no reversible error in permitting Gregg to refer to the  compilation
of expenses to obtain the total cost of his medical  care”).   Estimates  of
future medical expenses are not records of an event that  has  occurred,  as
required by Rule 803(6) of a business record.  Nor do they help a refresh  a
person’s recollection.  Indeed they relate to an  event  that  has  not  yet
occurred and may never occur.


      Even if hearsay  objections  are  surmountable,  estimates  of  future
medical charges are not  as  reliable  as  medical  bills  already  incurred
because the amount of future medical charges  is  usually  debatable  as  to
both the probability of the  need  for  the  treatment  and  the  method  of
estimating its future cost.  The letters  at  issue  here  state  explicitly
that they are meant only as estimates.  As  such,  they  constitute  opinion
evidence.  This is precisely the sort of evidence that  would  benefit  from
cross-examination.  Hearsay  rules  prevent  admission  of  the  opinion  in
documentary form not subject to cross-examination, and the  rules  governing
opinion testimony require that the proponent  establish  the  competency  of
the source to express the opinion.   Rule 413 was not intended to, and  does
not do away with these requirements under the rules found  in  Articles  VII
and VIII of the Rules of Evidence.  Accordingly, Rule  413  does  not  allow
admissibility of  estimates  of  future  charges  as  prima  facie  evidence
without  supporting  testimony  admissible  under  the  doctrines  governing
hearsay and opinion testimony.


      For these reasons, we hold that Indiana Rule of Evidence 413 does  not
permit the  introduction  into  evidence  of  written  estimates  of  future
medical costs.  Rather,  these  costs  must  be  established  by  admissible
testimony from competent witnesses.


                                 Conclusion

      We hold that Indiana Code section 15-5-12-1 imposes  strict  liability
on dog owners whose dogs bite public servants without provocation.  We  hold
also that Rule 413 of the Indiana Rules of Evidence  does  not  support  the
introduction into evidence of written estimates  of  future  medical  costs.
Cook argues that the amount of damages assessed against her  was  excessive.
Because there must be a new trial of  damages,  we  need  not  address  this
issue.  This case is remanded for retrial on the issue of damages.

Shepard, C.J., and Dickson, and Sullivan, JJ. concur.
Rucker, J., concurs in part and dissents in part with separate opinion.
Rucker, Justice, concurring in part and dissenting in part.

      I disagree with the majority’s conclusion that Indiana Code section 15-
5-12-1 imposes strict liability on the  owners  of  dogs  that  bite  letter
carriers  and  other  public  servants.   Although  the   General   Assembly
abrogated the common law in this area, there is nothing in  the  statute  to
suggest that it did so by making  dog  owners  strictly  liable.   Professor
Prosser discussed the rationale  for  the  imposition  of  strict  liability
against owners for injuries caused by dangerous animals.  He explained  that
strict liability is appropriately placed:

           [U]pon those who, even with proper care, expose the community to
           the risk of  a  very  dangerous  thing.  .  .  .   The  kind  of
           “dangerous animal”  that  will  subject  the  keeper  to  strict
           liability . . . must pose some kind of an abnormal risk  to  the
           particular community where the animal is kept; hence, the keeper
           is engaged in an activity that subjects those in  the  vicinity,
           including those who come onto his property, to an abnormal risk.
            It is the exposing of  others  to  an  abnormal  risk  that  is
           regarded as justifying strict liability.  .  .  .  Thus,  strict
           liability has been imposed  on  keepers  of  lions  and  tigers,
           bears, elephants, wolves, monkeys, and other animals.  No member
           of such a species, however domesticated, can ever be regarded as
           safe, and liability does not rest upon any experience  with  the
           particular animal.

Prosser and Keeton on the Law of Torts  §  76,  at  541-42  (5th  ed.  1984)
(footnotes omitted).  The underlying premise is that the  animal  itself  is
inherently dangerous and  thus  safety  lies  only  in  keeping  the  animal
secure.  See, e.g., Irvine v. Rare Feline Breeding Ctr.,  Inc.,  685  N.E.2d
120,  125  (Ind.  Ct.  App.  1997)  (discussing  the  imposition  of  strict
liability on owners of wild animals), trans. denied.

      There is nothing inherently dangerous about a  dog.   Indeed,  as  the
majority correctly points out, under our common law, all dogs regardless  of
breed or size, are presumed to be harmless domestic animals.   Poznanski  v.
Horvath, 788 N.E.2d 1255, 1258 (Ind. 2003); Ross v. Lowe,  619  N.E.2d  911,
914 (Ind. 1993).  Ordinarily this presumption is overcome by evidence  of  a
known or  dangerous  propensity  as  shown  by  the  specific  acts  of  the
particular animal.  Poznanski, 788 N.E.2d at 1258.  However, even where  the
owner of a dog knows of the animal’s dangerous propensity  “[the]  rules  of
liability are based upon negligence and not strict liability.”  Id. at  1259
(quoting Alfano v. Stutsman, 471 N.E.2d 1143, 1144 (Ind. Ct. App. 1984)).
      In this case the majority reasons the statute’s language that an owner
“may be held liable . . . regardless of the former viciousness of  such  dog
or the owner’s knowledge of such  viciousness,”  has  the  “net  result”  of
imposing strict  liability  on  dog  owners  when  their  dogs  bite  letter
carriers and other public servants in the course of their duties.  Slip  op.
at 8-9 (emphasis added).  In my view this is an overly expansive reading  of
the statute.  Had the Legislature intended to impose  strict  liability,  it
would have done so by dictating that an owner “shall be held liable  .  .  .
etc.”  Absent such language, I agree with my  colleagues  on  the  Court  of
Appeals that the statute removes the common law presumption that  a  dog  is
harmless in situations where an unprovoked dog bites  a  letter  carrier  or
other  public  servant.   In  essence,  the  statute  simply  relieves   the
plaintiff of the burden of establishing  a  dog  owner’s  knowledge  of  the
dog’s dangerous  propensities.   The  plaintiff  still  has  the  burden  of
establishing that the dog  owner  failed  to  exercise  reasonable  care  to
prevent the dog from causing injury.  On this point I therefore dissent.   I
concur in the remainder of the majority opinion.








-----------------------
[1] The trial court made these  findings  by  accepting  verbatim  Whitsell-
Sherman’s proposed findings of fact.  This practice weakens  our  confidence
as an appellate court  that  the  findings  are  the  result  of  considered
judgment by the trial court.  Prowell  v.  State,  741  N.E.2d  704,  708-09
(Ind. 2001).  Here, the adoption of the proposed  findings  was  not  by  an
entry that recited the  findings.   Rather,  it  was  by  a  one-line  order
reciting in  relevant  part,  “Findings  of  fact  and  conclusions  of  law
approved as per order.” This practice leaves us with an even lower level  of
confidence that all findings  reflect  the  independent  evaluation  by  the
trial court.