http://www.cordequestrian.net/carol_mcardle_fund.htm

"Recently, while teaching a clinic, Carol Lynn McArdle was kicked in the arm and the chest (heart) while working a horse in-hand for a student. She also suffered a serious concussion from the impact of hitting the ground with her head as she landed, 25 feet away from where she had stood. Carol was taken by ambulance to St. Mary’s Medical center and had surgery as she had a double, open break just above her right wrist. Following the surgery, complications occurred when she had an allergic reaction to the anesthesia and the antibiotics, which kept her in the hospital for an additional two days. Her heart is still giving her a lot of problems and shortness of breath, and the cardiologist said that she had the equivalent of a heart attack. The surgery on her arm was successful, and she is very hopeful that she will regain most of the use of it, but she is left with a prognosis of 4 months before it comes out of the cast."

...

"Luckily Carol does have medical insurance but with a deductible of $5,000.00 and co-pays on top of that, it is swiftly adding up into thousands of dollars. Carol was unable to teach for this first month though tough as she is, she is now giving it a go but she cannot do any barn work which means she has to pay someone to do all the chores. Between medical expenses, horse expenses and then the simple day to day bills, Carol faces a tough road ahead for immediate future."