The call comes from a hospital in the Bronx. Your 74-year-old father — retired, healthy, the center of every family gathering — fell down a dark, broken staircase in his apartment building and didn't survive. Within weeks, the building owner's insurance carrier sends a message through its lawyers: because your father wasn't earning a paycheck, the case is worth very little. Families of children who die because of someone else's negligence hear the same cold argument. That arg