OWENSBORO, Ky. (AP) - In 1963, 28-year-old Jack Simpson opened his first personal care home - Davco at 2526 W. 10th St. His grandmother had cared for elderly people in her home when he was a boy. That's the way it was in the late 1930s and 1940s. But Simpson saw the need for something different. He had worked at Texas Gas Transmission, was athletic director at Brescia College for a time and, in 1960, became urban renewal director in Owensboro. Simpson's motto was "Operating a personal care home is like playing tennis. You cannot win until you learn to serve." Fifty-seven years later, Simpson, now 85, has five personal care homes across Kentucky - Davco, Fern Terrace Owensboro, Fern Terrace Mayfield, Fern Terrace Murray and Fern Terrace Bowling Green - and an assisted-living facility - Fern Terra. His sons, Rob and Darin Simpson, have been part of the family business for decades. "We have 524 residents today and 200-plus staff," Rob Simpson said. "Davco Homes is the oldest and largest personal care home chain in the state. We have a little over 20% of all personal care beds." Darin Simpson said, "Dad's served more than 10,000 people since 1963. He would cut their toe nails, go out and buy them presents at Christmas and just sit and talk with them. He definitely serves people." Jack Simpson has stayed on the west side of Owensboro all his life. He was born in a house across Second Street from the Owensboro Convention Center and grew up at 1514 Herr Avenue - a stone's throw from Fern Terra, 1415 W. First St. "We need more personal care homes," Rob Simpson said. "But the state doesn't agree. Personal care homes are closing all over the state. We're the only industry where the state tells us how much we can make. They tell us...