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                                                                   EXHIBIT 10.20


                     SECOND AMENDMENT TO PURCHASE AGREEMENT

         This Second Amendment to Purchase Agreement (the "Second Amendment") is
executed as of the 8th day of November, 2001, by and between GenCap Westridge I,
LLC ("Buyer") and Healthcare Recoveries, Inc. ("Seller").

                                    RECITALS:

         A.       Buyer's predecessor-in-interest, GCG Acquisitions, LLP, and
Seller entered into a Purchase Agreement having an Acceptance Date of June 29,
2001 for property located at 5455 South Westridge Avenue, New Berlin, Wisconsin
("Property"), which Purchase Agreement was amended by that Amendment to Purchase
Agreement having an effective date of July 29, 2001 (as so amended, the
"Purchase Agreement").

         B.       Seller has requested that Buyer waive the parking lot
contingency set forth in Section 4.5.5 of the Purchase Agreement and Buyer has
agreed to do so provided Buyer and Seller enter into this Second Amendment.

         C.       In exchange for Buyer waiving the above-described parking lot
contingency, Seller has agreed that Buyer shall receive a reduction in the
Purchase Price of $81,900.00.

         D.       Pursuant to the Purchase Agreement, the parties originally
anticipated Seller performing the Tenant Improvements. The parties now desire
that Buyer perform the Tenant Improvements, and Buyer has agreed to contribute
$300,000 towards the Tenant Improvements in exchange for an equivalent reduction
in the Purchase Price and Seller's agreement to pay any and all costs associated
with the Tenant Improvements which exceed $300,000.

         E.       The parties desire to amend the Purchase Agreement as set
forth herein.

         NOW, THEREFORE, the parties hereby agree as follows:

         1.       Buyer hereby waives the parking lot contingency set forth in
Section 4.5.5 of the Purchase Agreement.

         2.       Section 2 of the Purchase Agreement is hereby amended and
restated to read in its entirety as follows:

                  2.       Purchase Price. The purchase price ("Purchase Price")
         for the Property is Three Million One Hundred Eighteen Thousand One
         Hundred Dollars ($3,118,100.00), and shall be payable, subject to
         prorations, credits and escrows as provided in this Purchase Agreement,
         at closing by delivery of a certified or cashier's check from Buyer or
         by wire transfer from Buyer. The parties hereto agree that they will
         allocate One Hundred Twenty Five Thousand Dollars ($125,000.00) of the
         Purchase Price to the personal property being transferred pursuant to
         this Purchase Agreement and Two Million Nine Hundred Ninety Three
         Thousand One Hundred Dollars ($2,993,100.00) to the Land and
         Improvements.

         3.       Section 4.6 of the Purchase Agreement is amended and restated
to read in its entirety as follows:


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                  4.6      Lease and Escrow Agreement. Buyer and Seller entering
         into [i] a lease for the lower level of the building located on the
         Property, in substantially the form of the Office Lease attached hereto
         as Exhibit C (the "Office Lease"), and [ii] an escrow agreement with
         Chicago Title Insurance Company (the "Chicago Title Escrow Account"),
         in substantially the form of the Escrow Agreement attached hereto as
         the Escrow Agreement Exhibit (the "Escrow Agreement"). At the closing,
         the Buyer and Seller agree that Buyer will deduct from the Purchase
         Price (and Seller's purchase money proceeds will be reduced by) a
         portion of the amount necessary to perform the Landlord Work (as such
         term is defined in the Office Lease), which Buyer and Seller estimate
         to be approximately One Hundred Thirty-Nine Thousand Four Hundred
         Seventy-One Dollars ($139,471.00), and deposit such sum in the Chicago
         Title Escrow Account, to be released to T-3 Group, in accordance with
         the Escrow Agreement. Buyer will pay Three Hundred Thousand Dollars
         ($300,000.00) of the amount necessary to perform the Landlord Work, and
         will deposit such sum in the Chicago Title Escrow Account, to be
         released to T-3 Group, in accordance with the Escrow Agreement and
         Buyer's "Holdback Agreement" with Buyer's lender, Associated Bank.

         4.       Buyer and Seller hereby agree that the personal property to be
sold to Buyer pursuant to the Purchase Agreement is set forth on the Personal
Property Exhibit.

         5.       A new Section 5.5 is hereby added to the Purchase Agreement
reading in its entirety as follows:

                  5.5      Parking Lot Work. Seller hereby agrees to commence,
         prior to the closing, the alterations to the parking lot ("Parking Lot
         Work") described in that certain AIA Contract entered into by and among
         Seller, Buyer, and MSI, Inc., dated September 28 2001, a copy of which
         is attached hereto as the Contract Exhibit, (the "Contract"). Such
         Parking Lot Work shall be at Seller's sole expense. At closing, Seller
         shall deposit One Hundred Five Thousand Eight Hundred Dollars
         ($105,800.00) of the Purchase Price into the Chicago Title Escrow
         Account to guaranty payment of the Contract sum described in the
         Contract and other minor costs related thereto.

         6.       Capitalized terms used herein shall have the meaning ascribed
to them in the Purchase Agreement.

         IN WITNESS WHEREOF, the parties have signed this Second Amendment as of
the date first above written.

                                   GENCAP WESTRIDGE I, LLC

                                   By: /s/ David J. Weiss
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                                   HEALTHCARE RECOVERIES, INC.

                                   By: /s/ Douglas R. Sharps
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