(1) D failed his duty, (2) P sustained no direct physical trauma, and EITHER (1) P was almost injured by D (P was in the zone of danger AND P suffered emotional stress and subsequent physical manifestations), (2) P was a bystander (P and the victim are closely related AND P saw the victim get injured), or (3) P and D have a business relationship (D carelessly performed duty that is highly likely to cause emotional distress).