Does it matter if the keyword is "home business New York" and its written "home business all over New York". If not then "home business New York" is easier to search for in the content so I do understand the point of keeping the keywords exactly as they should appear with no regard for grammar. I think that little point would make everyones job that much easier from the content writers on down because I find myself changing all the keywords to exact, on alot of reworked accounts that say the keywords are not in the content. As you go one by one they are all there they are just fit into the content to make it readable. Anyway in the everchanging world of SEO in the end its about ranking the sites and making clients happy, have a good 4th of July an enjoy the 3 day weekend.