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As a fantasy football owner, you've got a lot of responsibilities. Between the crushing pressures of managing your picks, keeping up with the latest player intel and minimizing the ESPN.com window every time your boss walks by, it's a wonder you can sleep at night. So when one of your players takes a nasty fall and ends up carted off the field, you need to be able to act quickly.

Fortunately, there's physical therapist Stephania Bell. She dishes out the latest injury analysis on her ESPN blog, and was kind enough to provide an injury cheat sheet for the busy fantasy owner. (If we'd known it could lead to playing fantasy football for a living, we probably would've gone to med school.)

1. ACL Tear
Perhaps the most well-known sports injury, the anterior cruciate ligament (ACL) is one of the stabilizing ligaments of the knee essential for deceleration and directional changes on the field.
Panic level: 3
Who it affects: running backs, quarterbacks, Ronnie Brown ('07), Tom Brady
Fantasy move: When the ACL is torn, it can take a player up to two years to return to pre-injury form. As soon as you hear torn ACL, go get a replacement.

2. Turf Toe
Turf toe is actually a hyperextension or jamming of the big toe, resulting in damage to the ligaments and fibrous tissue underneath the joint where the big toe meets the foot. I've heard players describe it as feeling like stepping on a hot poker while having a nail driven through your toe.
Panic level: 2
Who it affects: running backs, receivers, LaDainian Tomlinson, Darren McFadden
Fantasy move: Turf toe can range from a mild case where a guy is back on the field within a week or it can be career-threatening. Secure a backup and then keep your eye on what the player is able to do in practice.

Read about more sprains and pains after the jump.

3. High Ankle Sprain
A high ankle sprain is much more complicated than your typical ankle sprain because it involves a spraining of the ligaments that join the two lower leg bones together. This happens when a player's leg and foot twist in opposite directions. If it's not treated properly it can lead to chronic instability and arthritis.
Panic Level: 2
Who it affects: Marshawn Lynch ('07), Bob Sanders
Fantasy move: On average the player will be out for four to six weeks. Secure a backup for at least that long.

4. Lisfranc Injury
You'll sometimes hear this described as an "injury to the mid-foot." This can range from a sprain to a dislocation. The Lisfranc area helps provide the structure that supports the arch of the foot, so if you have an injury there it's very hard to run. In severe cases, the bone actually cracks and pops up out of place.
Panic level: 3
Who it affects: Kevin Jones ('07), Dwight Freeney ('07)
Fantasy move: If it's a sprain, expect the player to need four to six weeks to recover. If the injury is severe enough to require surgery, that player is done until at least next year. Either way, you'll need a backup for at least the rest of the season.

5. Separated Shoulder
A separated shoulder is sometimes called an AC sprain. The injury occurs when a player, usually a quarterback, lands on the outside point of the shoulder, which often happens when he gets sacked and has a large human pile-driving him to the ground. It's an injury to the joint where the shoulder meets the clavicle. If they are damaged enough the two bones will actually move apart and the collarbone will stick up like it's going to come through the skin.
Panic level: 1-2
Who it affects: quarterbacks, Brodie Croyle, Ben Roethlisberger
Fantasy move: You can somewhat judge the severity of this injury by whether or not the player is in a sling after the game. If he is, he's probably not going to play the next week. If you see a sling, it's time to scout the waiver wires for a replacement ASAP.

For more from Stephania Bell, read her ESPN blog or hear her advice on the "Fantasy Football Now" show every Sunday leading up to game time.