Thanks Nick......You can clearly see it in the picture above. I just typed those words in the text box during the form creation. Starting with "The Group has liability....."
Subsequently I have found a workaround. I have to type something into the "Help Text" box under the "Context", submit the changes, go back to configure the form, change the text to "code", click on the text to show the "cell" (for lack of a better word), backspace the text out of that cell until the cell disappears, then submit the changes again. So it appears that the <br /> is being generated by Redactor and only in the "Help Text" field.
That process works and it is repeatable. If that helps........