Accessing ActiveRecord errors in a custom FormBuilder

Hi there,

I'm trying to implement Simply Accessible's form error messages
advice, explained here:

http://simplyaccessible.org/article/form-error-messages

I'm trying to produce a custom FormBuilder to accomplish this. It's
based on the TaggedBuilder example in the AWDWR2 book.

Of course, I can't use error_messages_on inside my FormBuilder, so I
rolled my own method to acquire the first error message (if any) for
an ActiveRecord instance, and was stunned into submission by the
results.

Could someone explain the cause of the HERE comment in my code below,
or suggest another approach?

Thanks,
Sheldon.