Ok, I figured out the list issue. I was thinking that you could create rules with multiple items on separate lines. I.E.
to you
to: you
to them
to: them
One needs to create a REGEX expression for multiple items otherwise its looking for the whole text field so to make the above list it should be:
REGEX#:to you|to: you|to them|to: them
This explains why I didnt think my rules were working at all since of the 8 that I created, they were only looking for the first item in each field.
As evident by many of the posts here, I think some more complex samples are in order in the documentation. Having a multi-value list like the one stated above is pretty standard affair for domino forms so I suspect that I'm not the first one to have this assumption. This should be stated plainly in the documentation since it took me several reads to come to this realization.
The regex coach as mentioned in a post earlier ( http://weitz.de/files/regex-coach.exe) is a HUGE help.