In this next one it shows the groups, notice how no part of the Shldr group ever connects to the chest group it is isolated by the collar group. Your groups must be set up so they only connect to their parent and their children. Each group (or bone) has only one parent, but may have multiple children like chest does (in this example chest has 3 children rCollar, lCollar, and neck.)
.
A HOMELAND FOR POSER
FINALLY