Thanks for ideas. I'm not trying to use subnet 0 nor all 1s so that link doesn't seem to apply to my exact situation.
Since my orignal posts may have been slightly confusing to some, a better way to state my goal is...
I have my own private LAN using NAT based Internet at home.
The business has a private LAN and T1 connection to the Internet (uses a Cisco 1721 router).
I purchased a fractional T1 to connect directly to the business (point-to-point). I also puchased a Cisco 1720 router for use with the fractional T1 (inside the home).
Now I need to configure the routers to use the new fractional T1. At my home, I want my normal Internet traffic to use my home cable modem connection. I only want to use the T1 when connecting to servers at the business or if my cable modem connection is down.
And likewise, if the business' T1 goes done, I'd like to route some of it's important traffic through my cable modem account.
I have never configured Cisco IOS before, nor have I any education on doing so. I am confident I can do the routing logistics once I understand enough of Cisco's limitations and config method.