This summary is not the rule. The rule text controls.
Sometimes a statement contains another statement inside it, and both are being offered to prove something is true. For example, a document might quote what someone else said, or a witness might testify about what a person told them, who in turn was repeating what someone else said. This creates layers of hearsay, since each statement is being used to prove the truth of what it says.
This kind of layered hearsay can still be allowed in court, but there's a catch. Each layer has to fit its own exception to the hearsay rule. It's not enough for just one part to qualify. Every single statement in the chain needs its own valid reason to be let in as evidence.
For example, imagine a business record that includes a customer's complaint, which itself repeats what another employee said. If the business record qualifies under the business records exception, that only covers one layer. The customer's complaint and the employee's statement would each need their own exception before the whole thing could come into evidence. If even one layer fails to qualify, that part of the statement gets blocked, even if the rest is allowed.
