This is the first time I've ever actually understood anything I've read that was written on this topic. Have you ever read one of those "for Dummies" books? I love the ones I've read, and stuff will actually make sense to me afterwards. I found the same exact thing on this thread! Not that anyone here is a dummy, but I know many of us are confused when it comes to this stuff, and now I'm a lot less confused thanks to the information from admmad!