Thank you Sculpin.....that is exactly the kind of feed back I need...to make sure that what I THINK I am learning about....is in FACT accurate.....Thank you for clearing that up for me...

I know that you guys have dug and dug and dug up all the info you can get....perhaps though these types of posts will help other new investors as well as myself clarify details......it is easy to get boggled by the vast amount of information to sift through....as this post clearly points out...

Thanks again