NoFeeBoards.com!

Wow, thanks to everyone who has responded. John and Hocus, your posts were very helpful, and, Petey, I especially appreciate your tutorial. I've already read it a couple of times, and I will certainly be doing so many more times. I do understand so much more now, and I'm in the process of digesting ...

I have been visiting this board for awhile and reading all the research posts with great interest. I think I understand what you're saying, but I need someone to explain it in words of less than three syllables, leaving out the references to whose study says what (I'll trust you on that), and assume...