Thanks so much PatriceJ!!!!
I now have a much more clear view of how it all works. It's by no means your fault, but why the heck hasn't someone made it this concise before now. I thought I understood it all before, but now I really got it. Makes total sense to me. Thanks so much for putting it into plain english for us to grasp the gist of it. Now we should all "HAVE IT". Put it to bed now?
Can I quote you on this Patrice?