Hey Lovinquiltin,
Yours was NOT a dumb question! FWIW, after replying to your query, I checked "watch this topic" because I, too, wanted to learn more about QAYG!
Like you, I have always been reluctant to ask questions for fear that I would be thought "stupid." Despite my degree from an Ivy League college, I often wonder how much richer my life might have been if I had felt free to ask questions!