Friends, again I thank you for filling in some of the gaps in my ignorance. I probably will not attempt to keep up in this thread, as the discussion has left me behind - I sorta kinda understand some of what is being discussed, but it is way beyond my current needs and abilities. This is not a complaint - it is the nature of open discussions to go where they will. I just don't want anyone to ask a question to the OP (me), get no response, and think I have taken my marble (only one, and it is cracked!) and gone home. I may start a new thread when I am about to pull the trigger on a purchase - only about a month away, now - can't wait!