Thanks, Ken, for the links! I'll follow up and read and view some videos.

Meanwhile, I'll get to bed early, since I've got the doctor's appointment tomorrow afternoon, and I'll make my notes, get my ducks in a row in the morning.

I sure am glad I found a place here where other folks are also wrestling with the same sorts of questions. There's so much more for me to learn! These are complex topics, but I'm eager to understand the variables involved.

Kate