<|:)~
Well, that ought to teach you to ask impertinent questions!
Just kidding.... you actually asked some pretty good questions, and there's a wealth of talent roaming around FR who can help explain some of these concepts.
Without folks like you ASKING the questions, nobody would bother answering them.
Or, in the immortal words of the founder of "Faber College" in "Animal House":
Hang around with this crowd and you'll get headaches frequently! LOL