Thanks for your wonderful responses.
I finally understand. I have asked this question several times in the past and never got responses that 'rang true'. Now I Get it!!!
* One small comment about someone asking a question and not getting an answer. I certainly understand why the poster would have a range of feelings but one thing to consider is the possibility no one actually knows the answer to the question. In the future, if I see someone's (reasonable) question sitting there with no responses, I'll be sure to post simply that I saw the question and wish I could help but don't know the answer. I'll try to get the answer and at least the poster will know they were not ignored.