Thanks a MILLION for the informative, very thorough explanation. I truly learned a lot about what's going on and what to do about it. I've taken some vacation time to spend solely on catching this stuff where it is so your links and suggestions are INVALUABLE to me, as I'm a new home owner with very little experience, esp. dealing with stuff like this.
Much, much thanks....you have made my day by taking the time to set me straight on the whole thing.