Thanks to all of you for good advice!

hannah1234: That's a great informative post by Andrea.
keep smilin: Most anyone can understand this explanation!
AintSoBad: I think I'm already experiencing the great divide w/'friends'.
SandyRI: Yes, I don't want to be Debby Downer too, but some are interested. I plan to join RSDSA.

Thanks again, it feels good to talk to people who know about this.