mik,
No nerve stricken at all. Those of us who've haunted these boards for more than a few years have seen this sort of question come up regularly, though, as new people come and go. Just trying to make sure you, and any other newbies like you, get the benefit of what has already been hashed out here in the past. Sorry if it sounded brusque, but better to drive the point home than to risk soft pedaling it to the point that we don't get through.