99 - I suggest you don't ask here.
There's an irony on here that isn't lost on me. It surrounds certain folks that squeal about a lack of understanding or how nobody outside the ranks feels their pain, but then squeal even louder when somebody asks a few questions about it.
From my experience, you should get a few PMs from the constructive element that frequent these forums. They'll also give you the lowdown on which members to ignore/avoid.
I suggest your further your research down those channels and ignore those who think you don't have a right to ask. The added irony is that said members are generally well off the mark with their own comments - like some of them already have been on this thread.