PK
One of the best pieces of advice given to me 30 odd years ago when I first joined was RTFQ...........or Read The Fuc@ing Question and it has worked wonders for me over the years.
All the questions you have asked are covered in the 160 plus pages of this thread hence my advice to read through it and if reiterating my point with more emphasis makes me an old fashioned ignorant schoolmaster then so be it.