Some of us have been at this a long time, and we're pretty deep into it. This is a research board. I know it's frustrating - it's been frustrating to us at times too. But keep working at it and keep reading a variety of sources. If you have a specific question, ask it and likely one of us will answer. But this process is most valuable when you do the research yourself. You have far more than we had in the beginning. Be patient.