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Hi all, please let me begin by apologizing for my ignorance with this entire subject. I've tried reading so many different threads from others and researching online, but I just don't understand the terminology and the intricacies of the system. In short, my wife and I are buying a wonderful...

Hi all, please let me begin by apologizing for my ignorance with this entire subject. I've tried reading so many different threads from others and researching online, but I just don't understand the terminology and the intricacies of the system. In short, my wife and I are buying a wonderful...