Re: I\'m new...is this a dumb question?
No, it isn't a dumb question! It is disappointing that no one from the I-Consortium answered this online. I hope they got back to you of-line. I have some dealings with these nice people and I hope they don't mind if I attach their brochure.
By the way, I am not associated with them so I have no interest in advertising them... But this is all good knowledge.