I apologize - my question does look a bit like a lazy "please Google it for me" type of query. I did very honestly attempt to look up the answer on Google, but

I apologize - my question does look a bit like a lazy "please Google it for me" type of query. I did very honestly attempt to look up the answer on Google, but found the results quite confusing. It's probably my fault. However, I'm very grateful to the concise and comprehensible replies here on HN. I hope that perhaps they helped others as well.