Thank you everyone,

Another friend who is a bit more knowledgeable seems to understand it on a basic level, but he is equally puzzled.  He feels this issue is above all of our heads, based on the responses.

I have presented the information I have, and I'm sorry it is confusing to some.  It is confusing to me, so maybe I am not explaining it in layman's terms.

I may have to take this challenge in another direction.

I hope you all have great success.