The Op has 4? posts and is asking a legit question. We really ought to give him a bit more background/links on this topic, or are we assuming he has been a lurker for years and already is up to date? I would attempt, but there are many here much more versed on this topic to help guide him/decide what he should do.
Reality check, that half the population is smarter then 50% of the people and it's a constantly contested fact.
