Now that you know the rules, here are some questions you may be asking.

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Some of you may be asking: Just what is Early Decision (ED) and how does it work?

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You may be asking: is the collapse of Lehman Brothers really connected to this latest UBS fiasco?

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So why, you may be asking, would the IRS propose such a regulation?

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You may be asking how this differs from contracts.

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But what about PvP, you may be asking.

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But in case you were wondering if the upshot of all of this is a Disneyesque house of harmony where pet and baby frolic and snuggle in happy unison, you may be asking too much.

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You need to be asking the questions that your clients may ask you.

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For example, you may know that Mom or Dad is not safe to be driving any longer, but you are fearful of asking or telling your parent to give it up.

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"When your patient says they don't feel so good, you might want to think about asking what other issues may be going on, " she said.

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But the next time you see him on TV, he may just be playing himself and asking for your vote.

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If you are not asking the right questions to the right audience, you may not be getting the true answers.

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And be careful with any site asking you to install a program, no matter how beneficial it may seem - if it seems too good to be free, there might be something phishy about it.

BBC: Q&A: Phishing for your precious data