There are many threads covering this area. Use a SEARCH feature in forums (up there) and search for topics with that issue mentioned before. I'm sure you'll get tens of results. This way, it's very hard to help to users, becuase there is no way to follow all those threads... this just brings more confusion. We are trying to solve this problem in one thread (already started), and that thread has more than 20 replies, so it would be very very difficult to answer all those question all over again in this thread... and in next one, and in next one that someone most likely will post without using SEARCH feature first, and so on and so on...
Thanks !