>Thank you Cetin & Tore. This was exactly what I needed to know. I wanted to get this cloudy/nebulous concept resolved somewhat in my mind as I prepare to learn how to work with backend databases and this helps me a ton.

You're welcome. I don't use MSSQL myself, I only use VFP tables. But in order to prepare myself for the transition, which will be forced on me sooner or later, I now only use SQL commands to manipulate tables. I am careful to only use Scan/endscan, Locate for.. and similar commands on cursors. This means that when I must change to a "real" SQL server, I will only have to add a few lines of codes to get it working.