mrtree,
I've acted on your suggestion; I just ordered the Study Guide (by the way, for anyone else who needs it, you can order it from illinoisarborist.org for $65.96 + shipping).
I see how my questions would make it seem that I'm completely clueless. Certainly I have much to learn, but the reason for my questions is that I want to stray as far from being a hack arborist as possible. I don't want to have my saw idling in the pickup when someone asks me what is wrong with their tree. And I'd rather sound stupid here than anywhere. (Notwithstanding all that, thanks to everyone for your candor, concern for my safety, and willingness to contribute to the success of others.)
When it does come time to remove a tree, I take safety very seriously; I simply view saving the tree and saving myself as two distinct issues (although, I'm beginning to understand that I must keep both issues at the fore of my mind, as pointed out earlier, since I am not the only one whose safety might be jeapordized by a failing tree).
Again, thank you.