I have looked at many posts and have a general idea of what this is about.

I am experienced at editing high-tech magazine articles for some large circulation publications, I know what it takes to make things understandable to most people, and I am having difficulty getting a workable understanding of this.

Is there anyone I could converse with by email or phone and get my questions answered?

One question I have is this:

Is it correct that the "income" tax is an excise tax on the use of FRN's?