Thanks, Tom.  Yes, that does help explain the situation.

I really appreciate the additional insights, but I still don't understand a basic issue:

Wouldn't 40 MB of changes on a 20 MB database imply that the database is essentially being...

It seems to be 'standard practice to have the log file and the data file at the same magnitude.  I tried to set up my database with 10% log file...

Thanks, Noel.  I'll ask my ISP about this.  They take care of nightly backup, so they would know, I hope, if they have it set to index automatically as well.

They...