@netmeg - Kudos for the quick reply. :) I completely understand what you're saying...I turned off IAB and my earnings went up...go figure. I'm definitely finding it tough to determine what relates to what these days. Lately, I've been wondering about how things work on the advertiser's side of the equation...are they fully understanding the changes that keep happening in AdWords?
(Just so you know, I wasn't trying to be confrontational with my previous post.)