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An example of excessive cross linking :-
You have 5 sites with 5 pages each. You give a link to each and every page of the 5 sites from each of the site's page. (i.e. you have 25 links on each of the pages) This is just an example to give you an idea of the issue at stake.
And no it's not a dumb question , many of the senior fellows still have different ideas about this issue. :) HTH.