3.16 What certificates do I need with I use SSL?

my first attempt at a basic description of the certs involvede

docs/FAQ

-Updated: August 10, 2004 (http://curl.haxx.se/docs/faq.html)
+Updated: August 12, 2004 (http://curl.haxx.se/docs/faq.html)
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@@ -41,6 +41,7 @@ FAQ
   3.13 Why does my single/double quotes fail?
   3.14 Does curl support javascript or pac (automated proxy config)?
   3.15 Can I do recursive fetches with curl?
+  3.16 What certificates do I need with I use SSL?
 
  4. Running Problems
   4.1 Problems connecting to SSL servers.
@@ -462,6 +463,34 @@ FAQ
   curlmirror perl script), and you can write programs based on libcurl to do
   it, but the command line tool curl itself cannot.
 
+  3.16 What certificates do I need with I use SSL?
+
+  There are three different kinds of "certificates" to keep track of when we
+  talk about using SSL-based protocols (HTTPS or FTPS) using curl or libcurl.
+
+  - Client certificate. The server you communicate may require that you can
+    provide this in order to prove that you actually are who you claim to be.
+    If the server doesn't require this, you don't need a client certificate.
+
+  - Server certificate. The server you communicate with has a server
+    certificate. You can and should verify this certficate to make sure that
+    you are truly talking to the real server and not a server impersonating
+    it. The server certificate verifaction process is made by using a
+    Certificate Authority certificate ("CA cert") that was used to sign the
+    server certificate. Server certificate verification is enabled by default
+    in curl and libcurl and is often the reason for problems as explained in
+    FAQ entry 4.12 and the SSLCERTS document
+    (http://curl.haxx.se/docs/sslcerts.html). Server certificates that are
+    "self-signed" or otherwise signed by a CA that you do not have a CA cert
+    for, cannot be verified. If the verification during a connect fails, you
+    are refused access. You then need to explicitly disable the verification
+    to connect to the server.
+
+  - Certificate Authority certificate ("CA cert"). You often have several CA
+    certs in a CA cert bundle that can be used to verify a server certificate
+    that was signed by one of the authorities in the bundle. curl comes with a
+    default CA cert bundle. You can override the default.
+
 
 4. Running Problems