@Trellaine:
Thanks. So complicated. I wil try and read it over and over to understand. I have no idea what some of those words mean.
It is complicated, but the most important point to understand is that it is necessary to share as well as take in order to be allowed to continue to download torrents.
Your ratio is a measure of how much data you upload (share with others) compared to how much data you download (take from others). The more data you download, the higher that ratio must be. At this point, up until you have downloaded 100 GB of data, you are required to keep your ratio over 0.45. Your current ratio is just over that.
When you make a financial contribution, you get credit for uploading data to improve your ratio.
You can also buy credit for uploading data using your SeedBonus points.