General One v multitasking confused...

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http://androidforums.com – Coming from an iPod touch (closest thing to a smartphone I've ever had) I just got my one v and have a few questions. I'm a bit confused on multitasking, I tap the right most button and I get several vertical files, are these the background apps that are currently running? I've noticed that when I hold and "remove from list" sometimes that particular app still runs. I also am wondering if I ever have to close and app by using the built it task manager, is this even necessary? Finally is there a way to "disable" or turn off apps that came bundled with virgin? Such as gair o (General)