OK, being mainly into O gauge, I'm used to AC power. I can put my track together pretty much any which way and things work fine. However, I got an HO set for my daughter at Christmas and from what I've read, DC power is a different animal as far as track layouts go. I guess I can't do a reversing loop without insulating some track because it will cause a short? Will a figure 8 with a 90 degree crossing do the same thing? Any other oddities I should know about when working with DC powered layouts? Your help is much appreciated.