Its Mike again, thank you very much for the great rating and tremendous bonus - its so very much appreciated.
So the term "drag the shutter" basically means using a setting so that you can use a longer shutter speed. So for example, you set the ISO(the sensitivity to light) a little lower, and the aperture(the lens opening), smaller[which would be a larger number]
but use a longer shutter speed so you get the same appropriate exposure. This may mean shooting OUT of Auto mode, because the camera automatically sets ISO high in dark situations. ISO, while it enables crisp quick shuttered pictures, means some grainy look in the dark.
The "fine" comment, I mean by setting the the images to fine as opposed to "normal" or "low", more detailed where the other settings wouldn't otherwise be as sharp. It would make no sense, trying to maximize a photo after the shot was taken, if it wasn't maximized in camera. Also I personally like to shoot as large as possible file size(easy menu setting) so that IF i have to resize a portion of the image, its still nice and sharp.
Does that make more sense?