The point is only CRTs have refresh rates. If you see ghosting of the cursor with an LCD, then it has to be its response time. The Dell 20" LCD has about a 16ms response time. If that's even accurate, it's equivalent to about a 62.5Hz CRT refresh rate, when it comes to moving objects. As for 100Hz LCD TVs, it just means they are capable of displaying 100 frames per second. That requires a sufficently fast response time (at least 10 ms).