regarding form submission and option pull down menu

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a few more questions about the submission process for a form with
option choices.

say I am using :

<form method="POST" action="$_SERVER['PHP_SELF']" class="application">
<select class="checkbox"
                        name="loan_process">
<option value="Purchase" 
                          selected="selected">Purchase</option>
                      <option 
                          value="construct_home">Construct Home</option>
                      <option
                          value="refinance_no_cash">Refinance - No Cash</option>
                      <option
                          value="refinance_cash_out">Refinance - Cash
Out</option>
</select>
</form>

is it better to use a name for value (the same as the selection
choice) or a number 1,2,3 etc? (or does it matter).

and for the return info what's the difference between:

<?php

if(isset($_POST["loan_process"]))
 echo $_POST["loan_process"];
?>

and without the isset?

thanks!






-- 
::Bruce::

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