Sorry please delete the above comment I pressed post comment by accident...as I said n00b. I had a problem with the custom link thing too. I found if as soon as you log on to JU the first page you click on is your account, the option will show up. Then it basically walks you through it....I hope that made sense!
Referrals is people who have done searches for certain things and your blog has shown up under the search. So google showed up because someone did a search on google, something in your article was relevant to that search, and they clicked on your blog, hence a referral.
You lose points because someone has trolled one of your comments. You lose two points for getting a troll, and you gain two points for getting an insightful. Depending on the level of blogger that trolled you.
I hope someone else answers these in amore effective manner. I'm sorry! I tried....