I am confused between SPSite, SiteCollection, and SPWeb?
So my understanding is this pseudo code:
 http://My_server >>> TOP Level SIte or SPWEbApplication
 http://My_server/My_site >>>> Site Collection or SPSite
Now a site under SPSite that will be referenced through SPWeb. So what are we getting when using SPWeb.Webs? 
What is a Subsite?
Test code:
SPWeb mySite = SPContext.Current.Web;
SPWebCollection sites = mySite.Webs;
foreach (SPWeb subSite in sites)
{
    Response.Write(SPEncode.HtmlEncode(subSite.Title) + "<BR>");
}
