Retrovirus 101
Wish I could totally understand all of it...
DNA is the double helix with the C, G, T and As. Each chromosome contains a long strand of DNA. There are 46 chromosomes, 23 from Mom and 23 from Dad. A segment of DNA that codes for a protein is called a gene. Each chromosome's long strand of DNA has many coding regions (genes). For a cell to make a protein it temporarily breaks open the double helix and copies the data in one gene onto RNA. RNA is very similar to DNA. One major difference is that it is only one strand where DNA has two strands making a double helix. The RNA that contains the information for a gene/protein is called messenger RNA, or mRNA. The mRNA is sent to the protein making factory. Don't worry right now how that works. The main point is that DNA is copied to RNA and the RNA is sent off to make proteins.
A virus is a tiny ball. The ball is made out of protein and inside the ball is either DNA or RNA. The ball attaches to a cell and injects the DNA or RNA into the cell. A DNA virus injects DNA and the host cell starts making copies (DNA to RNA). The RNA is sent to the protein making factory. The proteins assemble into a new virus which goes out to infect other cells.
An RNA virus injects RNA into the cell. A retrovirus is an RNA virus that also injects enzymes with the RNA. The enzymes copy the RNA into DNA and insert the DNA into a nearby chromosome (belonging to the host, you and me). So now our chromosome has a new set of genes that code for proteins that make a virus, wonderful. When you get infected this way it is called an exogenous retro virus.
Normally you won't pass on exogenous retro viruses to your offspring. It would have to infect a gamete (egg or sperm) that would later become offspring that would survive with the virus. Occasionally though a virus does infect a gamete and gets turned off and then gets sent to offspring. So your baby would be born with the virus already in his/her genome but hopefully the genes would be turned off. When you get the virus in this manner it is called an endogenous retro virus (ERV).
Each retrovirus may only have 10 to 20 genes. It appears that an ancestor about 6 million years ago passed on the HERV-K18 virus to us all, so we are all born with these genes but they are turned off. Turned off means that no proteins are being built from the information in these genes. One of the HERV-K18 genes, named env, gets turned on by some other infection. We start making the env proteins and these proteins are superantigens, which means our immune system works hard to get rid of all of them.
Two candidates for turning on the env gene are EBV and XMRV. There are possibly many ways for the gene to get turned on.
I am not a microbiologist. I learned this stuff by watching courses from The Teaching Company. One course in particular helped me with this. It is called Biology: The Science of Life.
http://www.teach12.com/ttcx/CourseDescLong2.aspx?cid=1500
They have 70% off sales all the time so don't pay $700 for this course. Ask them when it will be on sale.
If I have made any mistakes then hopefully someone will correct me. I like knowing what is going on inside of me.