Peter,
You're right, I wasn't clear and wasn't really responding directly to Tom's post. I agree with what you and Tom say about it not making any difference which cell is shaded in the string, and I wasn't trying to reply to that (even if that's what I wrote !). I seem to have read more into the story/posts than was there because of my experiences, but didn't let you in on what was in my head.
My point was (and maybe you can set me straight if I don't understand it), that, according to what I understand of the theory, if one cell is completely shaded, then it should have a current near zero, giving the whole string (probably either the whole panel, or 1/2 the panel if it's a big one) a current near zero. I've seen this quoted by solar experts, including at Home Power magazine. However, in my experience, and from the first post, it doesn't seem to be the case, and the current just reduces in approximate proportion to the area shaded.
Presumably, the voltage reduces, too, but since I don't have a MPPT solar controller and didn't measure it, I couldn't tell.
Dave