There's an article in the latest reptiles magazine written by the president of ZooMed (which credits him as "keeping and breeding reptiles for 36 years and the co-owner of California Zoological Supply) which explains all the different lighting...
One part in particular was very interesting..
(Quoted from Reptiles Magazine, January 2004, Page 29)
"Why can't we just give our reptiles the vitamin D3 that they need and skip the whole UVB thing? Well, unfortunately, activeD3, is quite dangerous (it is the main ingredient in several rat poisons) and shouldn't be administered by the average reptile keeper. Veterinarians need to take several measurements and calcuate a dosage for a specific animal, and even then there is a possibility for overdose. UVB from a quality lamp allows a reptile to synthesize the small amounts that it needs, just like it would in nature, without the danger of overdosing. This is called "endogenous synthesis." UVB lighting, therefore, is the safest and most effective way to ensure that a captive reptile can properly metabolize calcium."
Note that it said the vet needs to take measurements for a specific animal (not a species as a whole). How can somebody at home know how much D3 to give each of their beardies? How does somebody at home know what measurements need to be taken, or have the knowledge, ability & resources to actually take those measurements, and then know exactly how much supplemental D3 (if any) their animal requires?
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Axe
The Reptile Rooms

