Forgive my stupidity, but I am trying to understand a few things about the increased prices of gas....

Question 1- Do we buy our Oil already refined from foreign countries?, and if we do, do we pay a premium price for it?

Question 2- Do U.S. refineries refine oil for our use only?, or do we export some of it?, and if we do, what are the percentages?.

Question 3- Have their been any investigating into who are the major stock holders of U.S. refineries, and U.S. owned oil fields?

I guess what i'm getting at is, Foreign oil producers are telling us that they are producing enough oil to meet our demands, and the media is telling us that oil speculation is driving up the costs, along with the lack of refineries,
(are both of these things true?, or am I compareing apples and oranges?

SOMEONE TELL ME WHO IS MAKING ALL THE MONEY?