Please Help A Dumb Newbee

Hi,
I just completed a layout with an inner and outer loop, using 4 Bachmann EZ
Track turnouts. Two turnouts, both on the outer loop, work OK in both
directions with the switch box supplied with the turnouts. The two on the
inner loop only work in one direction. The switch boxes are OK; the problem
follows the turnouts.
My questions:
Does the problem have anything to do with the inner loop? The loco runs fine
on both loops.
Do I have two defective turnouts?
What on earth are they talking about "Polarizing of the frog"? I just do not
understand it. Let me quote
from the little piece of paper wrapped around one of the cables. "Polarizing
of the frog. The turnouts are not polarized when delivered to avoid short
circuits. If necessary (eg. Running a small locomotive), you can plug the
connector to the turnout to polarize it. Warning! The turnout setting must
always be correct for the direction from which the turnout is entered to
avoid short circuits." I'm not a stupid person, but what does all that
mean?
Thanks in advance for any enlightenment.
John