> On the +12 volts side, I have the minus side of the capacitor
> going toward ground.  On the -12 volts side, I have the plus
> side of the capacitor going to ground, since ground in this case
> is more positive than the -12 volts.
> 
> But I worry that I may not be understanding something here

No, the way you have them is right. Horrible when you start
second-guessing yourself eh ?

Informative guide to electrolytics (170kB)

http://electrochem.cwru.edu/ed/encycl/misc/c04-appguide.pdf

Also covers back-to-back electrolytics to make non-polars

> Lord knows I don't need any capacitors exploding in the 
> bedroom !

I think I'm all smutted-out for the year so I'll let that one go by ;-)

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