Great Mike !
I think "apply" must be a macro , the primitive being :
(eval (cons an-operator a-list))
ran next in Bigloo Scheme and it works the same as in Common Lisp and Newlisp
(eval (cons + (list 4 5 6))) ::: identical with (apply + (list 4 5 6))
in steps
(cons + (list 4 5 6))> (+ 4 5 6)
(eval .. ) forces the evaluation , making it the anti-thesis of ' (quote ...) which prohibits evaluation.
now the next step in Lisp is mapping .. (a picture shows more than 1000s words ->)
(map (lambda (x) (/ 1 x)) (list 1 2 3)) -> ( 1 1/2 1/3 )
with apply and map, you have two of the most powerful tools of Lisp

best Rob !!