App requirements

Trying to understand something. I've always had an iPhone 3GS. Most of the apps I downloaded have "requirments/compatible with iPhone, iPod Touch, and iPad."  But, then that same app has another iPad app.
Example: Chase Mobile
I have the Chase Mobile iPhone app, but since it has iPad as listed compatible, that app syncs with my new iPad2. Then my question is what is the other Chase Mobile app?
Another question, in iTunes 10.7, Grid view, I have two sections:
iPhone, iPod touch, and iPad Apps
iPhone and iPod touch Apps
But, the second section also syncs to iPad with no problem.....

Apps can be optimized for the iPhone screen, optimized for the iPad screen, or dual encoded with both optimizations in a single app (so called universal apps).
An iPhone-only app will still work on an iPad, but it will default to a size identical to that as on the iPhone, and while it can be increased to twice those dimenisions, it will not do true full screen iPad resolution.
An iPad HD only app is simply not displayable on an iPhone screen.
A dual or universal app, will display optimally on either device, but will be a larger download and a larger installed binary file than an app optimized for only one specific device.
Sometimes the apps themselves are quite different too - the iPhone Bank of America app is quite different then the iPad HD version.

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