X Cursors

[Brett I. Holcomb]

I'm running xfce4 and wanted to change the cursors in the xterm windows. 
  I have green on black background (yes, I miss my greenscreen terminals 
<G>) and the pointer is a black arrow pointing up to the left side.  Of 
course this is hard to see in my terminal window.

I've checked various man pages and jeeves and found I can do xsetroot to 
change pointers but I have some questions

1.  man xsetroot says there is a list of default - where do I find this 
list?

2.  Where do I make the changes permanent?  Do I just change the 
/etc/X11/app-defaults/XTerm file.

3.  I notice xfce uses a X as a pointer.  Where is that changed in xfce?

Thanks.