You're not crazy, there are still just positive and negative terminals. That said, some speakers allow for bi-wiring or biamping, and therefore have 4 terminals with bridges in case you just use one amp or one set of cables. "5-Way" binding posts refer to a binding post on a component that can accept a connection in 5 ways (though, I can only think of 4). Those would be Spade, Banana, Pin, or Bare Wire. Most components now use these types of binding posts. I've attached a picture of a typical binding post and connectors.