Ouch 🙂 I think it's more like 5-6% now.
There are some options for cross-platform desktop apps, though I'm not a big expert on that. The barrier to entry on web development is pretty low, since XHTML and CSS are so common knowledge these days, and something like your flashcard idea could be done with minimal backend programming. You'd need a database of some sort though. As a start, you could develop locally on your Mac using the built-in Apache, and then install MySQL (be careful about securing that) for a database to fool around with. I'm not a big PHP fan, but it might be a relatively simple language for you to start with, and would be easy to get running on your Mac locally to play with. Personally, I'd go with Java, but depending on your learning style you'll either find Java easier for being well organized as an object oriented language, or more complicated because there are more rules working with OO languages....
Do you have any past exposure to programming? Or to web development? I've self-taught myself almost everything I know, but I've been toying with programming my whole life, and I do it for a living now. So I'm used to sitting down with something brand new and figuring it out, but I have the benefit of doing that a lot over time. The true first time is definitely harder when you have no basis for comparison....