This infographic w/ the article sums it up: <a href="http://online.wsj.com/article/SB10000872396390444180004578018294057070544.html#project%3DWORKFAM0926%26articleTabs%3Dinteractive" rel="nofollow">http://online.wsj.com/article/SB1000087239639044418000457801...</a>