Important topic, but I think the writer could've explained things more clearly.<p>A 10 second google search found this, which I think does a much better job: <a href="http://www.usatoday.com/money/perfi/columnist/block/2003-07-14-ym_x.htm">http://www.usatoday.com/money/perfi/columnist/block/2003-07-14-ym_x.htm</a>