Important topic, but I think the writer could've explained things more clearly. A 10 second google search found this, which I think does a much better job: htt

Important topic, but I think the writer could've explained things more clearly. A 10 second google search found this, which I think does a much better job: 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