Maybe. It could be true. But, in the interest of folks who just want a summary with an opportunity to dig in deeper, this piece would have benefited from the ad

Maybe. It could be true. But, in the interest of folks who just want a summary with an opportunity to dig in deeper, this piece would have benefited from the addition of a worked example in the text; simply as an explanation and a teaser. I spend enough time with spreadsheets.