David el Gnomo: "PS - I never read what experts say on the web".

RE: Well, with that attitude you can safely read what I have written because I never call myself "expert" - not even when misfortunately supposed to be something of the kind...:-)

D el G:" Who did you say wrote that article?"

RE:I didn't,but IF you read it you will probably soon find out - it is not written by some expert anyway so you're safe...:-)
There are some simplifications there for you to ponder about anyhow.