I hope you take your time unpacking the points I have made, and do your very best to prove me wrong on any or all of them. Nothing will more convince you of something than not being able to disprove it, and if you can disprove it I might be able to quit being wrong and become right about it.

If you have any questions I will do my best to clarify anything you find poorly stated, or provide evidence that has convinced me of these things. The disagreement of honest folks is valuable because it enables honest discussion, and that enables honest folks to learn things they didn't know, which is more valuable - at least to me - than money.