I understand many here have been patiently waiting for me to get something up in this regard.
I believe the following presentation by Dr. Carl Walters pretty much addresses the vast majority of concerns & and questions I have seen posted here. The seminar is an hour long. It is well worth the watch.
Please, no questions or comments from any that have not watched this in it's entirety as the answers you seek will have largely been addressed within the video:
Any that wish a copy of the related power point presentation feel free to pm and I will send along (I simply do not know how to post that from an internal file).