Usually those who speak in complex terms or technical speak wish to make themselves appear more credible. Do you trust those who speak in complex terms or technical speak? A few ETers are often speaking in this manner with their complex theories, but never post an account statement. Personally, I dont care if you can write out Pi to the 100th digit. The question is can you turn a dime? I would hire an uneducated NYC garbage man if he could turn a dime for me. Thats all that counts.