This is a good discussion both at the detail and summary level.
As we pursue it I would like to prod, pursue, embrace, welcome, etc others to suggest their own versions of how you'd respond to the question. Don's post 5 is a good example but I am sure everyone has their own preferred way to express the issue simply. It would be helpful to everyone if we come up with as many variations as possible. That will help us see more clearly which versions are most persuasive.