This question is a terrific mess. The question itself seems to me clearly off-topic due to being a snippet and the OP graciously agreed in the comments; but in the meantime it has attracted answers of wildly varying quality - some that are effectively wrong, and some that are thoughtful and accurate. The answers and question are not out-of-sync, but the question needs editing to be on-topic and such edits probably would bring it out-of-sync. The best answer has now been accepted, but that doesn't really resolve these issues.
What do we do with the question, and what do we do with its answers?