Dude...go relax. He presented his question politely; there's no reason for rude behavior. Let's treat people having legitimate questions and concerns with respect.
Thank you. I just want the information itself to be clear and correct on both sides. I don't blame anyone for not understanding exactly how everything works.
So you DO have a vested interest in the other side.
The devil is in the detail

I don't have any financial interest in it. But I help out with some things where I can for fun.
Also, regarding my original post. We don't have to get in to the whole 10% thing as it's really just a personal preference and it's just my opinion that it adds value. In general there are still a lot of steps in that process that are centralised at the start, and I don't think there is a 'right' answer either way.