All of this makes my brain hurt. Can anyone boil this down to a few sentences, and explain it like we know nothing about investing?

I don't have time to go get an MBA in finance before this decision is required, nor do I want to. All of these typical APC "I'm right and you're stupid" rabbit hole debates on this topic aren't helpful for those of us trying to figure out what it means.

If only the union put out an easy to read guide.

Maybe we can get Home Depot guy to do a video. He seems to know a lot about RNAV approaches and stump grinders.