I write for a smaller magazine that's not as prestigious as the Wall St. Journal, but let me put my professional journalist's hat on as I congratulate Zach for coming up with an excellent question and as I offer an even bigger congratulations for doing more than just wondering about it.

(and I'll tip the cap to Jane Costello of the WSJ too, both for seeing the potential in the story and for crediting Zach with the initial idea)