[Your Nightmare]

I'm gonna take your word for it over the research of dozens of published experts

Dozens? Want to provide a list?

And it doesn't take a PhD in economics to do simple math. You can do simple multiplication, can't you?

[Principled]

Dozens? Want to provide a list?

Been there, done that lots of times. You simply ignore the sources and call them dumb. LOL

You can do simple multiplication, can't you?

Yes. More than simple AMOF. Lewislynn can't though.

How 'bout .23x1=.23 or 23%