Bill, no need to take offense (or did you? I'm unsure). Was certainly not meaning to suggest that your approach is elitist at all.
I think it's pretty clear you and I are on two separate paths with this one.
I want a "good enough" solution that's going to satiate the average consumer, that's easy to understand, and easy for them to plug in some values and spit out a figure at the end. Of course there's still a hundred and one variations and approximations and assumptions that have gone into that, and by no means am I suggesting that such should be ignored or left unexplored, but rather documented and made available for those who are interested to lead them towards the sort of stuff you're pursuing.
That's where we'd be leading into the sort of level that it appears to me that you want to operate at, and this really is necessary, but by the same token extremely involved and expensive.
If anything, I was just hoping that there could be some adequate degree of commonality between the two target criteria by agreeing at least upon the definition of "C".
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