Please don't post summary comments like this. I know they're well-intentioned, but they're not in the spirit of this site. HN threads are supposed to be curious conversations. Also, we want people to respond to the article, not to a summary.
Links to past explanations in case helpful:
https://news.ycombinator.com/item?id=39572941
https://news.ycombinator.com/item?id=39529403
https://news.ycombinator.com/item?id=39504137