Well, I wish they were my words - but I'm too much of a slobbering gusher. So here's Dick Stroud's simple, concise Theory of Everything (The UK version, at least). He wraps it up pretty well.
Also download Dick's two new articles in PDF:
The Charmed Generation Becomes Generation Broke
Digital Marketing for The Charmed Generation
Make sure you (at the very least) check out the second one. Dick's web site design and navigation commandments should be carved in ethereal stone.
For another Theory of Everything from New Zealand, read this article.