jimbeetle - 10:25 pm on Jun 5, 2012 (gmt 0)

Which many small business owners won't and can't do, either because they don't have the technical background, or because they are busy, you know, running their businesses.

Yeah, agree. But this is a search-oriented, tech-oriented forum and if we can't expect more here, where?

suspect that you are incorrect in this case

Well, with the example you gave I was quite correct. Now, with the explanation, I can see there is more to it.

At one Matt Cutts referred to Penquin as an over-optimization penalty

Yes, did you see the disclaimer in my post?