Articulate and intelligent? I think people are hearing what they want to hear. I've read entire transcripts of his speeches and am not impressed. He is a master of manipulating the media, but he is very clearly not "intelligent" in any way we normally use the term. And he is in no way "articulate" -- He is the most poorly-spoken president I've heard speak (or whose transcripts I've read).

Also, I think Jimmy Carter could qualify as having been a businessman (and in the American way, not inheriting his wealth).