Main Bearing Clearance

This I agree with, but it would equal a .002" difference in the OD of the crank journal and the ID of the bearing. So is that how it works? Or do you need a difference of .004" to get a clearance of .002"?
how do u figure that w/ the crank laying in the bearings w/ no oil, the block upside down on an engine stand ? the crank will have no clearance against the top bearing, which is actually down . w/ the cap torqued on, the clearance will be in the top, or cap, think about it ! if you take a coffee can laying on its side, and put a tennis ball in it, is there clearance on the bottom of the can or the top ??