Just so I'm clear:
1. You pay the resources listed on the card (including extra if you don't have enough loyalty icons in play) as if you were playing the card face-up, even though you're playing it face-down as a Development?
2. You can play any type of card (unit, support, tactic, quest) as a Development?
3. If a card's cost is 0 (like Empire's Demoralize, or an "X" cost card, or some quests), then you get the Development for free?