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[Smartie]

I've always asked for the top of the range and it has seemed to work.
The client has a budget and the agency will get their margin. There's a chance that if you go in low, the agency will simply take more of a margin.
Anyway, psychologically, expensive things are generally perceived to be...

[Smartie]

This is incorrect.

Agile was introduced (building on earlier iterative development methodologies such as Spiral) to address the issue with building a large, detailed specification before a lengthy development period. This resulted in the product failing to meet current business requirements...

[Smartie]

This is the case.

Private medical insurance can get you treated and most importantly diagnosed very quickly, compared to the NHS.
Income protection isn't an alternative unless you'll spend the income that presumable you need already on paying privately for medical care - something...

[Smartie]

It's about risk.

When you have e.g. your main insurance book on a 1950's/60's system, the risk of moving it to a modern system and it failing is usually unacceptable.

Unfortunately, this usually means that layers of more modern systems have been added since then. Any changes...