You may wonder how my initial cost estimates were so far off, so here are a few examples to illustrate. - I estimated around $5,000 for demo.

A single example illustrates the essence of the problem: One study tested a "tapper and listeners" game: They asked a person to tap out the rhythm of a song and have another recognize it - the listener nearly always failed to identify the song.

This is the exactly the point I was trying to illustrate in my first post on this thread, lol.

Whenever users complain to us about our work product, we used to joke with them "if you don't like it, go and get yourselves QuickBooks".Most of the SAP work we done involves creating custom templates like the ones you illustrated, but not with all the customization features such as custom colors, logos etc.

Plus they also write blog posts to illustrate their investing style.At the end of the day, you aren't convincing people to invest in MF, by the time they get to you they most likely have already made that choice.

@Ben Einspahr What a great illustration of the power of leverage when used wisely. 

I went off on a tangent of my goals, but I felt it best to illustrate where I came from to where I want to go and because of these podcasts that I listen to almost daily, I feel ecstatic about getting there even though I feel alone in this in my home.

@Jay Hinrichs Maybe your story is illustrative of one of the differences. 

[the utility rate I show was for illustration purposes only]Good luck...its a minefield out there.

Chris,Here is an example which may better illustrate why UBIT is necessary and fair:Two coffee shops on opposite corners of the street.