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If you spend more than 20k on a software implementation before it can be shipped, you have been doing it wrong regardless, I think.

Many years ago one of my team leads said: "if we cannot do it in 3 sprints, we cannot do it". Which roughly translates to "1 week" of API expenditure now; not including refinement.

PWC = Price Waterhouse Cunts?

Yeah or fill in your own. It's a placeholder.