you would think they would contract with a decent size software firm. I wouldn't want an in house development team writing stuff like that. I would want insurance if something went wrong. most CIOs are insurance agents. They protect themselves from software failures by getting the big boys on the job. If IBM screws it up, they say "IBM is the best, that is all I could do."
"When you fail, you can grow exponentially. When you succeed you
tend to grow incrementally."
Getting rid of the ball and chain, stock by stock.