A disclaimer, and that is that I am much more of a banker than a techie. I'll be explaining this in layman's terms, but that is mostly because those are the only terms I have for it. I work at a software company, but the only code I've ever written was a couple of very buggy macros for Excel. So instead of the techie angle, I am tackling this issue from the business perspective, which is generally where bankers are coming from.
