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(1). Something “the business” needs that’s going to be difficult (read: expensive) to code.
“Yeah, we may need to include that requirement in a later release. It’s a bit of a heavy lift for the team and might impact the project timeline.”
(1). The absolute minimum you need to do to not get in trouble with the Feds.
“This sounds like it’s going to cost a lot of money to get this done. What’s our baseline suitability obligation here? Do we really need to have a system that works THAT good?”