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i think it depends on how big the job is. i'm solo so i'll never take on a huge job that needs all these formulas and such. i just take it job to job and it's easy to figure out for me. if you are a big company doing a huge job paying other employees and such then yeah some big formula and all is needed i guess. that's another reason i stay solo. i don't get the big jobs but i don't care. i like to keep things simple and easy.
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