-> When people think of "programs" they tend to think of Word Perfect,
-> Excel, or Corel Draw. But the majority of software never appears on a
-> store shelf. Most of it is written either in-house or contracted out
-> to a consultant, who writes a very specific, vertical application
-> tailored to one company's requirements. Engineers, researchers, and
-> accountants often write their own programs,

Thanks for mentioning that point. Until you specifically called it out,
it had slipped momentarily from my mind.
Sheila
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