Hourly pay rewards presence, salary rewards availability, and paying by the job rewards speed. Owners writing rules to correct behavior are usually correcting their own incentive.
Most families use all four and rarely decide the proportions on purpose. The order they are drawn on changes the total cost of the degree considerably.
Somebody collecting three quotes cannot assess the work itself. They can only assess the paperwork, which means the document is doing more selling than the price.
The decision is usually made weeks before the conversation happens. What separates a clean parting from a lasting problem is entirely what was prepared beforehand.
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
Retention money usually gets spent on whichever lever is easiest to pull. The options differ enormously in how long the effect lasts and what it actually costs.