A document that has not arrived by the filing deadline has three possible answers, and the one most people pick is usually the most expensive of the three.
The line between storm damage and an old roof is where most residential property claims are actually decided, and it is decided on paper rather than on the roof.
A customer collecting three quotes cannot judge the work. They can only judge the documents, which means the document is doing more selling than the price.
The four year degree is treated as the safe option and the thing you do if you are unsure. It is a large commitment and it deserves to be chosen rather than defaulted into.
The offer refused in month two is often better than the outcome reached in month fourteen, once you count what the intervening year actually took out of you.