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which is why the guy above is so very, very wrong that these steps actually take five minutes, as opposed to just looking like they do :)

But you don't have that problem if you used a single competent coder.

a competent coder will not build a person's turd-trading platform in five-minute increments for $60 per 12.

No, but you can pay them to work for an hour making an ugly form attached to a database.