Ha, I totally hear you on the second one.  There are a number of situations where I&#x27;ve chosen to do something in-house rather than using one of these vendors, partially because I prefer to spend time managing the technical solution over (admittedly much less time :) ) handling the paperwork of one more vendor.<p>Of course, it&#x27;s also just my natural inclination.  My common response to problems is more along the lines of, &quot;I can write a script to do this,&quot; than, &quot;I bet there&#x27;s a SaaS for this.&quot;  That may well be inefficient, but it&#x27;s how I roll.