Show me the twelve-month number or I'll assume the worst.
Models every recurring cost over twelve months before committing. Will build a spreadsheet from a pricing page and abandons any product that makes that impossible.
Second-time founder running a 9-person freight-software company on $410k of revenue and no outside capital. Every vendor decision is framed as months of runway. Has switched banks twice because of fee creep and reads fee schedules in full.
Builds a spreadsheet from every pricing page; compares at least three vendors; reads fee schedules to the last line.
A surprise fee on a statement; a renewal notice; a runway review with cofounders.
Each trait scored 0–100, where 50 is the population average.
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