Complexica does not custom-make software applications for each customer, as this approach would be too prohibitive from a cost, time, and risk perspective. Based on almost a decade of research and development, Larry, the Digital Analyst and the Decision Cloud platform are software products with pre-existing algorithms, models, workflows, user interfaces, functions & features, integrations, and security controls. Hence, from this perspective, Complexica's software applications can be categorised as enterprise-grade, commercial-off-the-shelf (COTS) products. That said, our experience is that most COTS products are unable to handle many customer-specific requirements such as complex business rules set in time-changing data environments, non-linear relationships, and non-standard business processes and workflows, among others. For this reason, the Decision Cloud platform allows for a customer-specific layer to be added on top of the COTS product which caters for unique requirements without compromising the base product (or the ability to upgrade to future versions and releases). Hence, Complexica's Decision Cloud platform combines the best of both worlds by leveraging the cost and time efficiencies of a COTS product, and the flexibility of being able to handle unique requirements within the customer-specific layer.