> bad ride by legions of consultants over the last ~2 decades For a long time the most important factor was a head count rather than quality. Financial institu

> bad ride by legions of consultants over the last ~2 decades For a long time the most important factor was a head count rather than quality. Financial institutions often used loopholes to ship workers from 3rd world countries and indirectly paid them their country of origin wages and small allowances. These workers would live in wholly rented hostels and replaced every 6 months (to avoid residency laws messing the tax implications).