Simple solutions to all of these that ultimately land on the desk of leadership: >> employee turnover, lack of consistent skills across the software sector, ne

Simple solutions to all of these that ultimately land on the desk of leadership: >> employee turnover, lack of consistent skills across the software sector, negligence at any level, incompetence - even if not malicious, tired engineers Pay better, give raises that keep up with the market, and train your people. Basic stuff. >> ancient software systems that would be impossible to replace in any reason time etc. Second best time to start is now. Ancient software systems with tons of legacy cruft and obsolete tech aren't going to get any better. All this costs money, which is the real problem. If there's a market wide failure, as there seems to be in credit reporting, then serious consequences for cheating out on this stuff to undercut your competitors at the cost of security seems fully justified.