These threads from mrkurt a few months ago seem relevant here - https://news.ycombinator.com/item?id=32955520 https://news.ycombinator.com/item?id=32955520 If

These threads from mrkurt a few months ago seem relevant here - https://news.ycombinator.com/item?id=32955520 https://news.ycombinator.com/item?id=32955520 If they are a multiplier for a whole portfolio, there's not much reason for any particular branch to purchase them. (This post seems like some evidence they might actually be building the wrong thing, though.)