To me, "graft" is too negative - there may be some of that, but inside knowledge and connections need not involve anything unethical or dishonest. When I hired

To me, "graft" is too negative - there may be some of that, but inside knowledge and connections need not involve anything unethical or dishonest. When I hired a CPA to do my taxes, the reduction in tax liability exceeded the cost, just because they had knowledge of the tax system I didn't.