Insuranceshortfall.com's James Scott Brown, explores the doubt (and enthusiasm) surrounding desktop-based rebuild cost assessments… When Henry Ford's lawyer approached the Michigan Savings Bank for finance to support his investment in the manufacture of cars back in 1903, he was told: "The horse is here to stay, but the automobile is only a novelty, a fad." History is littered with such statements of doubt and with the benefit of hindsight many of them make for quite amusing