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Desktop assessments: Horse or automobile?

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 reading. Other classics include: "The Americans have need of the telephone, but we do not. We have plenty of messenger boys.” Sir William Preece, Chief Engineer, British Post Office, 1878. "Television won't last. It's a

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