A Cummins representative stated that not using prototypes becomes a matter of pay me now or pay me later, meaning that it is far less costly to demonstrate a product's design early in development with prototypes, concepts, and analyses than to incur the cost of significant design changes after a product has entered production-a much more costly environment to make changes.
Someone from Cummins said that product design demonstration costs less with prototypes.
Saving for the nation's retirement cost is completely different from saving for a single persons retirement preparation.