Cheers, thanks for the advice. Learning to program is definitely a barrier since much of the formulas I'm looking at using would require bit of power (makes me lean towards Python or Javascript - depending on end use).

I'm pretty leery about outsourcing. Back when I managed a web division, it always seemed that when we outsourced, things would go horribly wrong. I'll have to reach out to friends and find some good outsource recommendations.

Thanks for the advice!