@MoiraGoggin X3 allows for building rules for about anything. Want to sell to a customer and provide them a Note Receivable payable in, say 18 months at 5% interest? Done! But done by consultants who have SQL scripting skill and the uniquely organized type of mind that programmers tend to have. X3 can do about anything through the tool set and without custom programming per se, but we won't see the traditional functional consultant doing those kinds of things.