SandB0x

It's a big deal for the many affected people

I think you mean: "Has relevant industry knowledge

Well that too

This is simply insolvency, not fractional reserve.

> oftentimes I'm rewriting existing chunks of code to incorporate the new features because I chose a certain structure that no longer makes sense.

You're doing it right.

> the client usually doesn't know what comes next until they need it.

Do you know what comes next? If not then designing for requirements that may not exist is likely to take your code in the wrong direction.

The original comment was completely unacceptable.

Stock price dropping over 8% today is one metric.

It seems unlikely that someone would even be tested after being hit by a truck, or that a doctor would choose to list it as a cause of death.

Do you really expect to hire a good developer with experience for £28k in London?