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It's all 3 to be honest but mainly for OB's it's incompetence. As an OB you take on the "builder role" and many OB's don't. That means that my partner is doing work which is above an beyond his role as a chippy. Unfort for him he has had to put on the builders hat in many instances in order for...

Craig I really felt for you. Our golden rule though is to never build for customers. My partner has some brillaint mentors and builder friends who have in the past and it has ruined them. We also on the chippy side of things don't do work for owner builders either, not worth the...