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I would bet most of your jobs won't be time and materials where you will be charging an hourly mark-up to your customers..or are you just trying to figure that out as it relates to the labor portion of your estimating formula(s)?

I had almost a decade experience when I went on my own and I'm glad I didn't have employees for the first couple years or I would have gone broke! I sucked at estimating. I think having a partner in it will be a big help though. Nice to have two brains working on problems sometimes.
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