The document compares planning models for enterprise application development and commercial software application development. It finds that commercial internal development takes 1/4 the time (77% faster) and is 74% lower in cost compared to enterprise outsourced development. Outsourced development can be optimized to take 1/3 the time (61% faster) and have 47% lower costs. Requirements planning for commercial applications development uses pre-validated product requirements and gathers feedback throughout the year, while enterprise development often has limited time and availability of stakeholders.