COBOL vs. Java for SecureFirst's balance inquiry - **0.8ms vs. 14ms** — p99 latency, COBOL vs. Java for the same service - **60-70%** of rehost projects underestimate total cost by 2-3x (Gartner/Forrester) - **$152.3M vs. $212M** — FBA's 5-year TCO for Refactor vs. Replatform