

If coordinating with service providers is hard for a firm, I would argue the cost effective answer isn’t “let’s do all this in house”. Many big finance firms fall in this trap of thinking it’s cheaper to build v buy, and that’s how you get everyone building their own worse versions of everything. Whether your firm is good at the markets or kitchens or travel bookings, thinking you can efficiently in-source tech is a huge fallacy.
Kids, when thrown into a new language environment, will learn it reasonably well in short order and can become perfectly fluent in a year, give or take. It really isn’t such a big deal. Mind you, these aren’t kids from halfway across the continent, they are kids born and raised in Estonia so it’s not like they’re starting from scratch.