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There is a definite need for a balance between Clicks and Code - but where is the line? As with most complex problems, the answer is - it depends. 

Declarative Options

When you have a very good understanding of a business problem to solve, it can be a great idea to build out that solution using declarative tools so you can refine the scope to give to the developer. You will most likely find that there are complexities that you had not thought through. After doing this process, you may keep the declarative customisations or use this as the basis of a scope for coding the solution to solidify it in the org. 

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