Calm down Flypuppy
I did read your post. I was pointing out that you were quoting for more hour building than really required (which becomes fun flying, all very well but beyond the scope of this query) - it is easy to achieve for less than £10,000 in the UK - and for either an expensive IR or an IR with extra training. You were then adding contingency on top of this. This makes no sense - either you should quote a minimum figure and suggest a contingency or quote a real-world range of figures, which of course includes the natural variation in costs.