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We are extremely interested in Concur Budget however we do not have an overall budget system. This means that we have to manually load or bulk load the budgets into the tool. Due to the size of our company it maybe close to imppossible to bulk enter budgets at a low level. We are intersted if companies push self service for the creation of budgets- ie manager or cost center owners to build their own budget in the tool, a global team loads all budgets, or a hybrid model when using the tool.