"We'd love to innovate, but we can't afford to." It's one of the most common things we hear — from small business owners, from charity leaders, from managers inside big organisations whose budget was signed off eighteen months ago and hasn't moved since. The assumption underneath it is that innovation is expensive. That it needs a lab, a dedicated team, a consultant's day rate and a line item nobody wants to defend at the next board meeting. So it gets postponed to a better year. A year that,...