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This paper proposes a product development methodology (PDM) for complex systems evolving within the current economic climate of the United States, as well as the unstable state of world affairs envisioned throughout the decade. The PDM facilitates the development of systems that are multipurpose, flexible, highly mobile, and incorporate maximum bang for the buck. Ironically, the unstable nature of the development environment within the defense community parallels the one encountered by the commercial sector over the last 20 years. Successful companies have responded by adopting a product development methodology that adapts to ever changing market demands and the concern for near term returns (profit). The PDM exploits lessons learned from the commercial market analogy to establish a flexible, low risk, cost effective approach for technological progress. The approach suits systems development, especially those involving complex mission critical computer systems. Examination of the commercial product development process reveals a strategy that can achieve the procurement flexibility needed by DoD. This strategy concentrates on leveraging the state-of-the-art in a cost effective manner. The strategy also addresses risk management.