Considering the startup's constraints and the nature of the task, evaluate the two primary architectural philosophies for building this system: 1) A single, unified model that jointly learns to both generate and solve the financial sub-problems, and 2) A modular system using two distinct, specialized models—one for generating the sub-problems and another for solving them. Which approach would you recommend, and why? Justify your decision by weighing the potential benefits and drawbacks of each approach in this specific context.