My thanks to you both for your top answers.
As a theoretical question, assuming I now differentiate between architectural/code smells (something I had not really thought about before) to my stakeholders (whom we will say are a risk adverse bunch), how do you think would be a good way to approach us paying off some of the technical debt?
Granted this is probably moving away from the scope and intent of the book, but I would like to know your opinions/thoughts on how best to approach this. It seems silly to me that there are companies/ decision makers out there that would freak out if you told them the rent payment was late, but don't seem to care at all about technical debt.
Thanks again for your detailed answers, very much appreciated