This document summarizes a research study comparing test-driven development (TDD) to traditional ad-hoc development approaches. The study divided developers into two teams - one using TDD and one using ad-hoc methods. The TDD team produced code with significantly fewer defects across all phases of development and maintenance. Specifically, the TDD approach resulted in 10 defects per thousand lines of code compared to 50 defects using ad-hoc methods. As a result, the TDD approach was found to reduce overall development and maintenance costs by decreasing the number of defects that need to be fixed.