Does anyone have any experience that indicates what kind of performance hit a developer could expect by choosing to use an ORM (in Django, RoR, SQLAlechemy, etc) over SQL and hand-designed databases? I imagine there are complicating issues, including whether specifying a database within the constraints of an ORM increases or decreases the chances of creating an efficient database structure (based on the developer's level of experience), and the question of how well the developer constructs either the SQL or ORM-based queries (again based on his/her experience). Any information regarding these or intrinsic performance issues would be really interesting to me.
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