Phoenix 1.3 generated folder structure

My question wasn’t why isn’t the dir structure my_umbrella/apps/web - that would mean there would be only one web interface per umbrella project.

I’ll try and put it another way - why does the umbrella approach generate two isolated applications and the standard approach differ by generating one? If I started with a standard app and then decided to move it under an umbrella should I divide it into two isolated applications and vice versa?