its so smart how these firms advertise using the voice of some lady or guy with an English accent,trying to sound sophisticated. its ridiculous. who actually buys into that bs. i noticed alot of firms have woman with English accents answering their phones or at reception desks. c'mon,time to start something new! ot the best is when they play all that sophisticated classical music,thats another gimmick. they should have a commercial where a guy in some cheap suit is trying to sell some poor bastard mrtgage backed securities.