Hey, I resent that statement. Oh no, wait a minute. No I don't, I find myself thinking the same thing every day. Maybe 1/3 of our reps are idiots the rest are split between people who just are less informed but genuinely want to help. And computer geeks like myself, who end up giving a training lesson on every cigarette break. (Or correcting main bank agents where they swear they are correct...... man they can be dense sometimes.)