Are you lazy? Are your customers lazy?Do your customers prefer things to be done for them?Then why do you force your customer's through your own hoops?People don't want to "bank", they want their money managed.People don't want a mortgage, they want a homePeople don't want a car loan, they want a carAre you making your customers jump through hoops to work with you?Are you worried that talking to your customers will reveal how far off your products are from what they want?