I have just spent an eye-wateringly long time on the phone in a futile attempt to speak with an advisor. Over 60 minutes of insipid and depressing ‘music’ and robotic announcements. Time for some corporate accountability! Among my recommendations: Give customers (we who PAY your salaries) the opportunity to opt out of the ‘music.’ Cut some unnecessary middle management positions, cut executive pay and ‘bonuses,’ and channel the savings into hiring more live advisors. The current situation is simply unacceptable. We don't want 'apologies.' Successful businesses do not excel in excuses or apologies; they excel in RESULTS.