Dave, your questions reminded me of the first time I was opening a bank account, at the times when salaries were paid in cash and having your day-to-day money (as opposed to savings) in the bank was rather rare.

I walked into a bank and shocked the clerk by asking this simple question: "I want to open an account, can you convince me to do it in YOUR bank?"

They would all stutter something about how convenient it was to have a bank account, what I can do with it, but could not get past my, "Yes, I know all that, but the same applies in the bank accross the street. How can you persuade me to open my account HERE?"

They couldn't.