@Jules AtonWe have started marketing to our guests as it is cheaper to keep a customer than to find a new one.

At the national level, it's the best of the worst in that industry - a lot left to be desired in the customer service department but still better than doing it on your own.

All interest rates and payment plans are custom made to work for both parties therefor creating a win win scenario.As far as partnering with the banks goes.

Customer service is always great when they have something to sell, I am sure you know this. 

Leaving stuff unresolved, with anything, especially divorce, is an energy vampire that is always hungry. 

I was unfortunately denied as of yesterday, but she said it's because I am a new customer for Key.

I've had some not happy when I have asked them to split it out.I've tried asking questions to the IRS customer service reps, and didn't have the best luck.While I cannot cite a specific official guidance on this issue, I consider debit cards exempt.

It’s entertaining to them sure but it solves nothing as there’s always 2 sides to the story the customer and the business.

Quote from @Nate Sanow: Yes I own two that are near 100 years old and I will tell you they are a pain in the you know what compared to all of my post WW2 properties especially post 1980… layouts are better in the last 50 years and energy efficiency is better and I can keep going… HOWEVER to reply to the other aspect of your question, I’ve found appreciation is better with older properties in areas of the path of progress.

Energy Efficiency ImprovementsInstalling energy-efficient windows, doors, insulation, and HVAC systems can appeal to modern buyers who want to reduce utility bills.