To claim a magical five-star rating from Morningstar or to win a year-end bonus, a manager might ignore the tax implications of frequently trading stocks.
According to Goodwin, a customer's checking his bank balance is a great cross-selling lead (awaiting a year-end bonus, perhaps?), and cost-conscious banks that forward callers to outsourced operators may be missing the plot.
Insofar as I in the past had thought about the Valentine's Day formula, I had assumed most men treated it like a year-end performance bonus, which would mean that the better the relationship, the better the gift (however you define "better").