Their primary concern is what's best for me, and they only give me the advice that would benefit me the most. They never have that typical, annoying music playing here. If they do play music it is soothing and appropriate for the setting. I am always so impressed with how quickly my calls are answered here. I am never put on hold for a long time and love knowing that if I have a quick question I won't have to wait a half hour through terrible music to get it answered.