A friend told me this story.
A direct marketing company carried out a pilot to test the impact of different types of messages sent by mail, and followed up by a telephone call.
Their finding: The message that confuses the customer gives the best response. They decided to adopt that message.
This is why you get a thick prospectus, when you buy a structured product. It is very confusing to the public, but they still decided to buy the product (even though they do not understand how it works).
Lesson: Do not buy any product that you do not understand. Go for the simple products. It is safer.
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