Why do they make us ring a call centre where the staff might as well be on the other side of the world and sometimes are?
The other view is that is is largely a cosmetic change - which reflects on the general low regard people now have for the banking sector, but does not make a big difference to the ring-fence, for good or ill.
Entertaining ads don't always make the cash register ring, a Madison Avenue paradox that is easily forgotten in the battle for eyeballs and creative awards.
The point is that the UK banks' downgrade is an inevitable consequence of government policy to reduce the likelihood that they would be bailed out in a crisis - of which the most conspicuous manifestation has been the Vickers' commission recommendations to put retail banks behind a ring fence and make creditors to banks explicitly liable to losses.
But even if they are shopping less often, they do have to shop: a situation that could make the registers ring for online retailers.
To make a gadget called the Can Pump N' Pour, a circular hard plastic ring with a rubber cover that keeps the fizz in opened soda cans, Davison engineers went through 30 different versions with its own moldmaking machines before getting the shape right.
Advanced optical and mechanical designs are optimized to keep the lens compact, while maintaining a physical aperture ring so that users can make fluid adjustments.
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Moreover, new welterweight king Cory Spinks and the wild-talking Ricardo Mayorga look likely to share a ring again in 2004 - a prospect to make the mouth water.
Employees must share tax forms, birth certificates and marriage licenses to make auditors happy. (One frustrated employee sent an auditor a wedding ring to prove he was married.) As many as 15% of dependents can be bounced because the employee is divorced or because minors, including stepchildren, nephews and nieces, are 18 or older and not full-time students.
Those high margins are protected, of course, by a ring of defensive regulations, Bar Association rules and deeply ingrained habits that make it hard for an investor-controlled business to crack the legal profession.
If he can combine the confidence he shows in the ring with a likeable personality out of it, then he will hope to make his name over here.
The matador leads a cuadrilla (team) of other fighters who make up the rest of the colourful band in the ring.
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In fact, his view is that the thrust of the ring-fencing reform is to make it easier for banks to be dismantled, or resolved, in a crisis, with the costs heaped on shareholders and creditors rather than taxpayers.
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