Discover Bank focuses almost entirely on call quality above banking and financial product knowledge and experience. For example, if you are an 18 year old blond with a bubbly happy voice, but no demonstrable financial experience or knowledge, you'll go far when it comes too your monthly call quality scores. But if your a retired banker or retirement consultant, with vast banking experience and knowledge, but you have a manly voice that does not sound like a bubbly valley girl, then they will give you low call quality scores and you'll be out of the company in short order. The customers I assisted always that I was very friendly and appreciated my banking and financial product knowledge, but this obviously didn't matter to Discover Bank's quality algorithms that required me to sound like a valley girl with a lolly pop in her mouth. Your loss Discover.