I think developers often make mistakes on 4 and 5. I know we don't give enough feedback on our site right now, and many times it isn't noticeable enough.<p>Then number 6 happens almost every time I call on any of my accounts and it is really annoying. Over the phone punch in your whole account number and phone number, then the second you have a representative they immediately ask for your phone number and account number... Which I just gave the system 30 seconds ago. That has annoyed me for years.<p>I don't think all of these are huge problems all the time, but some reasonable good points are made.