Lest you think I'm a complete curmudgeon, I think it's important to point out that I reward good service when I find it.  A month ago, I started the paperwork for a bank loan and got an email from the banker asking for more documents.  I wrote back the same day and then never heard anything.  I wrote back three more times in the last month and still didn't hear anything.  I called her boss and found out that the banker was on vacation for part of the time, but still didn't get an answer.  Yesterday, I reached the banker's assistant.  In an hour, she called me back with answers to all questions.  I immediately wrote her a thank you note and sent a note to her boss' boss, praising her work and strongly recommending she be considered for promotion.