Recently I heard a radio commercial by a well-known travel service. In the ad a neighbor asks the man in the family if he is moving when he sees him get in a large flatbed truck with a tow truck on the back. No, the man replies, they are just going on a vacation and his wife is afraid of breakdowns so they are bringing their own tow truck along. Then the neighbor asks whom the uniformed man is standing near the truck. The man says that he is Bill, the security guard, who they are taking along to guard their money. Then the neighbor starts to tell them about the travel service and how both of these needs will be met just by joining it. They will have a toll-free number to call for help if they have a breakdown, free travelers’ checks and they can even get free maps. With that the man gets …