[jws]

And how will I know when the "frog boiling" phase begins?

You don't screw the customer while wooing, show some patience!

But I agree on the people. I'm big on using the people in the bank. I find it usually takes longer, but is less frustrating. They also can do many things I can't, like notarize stuff (no fee), or wire money to Indonesian interests of Singaporean firms with Swiss bank accounts.