Dealing with upset customers can be difficult and frustrating. But it's important to have a plan, especially given that it s much more difficult to attract a new customer than it is to retain an existing one. So what do you do when a customer is heated? First, stay calm. Listen carefully to your customers' complaints without interrupting. Then acknowledge the problem with empathy and respect. Finally, let them know what you can do by bringing all of their options to the table.

Sep 2013 0.02%	Aug 2013 0.04%	Sep 2012 0.1%
The 3-Month Treasury Bill is the rate managed by the Federal Reserve through the Fed Funds Rate as the base price of borrowing money in the short-term. It is used in determining the yield spread, which predicts the likelihood of a recession one year forward. The posted rate is the monthly average for the listed month. Rates are released with a 1-2 month reporting delay. [