The local Heartland representitve who is "close to the customer"at stock sales yards would most probably disagree with you.
Marac has traded most successfully from very modest premises for years.
Heartland will be where, and avaliable where every, and however their customers want them.
If they give the customer what they want, Heartland will get what they want.Some things like great service don't change.
I see the presentation I am going to on Thursday night as further proof of Heartland keeping close to both investors and depositors.