A consumer gets out of bed, visits the bathroom, has breakfast and rushes to the car to leave for work.

They have a one hour lunch break in which they need to grab a sandwich at the local deli and visit the bank. Time is limited, but they believe they can accomplish these chores in an hour.

They leave work and drive to the bank, the normal ten-minute journey takes twenty minutes and then they cannot find a parking space. Having eventually parked the car they arrive at the bank. There are two tellers on duty and there are five people in each queue. They wait for at least ten minutes before they get to the teller, who shows little empathy to their problem and processes their transaction. They now decide to skip the deli and lunch and return to work in a slow line of traffic. Once back at work they have a miserable afternoon, before facing the traffic jam on the way home. A typical day in the life of a consumer? It could be your day.

The key in today