SALES SCRIPTS, BULLETS, AND THE ONE-TWO PUNCH 187 Due Diligence for the Vigilant The vigilant investor: ? Finds out where a broker learned how to sell and avoids those who learned it from a firm with a reputation for customer abuse ? Studies a broker's CRD for frequent job changes and avoids those who apparently can't follow the rules ? Objects to brokers' recommendations to gauge whether the broker is giving scripted responses ? Steers clear of any broker who uses high-pressure tactics like creating a sense of urgency ? ? ? ? Avoids a margin account if he is retired or nearing retirement Hangs up on a broker who tries the one-two punch Avoids any broker who won't disclose her commission immediately Considers the commission when assessing the broker's advice on an investment investor ever eats ? Knows that a ``free lunch'' might be the most expensive meal that an American Managememt Association · www.amanet.org