Organizations are made of teams. That sounds super obvious, but it means that any change request is going to go to a team (or teams).
From the outside, it looks like a corporation has effectively unlimited resources; on the inside, any particular team has very limited resources. The team may have just been downsized, lost a lead, been reorganized, etc.
0: Better than I currently can, not better than Patrick.
Funny quote:
> That retail user is extremely unsophisticated about the bank account, finance in general, and frequently many other things in life.