Hi Steve:

I would boost the volume of the "intro" music a notch or two. Your commercial's message was straight-forward and clear. (Not a product or service I care for but understand many folks don't manage money well.) If time is important, you could drop the "Ya'll come back now" phrase since it really doesn't add much to the message, belittles "Southerners" and is totally over-used in today's music biz. (I won't be calling the P.C. Police, LOL!)

Good job. (You asked for honest opinions!)

----Dave