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
ANOTHER VOTE FOR BOOST IN VOLUME IN MUSIC....This time on intro. This is what I needed to hear guys...BTW...I appreciiate the honesty...3rd person who hasn't liked the "Ya'll come back now ya here line"....Gonna totally edit it out and go straight to the WEB ADDRESS....and end with the Arranger acoustic guitar.