I just had a call from HSBC bank offering protection services, yadda yadda yadda... I'm 90% certain that it wasn't a human being I was talking to, but it took almost 2 minutes before I was that sure. I'm amazed at how far the technology has come. I called microsoft's xbox site for tech support the other day (ring of death) and could very easily tell that the phone system was automated, almost to the point of being annoying. But this HSBC call... the only reason I suspect it wasn't a human is because the guy was too cheerful. But, it responded correctly to everything I said, even when I interupted it.