The cost of acquiring a new customer is five times that of maintaining an existing one, and loyal customers account for a disproportionate share of overall sales, said Mr. Budner.
Do club owners take the opinions of their loyal supporters into account more now than they did in Stein's time?
They soon discovered that even the most loyal had "sandbox" accounts which they used to play with at rival online firms, and that those accounts were growing.
As one of the largest banking concerns in New England, the company has a large base of loyal depositors whose accounts are backed for up to $100,000 by the Federal Deposit Insurance Corporation.
"I've witnessed a loyal customer closing her account, all 150,000 euros of it, putting it in her handbag, and walking out the branch," the banker said.
Iraqi Christians number about 800,000, about 3percentt of the population; Chaldeans, who are loyal to the Vatican, account for 500,000 to 700,000.
You can improve your record by making sure you are on the electoral roll and staying loyal to your current account provider.
Though he seems like the smart-aleck towel-snapper you avoided in gym class, he is, by Mr. Damon's account, "charismatic, loyal, a fantastic storyteller and a great friend who can laugh even when things go terribly, terribly wrong".
"Many of us are loyal to our current account provider, even if they offer us nothing in return for our fidelity," says Charlotte Nelson at financial data website Moneyfacts.
