Ads you hate

I don't watch enough TV to know what's on right now, but my nomination for the worst commercials on radio are the "Paramount Equity Mortgage" spots featuring "Hayes Barnyard" or some such. Dude has a voice that reeks of sleazy, like your stereotypical 70/80's coke dealer. Apparently Hayes thinks refinancing is such a good idea that he'll even pay to have my home appraised. But when I hear his voice I'm thinking "Yeah, and I'll bet you'll even let me use your mirror after closing." From a business perspective, they should really get someone else to do their ads. From a reality perspective though, it seems appropriate as serial refinancing seems to the cocaine of this consumer age.