I put in very limited effort in returning cold calls. The contact is being initiated by the other party, the interest in the exchange is theirs, and the onus on

I put in very limited effort in returning cold calls. The contact is being initiated by the other party, the interest in the exchange is theirs, and the onus on making it work is theirs. Companies, including banks, don't call you to protect _your_ interests, they call you to protect themselves.