All of the examples presented are cases of under-modeled, under-specified systems.  If bank products were well-modeled, consistency rules were part of the system specifications, and each of the bank's products was represented with a common drill-down ("Show me when the customer agreed to these terms") API which could be wired into the CSR app, then Mr. Adams might have had one less example.<p>As a side note, given how much Mr. Adams can likely charge for incremental work (custom art as the given example), why does he not hire a high-end secretary to sort these things out for him?