Super Bowl, Take 4: Be Nice.

SoFi is a financial institution that produced a terrific-looking spot called “Great Rates for Great People.”  They then spent that spot — and $5 million — pointing out a lot of people they don’t think are great.  Most of whom look like me and you.  So instead of making the point they wanted to make — presumably that they reward good credit scores with great rates — they basically said they don’t like most people and don’t want to do business with them.  Which is why they finished below puppymonkeybaby in USA Today’s Ad Meter.  Be nice.

Click here to see the USA Today Ad Meter, in case you’re curious.