Miles Davis: 'Coltrane was a very greedy man. Bird was, too. He was a big hog'

Forty years have seen a thousand changes in his music, yet it all retains the spearing imprint of an extraordinarily particular trumpet sound. A modern sound, terse, fresh-minted, newly-spoken – it always sounds like it was made just now. Charlie Parker’s hesitant partner in Bird’s Savoy masterpieces from 1945; touchstone in the genesis of the Cool, four years later. Scuffler in and out of junk, then presiding maestro of the Great Quintet with Coltrane. Sketcher in Spain, and purveyor of various kinds of blue.

Color and Intent
My mortgage was recently purchased by Penny Mac. As such, I had to make a (somewhat delayed, but still on-time) payment and set up auto draft  bank information so I could keep the good credit score train rollin’. Oh, and keep my house. That’s important, too.
My previous mortgage was serviced by Franklin American Home Loans, which had an absolutely awful interface that included a very confusing off-loading to a third party payment processor that most likely ranks in the top-10 worst user experiences I’ve encountered this decade. (Seriously: they made you enter your loan number every month, as well as include your routing number and account number… and couldn’t store anything! It was also a clear jQuery UI interface job - yuck.)
I digress.
I wanted to pay the mortgage today, and saving you all the boring details, it boiled down to a simple two-step process:
Pick a payment date; enter bank account information
Confirm details/save changes
The screenshot above contains the call-to-action buttons I was presented with upon reaching step two of the process. 
Confusing, right?
Penny Mac is so hot for their branding, all of their interface elements are blue and yellow. Kind of like the IKEA of mortgages, only less useful (but still quite hard to assemble).
There is no visual hierarchy present, destructive actions are grouped closely to what I would consider to be a primary call-to-action (“Submit”), and the button label to confirm your payment is obtuse (“Submit” vs. “Make Payment” or “Schedule Payment”).
In all, it could be a lot better. But it could also be a helluva lot worse. Why make a customer giving you money unnecessarily difficult? High-res

Color and Intent

My mortgage was recently purchased by Penny Mac. As such, I had to make a (somewhat delayed, but still on-time) payment and set up auto draft  bank information so I could keep the good credit score train rollin’. Oh, and keep my house. That’s important, too.

My previous mortgage was serviced by Franklin American Home Loans, which had an absolutely awful interface that included a very confusing off-loading to a third party payment processor that most likely ranks in the top-10 worst user experiences I’ve encountered this decade. (Seriously: they made you enter your loan number every month, as well as include your routing number and account number… and couldn’t store anything! It was also a clear jQuery UI interface job - yuck.)

I digress.

I wanted to pay the mortgage today, and saving you all the boring details, it boiled down to a simple two-step process:

  1. Pick a payment date; enter bank account information
  2. Confirm details/save changes

The screenshot above contains the call-to-action buttons I was presented with upon reaching step two of the process. 

Confusing, right?

Penny Mac is so hot for their branding, all of their interface elements are blue and yellow. Kind of like the IKEA of mortgages, only less useful (but still quite hard to assemble).

There is no visual hierarchy present, destructive actions are grouped closely to what I would consider to be a primary call-to-action (“Submit”), and the button label to confirm your payment is obtuse (“Submit” vs. “Make Payment” or “Schedule Payment”).

In all, it could be a lot better. But it could also be a helluva lot worse. Why make a customer giving you money unnecessarily difficult?

Pretty wild cloud-to-ground lightning with constant rumbles of thunder. I love these high energy summer storms. My kids? Eh, not so much. #stlwx #stl High-res

Pretty wild cloud-to-ground lightning with constant rumbles of thunder. I love these high energy summer storms. My kids? Eh, not so much. #stlwx #stl