I have three questions in regards to the Merrill Lynch PMD Program that hopefully a few of you could shed some light on. I have been lurking these boards for a little bit and have read some very insightful posts (most notably the 500 Day War, which everyone loves.)My three questions are as follows:1. This might sound like a stupid question, but I was wondering if anyone could give insight as to what type of financial services you are supposed to advertise/market as a PMD? (besides investments of course)2. For those of you who are actively participating in the PMD Program, how does a typical cold call pan out and what is the conversation like? What type of things do you say to these people, and how do you sell them on the ML services?3. I have been interviewing for a PMD position and will possibly be put on an experienced team as well. How much of an impact or advantage does it give you to be able to sell the names of the advisors who are on your team? Does being on a team help as much as people say it does?Thanks!