Read the fine print.
Nobody reads the account agreement until something goes wrong, and by then the deadline in it may have already passed. An hour now is cheaper.
The busiest month is the easiest one to fool.
December brings more bills to pay and fewer people at their desks to check them. The schemes that turn up this time of year are counting on exactly that.
Ten minutes is not too long to wait.
Real partners can wait ten minutes for a call-back. The requests that can't wait are the ones most worth checking, including the ones that sound like the boss.