Diamonds are a spammer's best friend
Let's start with an innocuous one... the diamond that sometimes appears when you sign-off from Yahoo.
What does a huge, red diamond have to do with mortgages and bills? If you had bad credit, would you be desperate enough to click on a diamond? Also note: The states are arranged in simple alphabetical order, showing no creativity or spontaneity in the ad's creation.
LowerMyBills (henceforth abbreviated LMB) probably used a bored teenager who had a Macromedia license to crank this one out.