The Smile Enhancer
The credit card business has changed for the worse. The days of 8.99% fixed APRs and infinitesimal finance charges have gone. Realizing too late that the masses do not understand the concept of 'credit', the pushers of plastic nirvana have tightened their pockets.
To educate the public about the new play rules, LMB decides to employ the smiley face and draw a comparison of purchasing power to a crack habit. When the credit score is poor, the smiley face is a grimace of withdrawal agony and anxiety; when the credit rating is excellent, the smiley face becomes bug-eyed in anticipation of the next hit. The intermediate stages of addiction are left as an exercise to the viewer.