Issue #15, April 2009

“Experienced direct mail marketers know that the average reader scans a letter for
just five seconds before deciding whether to read it or throw it away.”
— Robert W. Bly, direct mail copywriter and author


WHAT'S WORTH READING?


Your financial institution sent them an important letter, but most customers didn't read it.

Why not?

Most likely it was missing the important visual cues people look for before deciding whether or not to read a letter…even an important letter from you.

Honestly, how many of the letters you receive in your daily mail can you say you've read from top to bottom?

If you're like most of us – very few!

Then why are we so certain that most of our customers and prospects will read the letters we send them?

What's at stake here are all the letters you send customers and prospects – not just promotional letters selling a new checking or savings account…or an equity line of credit.

By employing the "trade secrets" used by direct response copywriters and graphic designers, you can dramatically improve the number of customers and prospects who read every word of the important letters your bank or credit union sends them.

Your customers and prospects need your help to determine what's worth reading.

Before continuing on, look right to the sidebar and spend five seconds scanning the front and back of the Allstate letter and five seconds scanning both pages of the Geico letter. Based on what you see, would you read either or both letters? If so, why?

THE NEED FOR MENTAL SHORTCUTS

When you open a personalized envelope from a family member or friend, it's almost guaranteed that you'll immediately read the hand-written or typed letter inside from top to bottom.

Consequently, these letters don't require mental shortcuts or hot spots to first grab your attention.

But all the letters your bank or credit union sends its customers and prospects are different.

Customers and prospects know before opening the envelope that the letter inside is almost certainly selling something…or delivering bad news like an overdraft fee or change in terms.

So you need to incorporate hot spots, including visual elements, to grab their attention to convince them to read your letter.

Why?

Because the three-second rule presented in the February and March issues of the newsletter also applies to whether or not customers and prospects read your letters. Fortunately, as the introductory quote indicates, copywriting expert Robert Bly believes it to be a five-second rule for letters.

According to direct mail veteran Mal Decker, your letter must be quickly scannable – enabling your prospect to determine, in a few seconds, whether or not to read the letter in more detail.

According to Decker, for your letter to be quickly scannable, it requires a "strongly integrated skeleton." Components of his skeleton are:

1. An eyebrow – better known as the Johnson Box

2. A strong opening or lead paragraph

3. Cross heads – also known as subheads

4. The wrap-up – which is the closing paragraph that includes a restatement of the offer and the call-to-action

5. The P.S.

What immediately comes to mind reading Decker's list of skeleton components is Professor Robert Cialdini's mental shortcuts consumers use to make quick decisions.

Expanding on Decker's five skeletal parts, veteran direct mail copywriter Pat Friesen identifies 12 letter hot spots:

1. Letterhead or masthead (containing the company name and logo)

2. Johnson Box

3. Salutation (personalized or generic)

4. First sentence or paragraph

5. Last paragraph

6. Signature

7. Title with signature

8. P.S. and P.P.S.

9. Copy indented from both sides or underlined

10. Copy in bullet form, second color, or boldface type

11. Indented sub headlines

12. Anything added in handwriting (margin notes, etc.)

Missing from Friesen's extensive list is another favorite hot spot, the involvement device. Allstate makes excellent use of an involvement device which is covered below.

On his website, freelance direct response copywriter Dean Rieck comments on letter hot spots. "Prospects scan for relevancy. The hot spots people scan include headlines, subheads, picture captions, signature, postscript [P.S.], and the acceptance statement on your response device. People are not particularly savvy about direct mail, but they know where to go to get the scoop on your offer. And if they don't see something that interests them, your mail goes into the trash."

According to Shirley Lichti, marketing expert and founding partner of Marketing Magic, "Probably the two most important hot spots on a letter are the Johnson Box or headline and the P.S. just below the signature. Both try to create interest and convince people to read the entire letter. Since consumers know they will find the most important information point of the letter repeated in the postscript, many save time by going directly to this spot."

Freelance copywriter Robert W. Bly writes, "Know the 'hot spots' of your direct mail package – the places that get the most readership. Those include: the first paragraphs of the letter, its subheads, its last paragraph, and the postscript (80% of readers look at the P.S.)."

By now you may be asking yourself, given that most people read a letter from top to bottom, do they scan for hot spots in the same order?

This brings up the issue of an initial hot spot scanning order.

ORDER OF SCANNING

Some quick research yields conflicting information as to a consistent order for scanning a letter's hot spots.

According to Michael Masterson in his book, Michael Masterson's Accelerated Program For Six-Figure Copywriting, "You see, in an ideal world, your prospect would sit down with your letter and read it from beginning to end. But that's not what usually happens. What usually happens is that she glances at your headline [Johnson Box copy] and turns to the end of your letter to see what it's really about. This is when she comes across your P.S."

One list found on an Internet website provides the following order, which coincidently is the same as that provided by ACTON Marketing's senior copywriter:

1. P.S.

2. Johnson Box

3. Subheads

4. Bolded or color copy

Other direct mail experts claim that the opening of the letter – the first sentence or two – has the highest readership rate. They determine whether or not your prospect continues reading.

We'll give the last word to direct mail entrepreneur and expert copywriter Joe Sugarman. In his 2007 book, The Adweek Copywriting Handbook, Sugarman writes, "All the elements in an advertisement [letter] are primarily designed to do one thing and one thing only: get you to read the first sentence of the copy."

On that comment, all direct mail experts agree.

Bottom line when it comes to an order of scanning: The order isn't as important as the presence of a sufficient number of hot spots or mental shortcuts. Their purpose is to help ensure your customer or prospect takes the additional time to read as much of your letter as possible and say "yes."

The remainder of this month's newsletter will cover the five most basic hot spots with a sixth thrown in as a bonus thanks to the Allstate letter.


This is the front side of a two-page letter promoting auto insurance received from the Allstate insurance company on February 19, 2009. Scanning carefully you'll note a number of excellent hot spots. From top to bottom, they consist of the Johnson Box, the "Instant Access Savings Card," the initial call to action under the personalization block, the bold, blue subhead above the salutation, the personalized salutation, an excellent opening paragraph, and three bold, blue subheads.


This is the back side or second page of the Allstate letter. From top to bottom, the hot spots consist of three bold, blue subheads, the signature block, and the all-important P.S. Note the absence of a block of small type legal disclosure copy at the bottom of the page.


This is the front side of a two-page letter promoting auto insurance received from Geico on January 21, 2009. Scanning carefully you'll note the following hot spots: The money visual, the personalized salutation, a weak opening paragraph, and three chunks of copy highlighted in blue. Compared to the front side of the Allstate letter, the front of the Geico letter is lacking in visual hot spots that help determine whether or not prospects will take the time to read the entire letter.


This is the back side or second page of the Geico letter. From top to bottom, the hot spots consist of three small chunks of body copy highlighted in blue, the signature block, and an excellent P.S. surrounded by a wavy blue border. While the four blocks of disclosure copy at the bottom of the page qualify as a hot spot, this hot spot creates a negative impression in the prospect's mind. It begs the question, "What are they hiding in all this very small type?"

THE JOHNSON BOX

The Johnson Box resides at the top of the letter, above the salutation. Its goal is to "grab" your prospect's or customer's attention immediately. It usually contains your headline or other important copy.

It's an excellent location to present your offer!

Much to the delight of prospects, the Allstate letter's Johnson Box in the upper right corner promises "Average Annual Savings $353.00" in big, bold letters and numbers. As a letter recipient, in today's economy you might be tempted to read on to learn more about saving money on your car insurance.

There was no Johnson Box to help Geico prospects.

In the upper right corner of the Geico letter, recipients were treated to a visual of KASH – Geico's latest advertising gimmick. Viewing this pile of money with eyeballs on top hardly provides an incentive to read the letter.

And Johnson Boxes aren't just for promotional marketing letters. They can, and should, be used on letters sent to customers advising them of everything from an overdraft to a change in terms.

If you want them to read your letters, you must give them some mental shortcuts or reasons why they should take the time to do so. The Johnson Box is an excellent place to start.


History of the Johnson Box
The Johnson Box was created and first used by pioneer copywriter Frank H. Johnson. He began his career in New York City at Time, Inc., in 1934. Johnson died March 6, 2001, in Manhattan at age 88. He left behind a legacy that will be around as long as there are direct mail marketing letters.

THE SALUTATION

Most letter recipients take a quick look for the salutation to ensure the letter is directed to them. And most importantly, they want to make sure their name is spelled correctly.

While 99.99% of consumers know it's a sales letter, they still want to see it addressed to them. A letter without a formal salutation screams "form letter."

And since, in most instances, you don't know your customers and prospects personally, your salutation should include both a first and last name.

But be careful of gender titles like Mr., Ms., and Mrs. Is Sean a man or woman?

I quickly noticed that Geico took the safe route while Allstate addressed me as Mr.

Why take chances on making errors in the salutation?

 

THE OPENING PARAGRAPH

Often the opening paragraph is just one or two sentences long.

The opening paragraph is where inexperienced marketers, direct mailers, and copywriters make their biggest error. They start their letter with fluff copy.

Some examples of first sentence fluff copy:

"The Holiday season has officially arrived." A bank letter promoting its Visa debit card.

"The faster you earn, the faster you can redeem." A bank letter promoting its MasterCard card.

"By now you're probably wondering, 'What is that thing?" THE GEICO LETTER

Robert W. Bly comments on the opening sentence and paragraph: "Experienced direct mail marketers know that the average reader scans a letter for just five seconds before deciding whether to read it or throw it away. If your opening doesn't hook the reader within five seconds, you've lost the prospect. Therefore, it pays to put your strongest sales argument right up front. Don't 'warm up' with chitchat or secondary sales arguments. Don't hold back the most important point for the 'big finish.'"

Joe Sugarman devotes an entire chapter of his book to the first sentence. Sugarman's advice for the first sentence is to "make it short." In fact, he believes in short sentences and describes his typical copy: "Each sentence is so short and easy to read that your reader starts to read your copy almost as if being sucked into it."

What is the purpose of the first sentence? According to Sugarman, it's to get you to read the second sentence. And the purpose of the second sentence is to get you to read the third sentence, and on and on.

Here are three examples of engaging first sentences:

"Just 10 seconds in the morning for a LIFETIME of good health!"

"With an Orange Savings Account from ING DIRECT, you'll earn more with a 4.10% annual percentage yield."

"We encourage you to call the toll-free number above to find out how much you can save." THE ALLSTATE LETTER

Remember – your opening sentence is critical to ensuring your customer or prospect continues reading.


"The typical prospect reads for five seconds before he decides whether to continue reading or throw your mailing in the trash. Your letter must grab his attention immediately."

   Leo Bott, Jr., Chicago-based mail order copywriter

SUBHEADS

Subheads make your copier easier to read by breaking down your copy into smaller, more easily digested chunks of information. They help draw the reader's attention to your copy.

Plus, by scanning them they allow your reader to get the gist of your letter quickly and with less reading effort.

Subheads can be used to state benefits.

Reading the subheads in order can sometimes make your sale.

THE P.S.

Hands down, the P.S. is the most talked-about hot spot in any direct mail letter. Every direct mail expert agrees that every letter should include a P.S.

Yet, it's amazing how often you'll come across a marketing letter without a P.S. This is a sure giveaway that the writer isn't an experienced direct response copywriter.

According to direct mail legend "Rocket Ray" Jutkins, "You must have a P.S. in the letter. Why? Because 4 out of every 5 people who open your direct mail will read the P.S. before they read your letter! Four out of five!"

Research consistently shows that most people read the P.S. before they read any other part of your sales letter. For some recipients, it is the only thing they read.

According to copywriter and direct mail consultant George Duncan, "The P.S. commands the highest readership in the letter."

You can use your P.S. to repeat your offer, repeat a key benefit, repeat your call to action in slightly different words, introduce a surprise benefit, convey urgency, offer a special bonus or free gift related to what you are selling.

Masterson recommends when writing your P.S. you shouldn't simply restate your offer as it will be void of any attempt at emotional selling. He recommends putting "passion" into your P.S.

While both the Geico and Allstate letters included a four-line P.S., the creative team on the Geico letter went a giant step further and increased its visibility by surrounding it with a wavy blue border and highlighting the website address and toll-free number in blue ink.

The last word on the P.S. goes to ACTON Marketing's senior copywriter. "Of course, studies show the P.S. is one of the most-read parts of the letter. People decide if they'll read the full letter after seeing if the P.S. entices them to commit the time needed. I hate seeing letters without a P.S. That's a rookie mistake. Those who don't end a letter effectively think a P.S. is about something you forgot to say. That's true in a letter to Mom. In a sales letter, it's one of the three places where you state your offer. While not accurate 100% of the time, you typically don’t introduce a completely new idea in the P.S."

So always include a P.S. in any letter you send your customers and prospects.

 

THE BONUS – AN INVOLVEMENT DEVICE

Appearing in the upper left corner of the letter, the Allstate involvement device consists of a faux plastic card titled "Instant Access Savings Card."

The role of an involvement device is best summarized by direct mail consultant and agency owner Lee Marc Stein: "Just as we want to involve the prospect's mind with strong copy, we want to get the prospect's body – especially his/her hands – involved."

In the case of Allstate, involvement means removing the card for use later when calling Allstate for a free quote.

In addition to serving as a hot spot or mental shortcut during the initial scanning process, Allstate's tipped-on card also involves the prospect in three additional ways:

First, the card's code number visible through the second, odd-shaped window helps persuade the prospect to open the outer envelope.

Second, it creates a "lumpy envelope" feel, providing yet another reason why the prospect should open the envelope to see what's inside.

Third, the card is tipped-on and contains the important toll-free number so it can be easily removed and used later to make the call for a free money-saving quote.

Direct mail expert Jay M. Jaffe offers his insight in the use of plastic cards in insurance mailings. Appearing in the book 2,239 Tested Secrets for Direct Marketing Success, Jaffe comments, “Insurance offers with plastic cards usually are economically justifiable. Plastic cards cost money to add, but this is offset by higher response rates. Why? Who knows? And who cares?”

While not considered mandatory like the five hot spots covered above, an involvement device like Allstate's card definitely attracts the prospect's eye and helps her determine whether or not to read the entire letter.


Allstate's faux plastic card is tipped-on in the upper left corner of the letter. Known by direct mail experts as an involvement device, it measures 3 3/8" X 2 1/8." It's called an involvement device because it can be removed by the prospect and used later to make the toll-free call for a cost-savings rate quote. Such cards are almost always credit card size to fit in a prospect's wallet. This card also serves as a hot spot in that it quickly catches the eye of a scanning prospect trying to determine whether or not to read the entire letter.

AND THE WINNER IS?

Based on the effective use of direct mail hot spots presented above (remember the role of Robert Cialdini's mental shortcuts), which letter would you most likely read?

If you chose the Allstate letter, congratulations.

The only hot spot favoring the Geico letter is the design treatment of the P.S. Unlike the subtle Allstate P.S., the Geico P.S. demands your eyes' immediate attention with its wavy blue border and contact information appearing in blue.

One important hot spot not mentioned above is disclosure copy. You can be sure that when scanning a letter, the presence of a large block of small-type disclosure copy sends a "warning" signal to the brain that negative information may be lurking in all those words.

Glancing at the bottoms of both letters you'll see that while the Allstate letter contains no block of disclosure copy under the P.S., the Geico letter includes four paragraphs under its P.S.

Like last month's envelope smack down, we'll never know which letter actually worked better and why.

Major direct mailers like Allstate and Geico spend millions a year on direct mail and are always working with their direct response agencies on testing.

And they NEVER disclose the direct mail secrets they discover through constant testing.

The only way to really know which letter hot spots work best for your bank or credit union is by testing. And this is why it is extremely important to partner with a direct response agency.

A direct response agency's scientific approach to dissecting everything from newspaper ads to direct mail packages ensures that your marketing dollars are being spent on elements that work and are cost-effective.

Again, the winner is really you – the newsletter reader.

Having read the February, March, and now April issues of the ACTON Marketing newsletter, you are well-informed about the three-second rule and the fact that consumers use mental shortcuts for making quick decisions.

You've become familiar with some of the mental shortcuts your customers and prospects use when determining whether or not to read your newspaper ads, open your outer envelopes, and read your direct mail letters.

Our ongoing goal is to help make you better, more informed marketers.


"The old saying that 'you've got only five seconds to capture a reader's attention' is true. Putting a variety of attractive and interesting elements on a page increases the span from five seconds to 10 to 60 – and to an order. So no matter where the eye falls, the arrangement and variety stirring there spark interest."

   Don O'Brien, graphic designer


Past Issues of the Newsletter

All past issues of the ACTON Marketing, LLC newsletter are available online in the archive.

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