If your premium product isn't selling, there's no shame in pushing low-end items to keep sales up. Just make sure that by going cheap, you don't cheapen your brand.
"I hate to use this phrase, but we really are the Wal-Mart of financial services," says Charles Schwab. His hesitation is understandable -- when you are trying to persuade investors that your firm is the place to entrust $100,000 or $1 million of their sa