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The telephone sales representatives are paid an average of $12 an hour.
There, the telephone sales representatives are often not licensed brokers.
Telephone sales representatives call customers at night to tout new options.
Her mother is a telephone sales representative in the classified advertising department of The New York Times.
In the last decade, Ms. Stephens said, she has had jobs as a waitress, a taxi dispatcher and a telephone sales representative.
It prepared its telephone sales representatives for the expected onslaught of calls from investors wanting to unload shares in "junk bond" mutual funds.
But critics in government and industry say amateur investors are being misled by zealous telephone sales representatives who greatly exaggerate the claims and play down the many risks.
Even so, many customers have other complaints: Local telephone sales representatives do not know what I.S.D.N. is, and service is not available, even in some metropolitan areas.
"I took an application from one lady in a Government hospital, then she passed the phone to the next person," said Denise M. Parrillo, a telephone sales representative for the Bank of Boston.
This marketing strategy proved tremendously successful, and the company soon became a major competitor in the industry, as well as expanding its marketing to more traditional venues such as television advertising and telephone sales representatives.
Jason Koch, a 24-year old telephone sales representative for Hewlett-Packard who lives in Baltimore, had identified himself as a Bush supporter in a New York Times/CBS News Poll before the debate.
The airline's plans to phase out its telephone sales operation have been a major point of contention in recent contract negotiations with the union, which represents the airline's telephone sales representatives, airport customer service agents and airport mechanics.
And the company has spent millions of dollars in recent years writing computer programs that enable its telephone sales representatives to learn, typically in less than a second and a half, whether an item is in stock, and, if not, whether an alternative is on hand.