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Yes, I agree, it's crazy. But maybe it's the insurance company who is more to be blamed for providing compensation in these sort of cases. The guy just covered his back really well.
How about when you trip up the pavement, get injured and sue the council? Shouldn't you be looking where you walk...
There are plenty of free Zen-cart templates out there. No need for designers. If you want a high quality one, you can pay whatever you are prepared for. They are not costly.
The banner looks a bit large - out of proportion slightly - but shouldn't have a big impact. You can always move some banners or pictures that appear horizontally to the side. Or better still, perform somy split testing as recommended already.
Black hats have turned towards the dark side.
White hats are still pure and innocent.
Now who decides what is the dark side and what is pure is another matter.
His name is Google. He is the Almighty.
Amazon is a pretty ugly website in my opinion... yet it's the number 1 ecommerce website.
It might have useful cutting-edge features upselling and cross-selling all sorts of their products but its messy pages puts me off. I only go to Amazon to find information on books, especially rare ones...
I used 123 Print before and they were OK. Business cards don't cost an arm and a leg. In fact, I think it is a very competitive sector with printers trying to undercut each other on price.