After the ascension of Devendra & Co., when I hear "freak folk" I hear "bank," so even though Joanna distanced herself from that "soulless, mindless, watered-down, image-obsessed, artless stab at John Fahey or Marc Bolan or Karen Dalton or Donovan or Vashti Bunyan," it's not surprising to find The Milk-Eyed Mender's closer "Clam, Crab, Cockle, Cowrie" selling us checking accounts. It's a beautiful song, and the commercial tries to use it to a super emo degree. Still, it's not quite clear how this will get me to open an account at HSBC. The basic storyline: Environmentalists are protesting a group of lumberjacks about to chop down some old, big pines; it turns out one of the protesters "knows" one of the guys with one of the chainsaws. The final tagline: "We recognize how people value things differently. So what we learn from one customer helps us better serve another." You'll see.