OOB,
Its just writing on a web page.....designed to evict that kind of response.
As for PHS.
Nothing personal, as I said; the first impression counts. When your looking to spend big bucks, someone sitting down discussing your situation over a coffee is a whole lot more indicative of what their attention to customer service and care is. Also shows that after your licence they may be interested in you for longer than it takes the ink to dry on your final check.
Aust Pilot asked for others experiences and that is mine...
Don't forget to fly safe now....