Semi-literacy infers semi-illiteracy and it is the latter that is growing, not just in the number of persons who are semi-literate, but in the average degree of semi-illiteracy in the simple separate person; the inability to read having become painstaking in how the average retail manager handles policy in his or customer service. Simple transactions take an inordinately longer time to complete; what the customer wants, what the customer needs, what the customer is entitled to or deserves is ignored or disregarded in the convoluted way policy guidelines are read and misinterpreted by managers who have been so systematically undereducated as to leave them at a loss for how to manage policy which is little better than what was once considered middle school reading levels.