#1 - solid reputation
#2 - Customer Service, ease of money transfers
#3 - variety
Can sacrifice a bit of variety for solid CS and comfort. I think customer service is overlooked too often, if i can't get straight answers, or can never get thru, i don't want to waste my time.
I am VERY happy with each book i am with right now, and wouldn't hesitate to recommend any of them to anyone.