In the early 1990s, the agency I was working for had a big name bank as a client. The agency’s list of deliverables were these broadly: brand & communication strategy, creatives including press ads, TV spots, radio, outdoor, leaflets and direct mailers, a media plan and media placement, language translation, print production services and account management & co-ordination. Almost all of the services were in-house and the account head had access to all the ‘specialists’…