I never read banner ads. That's why I was surprised to find myself clicking on a banner the other day. The ad intrigued me because it offered to fulfill a pressing need I had. Over the years, I had developed what I thought was a fairly slick proposal template for my search engine optimization business. But still the document lacked an edge. I knew I had lost a couple of recent pitches to my competitors and I wondered if there was something about their proposals that I was missing in mine. Y.