Virtual Assistant Practice Test

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When people explore remote work opportunities, the comparison between virtual assistant vs customer service roles comes up constantly โ€” and for good reason. Both positions offer flexible schedules, remote-friendly environments, and a chance to build meaningful professional skills without needing a four-year degree. But the two roles are fundamentally different in scope, daily tasks, stress levels, and long-term earning potential. Understanding exactly how they differ is essential before committing to either career path.

When people explore remote work opportunities, the comparison between virtual assistant vs customer service roles comes up constantly โ€” and for good reason. Both positions offer flexible schedules, remote-friendly environments, and a chance to build meaningful professional skills without needing a four-year degree. But the two roles are fundamentally different in scope, daily tasks, stress levels, and long-term earning potential. Understanding exactly how they differ is essential before committing to either career path.

A virtual assistant (VA) typically works as an independent contractor or full-time remote employee providing administrative, technical, or creative support to one or a small number of clients. Tasks might include managing calendars, handling email correspondence, conducting research, updating social media accounts, bookkeeping, and coordinating projects. The role demands self-direction and a broad skill set, since the VA is often the client's entire support team rolled into one efficient professional.

Customer service representatives, by contrast, are almost always employed by a single company and spend the majority of their working hours responding to inbound inquiries from consumers. These inquiries arrive via phone, live chat, email, or social media, and they typically involve troubleshooting products, processing returns, answering billing questions, or de-escalating complaints. The work is more reactive than proactive, and success is measured with metrics like average handle time and customer satisfaction scores.

Both careers sit firmly in the communications sector, but the internal experience of each day looks quite different. A VA's morning might begin with reviewing a client's inbox, drafting a newsletter, and scheduling podcast interviews โ€” all before noon. A customer service rep's shift might open with a queue of 40 waiting tickets and a supervisor monitoring call times in real time. Neither scenario is inherently better, but personality fit matters enormously when choosing between them.

Compensation structures also diverge sharply. Customer service jobs typically offer an hourly wage or modest salary with employer-provided benefits. According to the U.S. Bureau of Labor Statistics, the median annual wage for customer service representatives was approximately $37,780 in 2023. Virtual assistants, especially those who specialize in high-demand niches like bookkeeping, digital marketing, or executive support, can command significantly higher rates โ€” anywhere from $25 to $75 per hour โ€” but they must also manage their own taxes, benefits, and client acquisition.

Career trajectory is another major differentiator. Customer service roles often lead to team lead, supervisor, or quality assurance positions within a company's support hierarchy. Virtual assistants who build strong client rosters and diversified skill sets can evolve into online business managers, agency owners, or specialized consultants. The ceiling for VAs is arguably higher, but the path requires more entrepreneurial initiative and self-promotion than most customer service career ladders demand.

This article breaks down every significant dimension of the virtual assistant vs customer service comparison โ€” from day-to-day duties and required skills to salary benchmarks, advancement opportunities, and practical advice for choosing the role that best aligns with your strengths. Whether you are just entering the workforce or pivoting from an in-office career, the analysis below will give you a clear, honest picture of what each path offers and what it costs.

Virtual Assistant vs Customer Service by the Numbers

๐Ÿ’ฐ
$37,780
Median Customer Service Salary
๐Ÿ’ป
$25โ€“$75/hr
Typical VA Hourly Rate
๐Ÿ“Š
9%
VA Industry Growth Rate
๐Ÿ‘ฅ
2.9M
Customer Service Jobs in U.S.
๐ŸŒ
74%
VAs Work Fully Remote
Test Your Virtual Assistant vs Customer Service Knowledge

Core Role Definitions: What Each Job Actually Involves

๐Ÿ’ป Virtual Assistant

An independent or employed professional who provides remote administrative, technical, or creative support to clients. Tasks are project-based and vary widely โ€” from inbox management and research to social media scheduling and bookkeeping โ€” requiring strong self-management.

๐Ÿ“‹ Customer Service Representative

An employee who handles inbound inquiries from a company's customers via phone, chat, or email. Work is reactive and metric-driven, centered on resolving complaints, processing requests, and maintaining satisfaction scores within established company protocols.

๐Ÿ”„ Hybrid / Overlap Roles

Some organizations hire VAs specifically for customer-facing tasks like inbox triage, live chat support, or CRM data entry. These hybrid roles blend both worlds and can be an excellent bridge for professionals transitioning from customer service into broader virtual assistant work.

The skill sets required for virtual assistants and customer service representatives share a foundation of strong written and verbal communication, but they diverge substantially beyond that baseline. Customer service reps need active listening, conflict de-escalation, and the ability to follow scripted protocols accurately under time pressure. VAs, on the other hand, must be self-starters who can manage multiple projects simultaneously without the scaffolding of a corporate process manual guiding every action.

Technology proficiency requirements also differ. Customer service teams typically work within a single Customer Relationship Management (CRM) platform โ€” Salesforce, Zendesk, or Freshdesk being the most common โ€” along with whatever telephony or chat software the company uses. Training is provided and usually standardized. Virtual assistants must be comfortable across a much broader technology stack: project management tools like Asana or Trello, communication platforms like Slack, scheduling software like Calendly, and sometimes industry-specific tools ranging from QuickBooks for bookkeeping clients to Canva for graphic design tasks.

Problem-solving approaches also reflect the structural differences between the two roles. Customer service environments rely on escalation trees โ€” if a rep cannot solve a problem, it moves up the hierarchy to a supervisor or specialist team. Virtual assistants rarely have that safety net. When a client's website goes down, when a travel booking falls through, or when a spreadsheet formula produces errors, the VA is expected to diagnose the issue and resolve it independently, or at minimum to research solutions and return to the client with options.

Work environment and schedule flexibility separate the roles in meaningful ways too. Customer service jobs, even remote ones, tend to require strict adherence to shift schedules, since queues must be staffed at predictable hours. A rep working a 9 a.m. to 5 p.m. EST shift is expected to be logged in and handling tickets throughout that window. Virtual assistants often have considerably more flexibility, especially those who work with clients in different time zones. A VA supporting a UK-based client might front-load their work in the early morning hours and finish before American business hours even begin.

Stress profiles of the two roles deserve honest comparison. Customer service, particularly phone-based support, consistently ranks among the most psychologically demanding remote jobs. Reps face irate customers, strict performance metrics, and limited control over their workload volume. Virtual assistant work carries its own pressures โ€” client expectations, scope creep, and the ongoing need to market oneself and retain business โ€” but the absence of reactive, real-time consumer pressure makes it a lower-burnout environment for many professionals.

Team dynamics look very different as well. Customer service reps are embedded in larger departments with daily team meetings, supervisor check-ins, and peer accountability structures. Many people thrive in this environment and find the social architecture motivating. Virtual assistants, by contrast, often work in near-total isolation, communicating with clients primarily via asynchronous tools. Extroverts who need regular human interaction sometimes find VA work lonelier than expected, while introverts who recharge through solitude frequently prefer it.

Both roles reward professionals who invest in continuous learning, but the nature of that learning differs. Customer service advancement often comes through mastering internal systems, product knowledge, and people management. Virtual assistant growth comes through expanding your service menu โ€” adding skills in SEO, podcast production, digital advertising, or automation โ€” and commanding higher rates as a specialist rather than a generalist. Investing in practice and certification early pays dividends in both fields.

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Virtual Assistant Client Communication and Management 2
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Compensation, Benefits, and Earning Potential Compared

๐Ÿ“‹ Customer Service Pay

Customer service representatives in the United States earn a median hourly wage of approximately $18.16, translating to around $37,780 annually according to the Bureau of Labor Statistics. Entry-level positions at call centers or retail companies often start at $14 to $16 per hour, while senior reps at technology companies or financial institutions can reach $55,000 or more. Most full-time positions include employer-sponsored health insurance, paid time off, and retirement contributions โ€” benefits that independent VAs must fund themselves.

Performance bonuses in customer service are common but modest, typically tied to metrics like customer satisfaction scores, first-call resolution rates, or upsell conversion percentages. Remote customer service jobs at major technology companies (Apple, Amazon, or Chewy, for example) tend to pay at the higher end of the scale and offer more generous benefits packages. The trade-off is greater schedule rigidity and more intensive performance monitoring compared to typical VA arrangements.

๐Ÿ“‹ Virtual Assistant Earnings

Virtual assistant rates span a very wide range depending on specialization, experience, and client type. General VAs handling administrative tasks typically charge $15 to $30 per hour when starting out. As they add specialized skills โ€” social media management, podcast editing, bookkeeping, or executive support โ€” rates commonly climb to $40 to $75 per hour. Some highly specialized VAs working with high-income entrepreneurs or corporate clients bill at $100 per hour or more. Annual income for full-time VAs ranges from roughly $40,000 to well over $100,000 for top specialists.

The financial picture for VAs must account for self-employment realities: approximately 15.3% of earnings go toward self-employment tax, and health insurance premiums must be paid out of pocket unless the VA is covered through a spouse or partner's plan. Tools, software subscriptions, and continuing education are also business expenses. That said, many of these costs are tax-deductible, and the potential to scale income by adding clients or raising rates gives VAs earning leverage that hourly customer service roles rarely offer.

๐Ÿ“‹ Benefits Comparison

Full-time customer service employment provides a benefits package that is genuinely valuable and often underappreciated by those attracted to the freedom of freelance VA work. Employer contributions to health insurance can be worth $5,000 to $15,000 annually, and 401(k) matching programs add further hidden compensation. Paid sick days, employer-covered life insurance, and professional development stipends round out packages at better employers. These benefits effectively increase total compensation well above the stated salary figure.

Virtual assistants who want comparable coverage must build it themselves. A solo VA enrolled in an Affordable Care Act marketplace plan might pay $300 to $600 per month for individual coverage. Retirement savings require personal discipline with a SEP-IRA or solo 401(k). The absence of employer-provided benefits is the single largest hidden cost of independent VA work, and professionals comparing the two careers should translate missing benefits into real dollar values before concluding that a $50-per-hour VA rate automatically outperforms a $45,000 customer service salary.

Virtual Assistant vs Customer Service: Honest Pros and Cons

Pros

  • VAs enjoy greater schedule flexibility and autonomy than most customer service shifts allow
  • VA earning potential scales with specialization, reaching $75โ€“$100+ per hour for niche experts
  • Customer service roles provide employer-paid benefits worth thousands annually
  • Customer service reps benefit from structured training, clear protocols, and team support
  • VAs can choose clients and projects aligned with personal interests and strengths
  • Customer service experience builds transferable conflict-resolution and communication skills

Cons

  • VAs must handle their own taxes, health insurance, and retirement savings
  • Customer service reps face high burnout rates due to reactive, metric-driven work
  • VAs must continuously market themselves and manage client acquisition
  • Customer service shifts can be rigid, with limited flexibility for schedule changes
  • VA income can be unpredictable, especially during early career stages
  • Customer service advancement paths are narrow and often require internal promotions
Virtual Assistant Client Communication and Management 3
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Virtual Assistant Client Communication and Management 4
Sharpen your skills with practical client management and communication practice questions

Career Growth Checklist: What to Build in Either Role

Master at least one major CRM platform (Salesforce, HubSpot, or Zendesk) to stay competitive in both fields
Develop strong asynchronous written communication skills for remote-first work environments
Build a portfolio or document measurable results (tickets resolved, client projects completed, revenue saved)
Earn at least one recognized certification โ€” IVAA for VAs, HDI or ICMI for customer service professionals
Learn basic data analysis to report on your own performance metrics and demonstrate business impact
Practice active listening and empathy techniques that are valued in both customer-facing and client-support roles
Set up a dedicated, professional home office with reliable high-speed internet and noise-canceling audio
Build a LinkedIn profile optimized for remote work keywords to attract recruiters and prospective clients
Create systems and templates for recurring tasks to maximize efficiency and scale your capacity
Identify a specialization โ€” executive support, e-commerce, real estate, medical โ€” to command premium rates as a VA
Customer Service Experience Is a VA Superpower

Professionals who begin in customer service and then transition to virtual assistant work bring an underappreciated advantage: they already know how to manage difficult conversations, document interactions clearly, and operate under time pressure. Many clients specifically seek VAs with customer-facing backgrounds for inbox management and client communication roles, making this career sequence more common โ€” and more lucrative โ€” than most people expect.

Personality alignment is arguably the most important factor when choosing between virtual assistant and customer service work, yet it is also the factor most job seekers ignore. Skills can be learned. Technology can be mastered. But if your core personality traits run counter to the daily demands of a role, the work will drain you faster than any technical challenge could. Taking an honest inventory of your working style before committing is time well spent.

Customer service roles are best suited to people who genuinely enjoy helping others solve problems in real time and who can maintain emotional equilibrium when dealing with frustrated or angry customers. If you find satisfaction in turning a negative interaction into a positive one โ€” and you can do that repeatedly throughout an eight-hour shift โ€” customer service can be deeply rewarding. Professionals who are energized by human contact and thrive on immediate, tangible feedback will find the work engaging rather than exhausting.

Virtual assistant work suits people who are highly self-directed, comfortable with ambiguity, and energized by variety rather than routine. A VA who gets bored doing the same task repeatedly will enjoy the constant context-switching that comes with supporting multiple clients across different industries. However, that same variety can feel destabilizing for professionals who prefer clear, consistent expectations and defined boundaries. The VA role requires you to build your own structure rather than step into one that already exists.

Risk tolerance is another dimension worth examining. Customer service jobs offer predictable paychecks and the psychological safety of being employed. If losing a single client would create financial hardship, the stability of a customer service position may be more appropriate while you build an emergency fund and develop secondary skills. Many successful VAs begin their transition by keeping a part-time customer service job while building their VA client base on the side, reducing the income risk of a sudden shift.

Your stage of life matters too. A recent college graduate with low overhead and high energy for hustle might thrive building a VA business from scratch. A parent of young children who needs predictable hours and reliable benefits might be better served by a strong remote customer service role that provides structure during school-year schedules. Neither path is a permanent commitment โ€” people transition between customer service and VA work regularly as their circumstances evolve.

Consider also where you want to be in five to ten years. If managing a team, advancing in a corporate hierarchy, or building a career within a specific industry sounds appealing, customer service can be a strong starting point. If owning a business, working with diverse clients, or eventually leading a VA agency excites you, beginning your journey as a general VA and specializing over time is the cleaner path. The two career tracks do intersect โ€” many customer success managers and account executives started in frontline customer service โ€” but they diverge significantly at the senior level.

Finally, do not underestimate the importance of lifestyle design. Virtual assistants who serve clients in different time zones can work unconventional hours and travel internationally while maintaining their income. Customer service reps, even fully remote ones, typically cannot. If geographic freedom and schedule autonomy matter deeply to you, the VA path aligns more naturally with those values, provided you are willing to invest the early effort required to build a sustainable client base and reputation.

Transitioning between virtual assistant and customer service work is more common than most career guides acknowledge, and it is often a deliberate strategic move rather than a sign of career instability. Customer service professionals frequently pivot to VA work once they have built confidence in remote communication and problem-solving. VAs sometimes move toward customer service leadership roles after discovering they enjoy managing teams and systems rather than individual client delivery. Understanding how to make either transition successfully can open doors that a siloed career view would miss.

If you are a customer service rep considering a move into virtual assistant work, your most valuable asset is your communication track record. Document the volume of interactions you have handled, the satisfaction scores you have achieved, and any process improvements you have contributed to. Clients hiring a VA for inbox management, customer communications, or CRM data entry will be reassured by evidence that you have performed similar work at scale. Package that experience into a clean portfolio or LinkedIn summary before you begin outreaching.

Building a VA services menu from a customer service background is naturally intuitive. Start with the services most directly related to your existing skills: email management, appointment scheduling, live chat support, or social media inbox monitoring. These are all areas where customer service experience translates directly and where clients are willing to pay competitive rates. Once you have two or three stable retainer clients, you can invest time in expanding your skill set โ€” adding bookkeeping, content writing, or tech support โ€” without the financial pressure of starting from zero.

For virtual assistants considering a move into customer service or customer success roles, the transition is also well-supported. VA experience demonstrates initiative, client relationship management, and multi-tool proficiency โ€” all highly valued by customer success teams at software companies. SaaS companies in particular often hire former VAs for customer onboarding and account management roles, since those professionals already understand the rhythms of supporting busy professionals and navigating diverse technology stacks. Pursue roles titled Customer Success Manager or Client Onboarding Specialist, where VA experience directly maps to job requirements.

Regardless of which direction you are moving, certifications accelerate the transition. The International Virtual Assistants Association (IVAA) offers a Certified Virtual Assistant (CVA) credential that signals professionalism to prospective clients. On the customer service side, the Customer Service Institute of America (CSIA) and HDI offer respected certifications for frontline and supervisory roles. These credentials are not always required, but they demonstrate commitment and give hiring managers or prospective clients a reason to choose you over a candidate with a similar work history.

Networking is disproportionately important during any career transition in this space. Facebook groups and Reddit communities for virtual assistants are active and generous โ€” experienced VAs frequently share job leads, answer beginner questions, and provide honest salary benchmarks. Customer service professionals have similar communities through industry associations and LinkedIn groups. Joining these communities six months before you plan to make a move lets you build relationships and gather intelligence that makes the actual transition far smoother.

Financially preparing for a transition is essential and often underestimated. If you are moving from steady customer service employment to freelance VA work, financial advisors commonly recommend having three to six months of living expenses saved before making the leap.

This runway gives you time to find clients, set competitive rates, and refine your service offering without making desperate decisions driven by short-term cash pressure. The professionals who struggle most in the early stages of VA work are those who needed income immediately and accepted any client at any rate, then found themselves locked into low-paying arrangements that left no time to find better ones.

Practice Client Communication Skills for Virtual Assistants

Practical preparation looks different depending on which role you are targeting, but some foundational steps apply universally. First, audit your technology stack. Both VAs and customer service reps work with digital tools constantly, and demonstrating comfort across platforms is a concrete differentiator. If you are applying for customer service roles, practice with free versions of Zendesk or Freshdesk. If you are building a VA business, spend time with Asana, Notion, and Google Workspace until they feel second nature.

Practice tests and role-specific knowledge assessments are an underused preparation tool in both fields. Customer service exams often assess communication judgment, conflict resolution scenarios, and product knowledge retention. Virtual assistant certifications and client vetting processes sometimes include written assessments of organizational skills and written communication clarity. Taking practice quizzes in these areas helps you identify gaps before they surface in an actual interview or client onboarding call, where the stakes are considerably higher.

Time management is a skill that separates average performers from top earners in both roles. Customer service reps who master their CRM shortcuts and develop efficient note-taking habits handle more tickets per hour and consistently hit their metrics. Virtual assistants who build systems โ€” template libraries, recurring task checklists, SOPs for client onboarding โ€” can take on more clients without proportionally increasing their hours. In both cases, investing in time management skills early produces compounding returns throughout your career.

Communication style calibration is particularly important for VAs who want to serve higher-paying clients. Executive clients and busy entrepreneurs have little patience for vague updates, overly casual language, or lengthy explanations when a bullet point would suffice. Developing the habit of concise, action-oriented communication โ€” stating what you completed, what is in progress, and what you need โ€” makes you stand out from VAs who produce beautiful work but communicate poorly about it. Email etiquette, response time expectations, and professional tone are areas where deliberate practice pays dividends quickly.

Client retention, not just client acquisition, drives long-term VA income stability. A VA who consistently keeps clients for twelve months or longer earns far more than one who frequently churns through new arrangements, because the marketing and onboarding costs of new client relationships are significant. Proactively communicating your workload, meeting deadlines reliably, and periodically suggesting improvements to the client's workflows are behaviors that build lasting relationships. Customer service experience, with its emphasis on satisfaction and repeat interaction quality, is excellent training for this aspect of VA work.

Industry specialization deserves special attention as a long-term strategy. Generalist VAs compete in a broad, price-sensitive market. Specialists โ€” a VA who exclusively supports real estate agents, or one who focuses entirely on podcast production โ€” can charge premium rates because their industry knowledge reduces the client's onboarding burden and increases the quality of output. If you have background in healthcare, legal work, finance, or e-commerce from a previous customer service role, that domain knowledge is a genuine asset for positioning yourself in a higher-paying VA niche.

Whether you choose virtual assistant or customer service work, the professionals who advance fastest are those who treat their role as a craft rather than a job. They study best practices, seek feedback proactively, invest in tools that make them more effective, and consistently look for ways to deliver more value than the baseline expectation.

That mindset โ€” more than any specific credential or technical skill โ€” is what separates a thriving career in either field from one that stagnates at the entry level. Start with one practice quiz today and build your knowledge base from a position of preparation rather than guesswork.

Virtual Assistant Client Communication and Management 5
Advanced practice questions covering complex client scenarios and communication strategies
Virtual Assistant Client Communication and Management Questions and Answers
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Virtual Assistant Questions and Answers

What is the main difference between a virtual assistant and a customer service representative?

A virtual assistant provides broad administrative, technical, or creative support to clients โ€” often as an independent contractor โ€” and manages a wide variety of tasks proactively. A customer service representative is typically an employee who handles reactive inbound inquiries from consumers, following company scripts and protocols. The VA role demands more autonomy and self-direction; the customer service role offers more structure and employer-provided benefits.

Which pays more โ€” virtual assistant work or customer service?

It depends on specialization. Customer service representatives earn a median salary of about $37,780 per year with employer-paid benefits included. General VAs may earn similarly, but specialized VAs in niches like executive support, bookkeeping, or digital marketing can charge $50 to $100 per hour. However, VAs must fund their own benefits, which can offset higher gross rates. Net compensation comparisons should always account for taxes, health insurance, and retirement savings costs.

Can customer service experience help you become a virtual assistant?

Absolutely โ€” customer service experience is one of the strongest foundations for VA work. Communication skills, CRM proficiency, multitasking under pressure, and experience managing difficult conversations all transfer directly. Many clients specifically seek VAs with customer-facing backgrounds for inbox management, client communication, and support coordination. Document your measurable results from customer service roles and use them as evidence in your VA portfolio or LinkedIn profile.

Is being a virtual assistant harder than customer service?

Neither role is objectively harder, but they present different challenges. Customer service is often more psychologically stressful due to reactive interactions with frustrated consumers and strict performance monitoring. Virtual assistant work demands stronger self-management, entrepreneurial initiative, and comfort with ambiguity. Many professionals find VA work less emotionally draining but more demanding in terms of organization, client management, and ongoing business development responsibilities.

Do virtual assistants ever do customer service tasks?

Yes, frequently. Many virtual assistants are hired specifically to handle customer-facing tasks such as monitoring a client's support inbox, responding to social media comments, triaging customer complaints, or managing live chat during business hours. These hybrid arrangements are common in small businesses and solo entrepreneurship contexts where the owner cannot personally manage customer communications alongside other operational responsibilities. VA platforms often list these roles as support-focused VA positions.

What skills do both virtual assistants and customer service reps need?

Both roles require strong written and verbal communication, active listening, time management, and proficiency with digital collaboration tools. Empathy, attention to detail, and the ability to manage multiple priorities simultaneously are valuable in both contexts. Familiarity with at least one major CRM platform โ€” Salesforce, HubSpot, or Zendesk โ€” is an asset for either career. The key divergence is that VAs also need entrepreneurial skills, while customer service reps need protocol adherence and real-time conflict resolution.

How long does it take to transition from customer service to virtual assistant work?

Most professionals can make a functional transition within three to six months if they approach it strategically. The process typically involves building a services menu, creating a portfolio or LinkedIn profile, joining VA communities, and landing a first client through platforms like Upwork, Belay, or referrals. Having three to six months of savings as a financial runway is strongly recommended. Many people begin part-time while maintaining their customer service job to reduce income risk during the transition period.

Are there certifications for virtual assistants or customer service professionals?

Yes for both fields. Virtual assistants can pursue the Certified Virtual Assistant (CVA) credential through the International Virtual Assistants Association (IVAA), or take platform-specific training through providers like Belay or Time Etc. Customer service professionals can earn certifications from the Customer Service Institute of America (CSIA), HDI, or ICMI. While not always required, certifications demonstrate professionalism and give prospective clients or employers a concrete reason to choose you over less credentialed candidates.

Which role offers better work-life balance?

Virtual assistant work typically offers greater schedule flexibility, especially for VAs who work across time zones or serve asynchronous clients. However, VA work can blur work-life boundaries if clear policies are not established with clients early. Remote customer service jobs provide clearer shift boundaries, which some professionals prefer. The best work-life balance in either role comes from deliberate boundary-setting: defined working hours, communication protocols, and policies around response times and after-hours availability.

What industries hire the most virtual assistants compared to customer service reps?

Virtual assistants are heavily concentrated in real estate, e-commerce, coaching and consulting, digital marketing agencies, and executive support for entrepreneurs. Customer service jobs are most abundant in retail, telecommunications, financial services, healthcare, and technology companies. VAs who develop specialized knowledge in one of these high-demand industries can position themselves as industry experts and command significantly higher rates than general administrative VAs competing on price alone.
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