1. A method, comprising: receiving speech of a call from a caller at a processor; using the processor to determine a first call destination for the call based on the speech; using the processor to determine whether the caller is in compliance with at least one business rule related to an account of the caller; routing the call to the first call destination when the caller is in compliance with the at least one business rule; and routing the call to a second call destination when the caller is not in compliance with the at least one business rule.