16. The apparatus of claim 14 , further comprising: receiving a response to the marketing communication from the first recipient.
14. An apparatus for transmitting a marketing communication, comprising: a processor; and a memory storing: profile data for a plurality of recipients; a template for the marketing communication, the template comprising a marketing message, the template including universal information that is transmitted to all recipients of the marketing communication, the marketing communication comprising a telephonic communication; sets of variable information to be included in the marketing communication based on the profile data of individual recipients, the profile data of individual recipients comprising an annual income and a credit rating for each of the plurality of recipients, where each of the sets of variable information comprises information on a specific marketing offer, the specific marketing offer comprising an offer of a specific product; and a plurality of processing instructions which, when executed by the processor, cause the processor to perform operations, the operations comprising: presenting an option to a human user to insert a personal message in the marketing communication for a first recipient of the plurality of recipients, wherein the personal message is personalized to the recipient, wherein the personal message satisfies a conformance rule, wherein the personal message is certified as conforming to the conformance rule before the personal message is entered in the marketing communication; wherein the certifying conformance to the conformance rule comprises confirming from the human user that the personal message does not exceed a predetermined length before the personal message is inserted in the marketing communication; and transmitting the marketing communication to the recipient of the plurality of recipients, the marketing communication including a set of the sets of variable information based on the profile data corresponding to the recipient and including the personal message.