Neo, the digital wallet of Audi Bank (cough, ahem!) has a new ad which basically riffs on the late Ziad Rahbani in a timely (even if catching it by the end of the time - because the funeral has been off for a while). To explain "bala wala fee" is a wink to his hit "bala wala chi" (which translates into "without anything"). I do understand the people's urge to start humming (me humming off key if you want to know), but also this is forgettable. It does not enter into the annals of ads. And yes, this being a subsidiary of a bank makes it an case of adding insult to injury.