Sane

I've worked in the market for a couple years, and have had my share of failures and successes. I can guarantee that a flat design with Times New Roman font, like something from 1994, won't have a substantial hook on the market. With all of the top-notch sites these days, anyone who's ready to open their wallet will be looking for visually appealing web sites. No matter how well coded and friendly your service is, you won't rake in the green unless it's something that will catch the attention of the market. Otherwise you will only acquire the occasional investor and petty cash. If you want the big money, create something that will get everyone who stumbles across it, to remember it.