Commercials

There are two amazing commercial lines out there right now:
1. You don't know what you don't know. (H&R Block)
2. Why should I have to pay for something that I shouldn't have to pay for? (Charles Schwab)

These aren't stupid, low-budget local commercials. They're national commercials written by professionals for huge companies.

I have just three questions:
1. Who comes up with this stuff?
2. How much do they get paid?
3. Where do I sign up? I have lots of ideas.