Super Bowl ads: From Clydesdales to koalas

Despite a deep recession, advertisers are willing to shell out $3 million for 30 seconds of time during the biggest game of the year.

"This little, financially-savvy, street-wise baby has seemed to really tap a nerve with more independent investors," said Tor Myhren, chief creative officer of Grey New York, the ad agency behind the commercials. "He shows that anyone can do it."

The talking baby is back for E*Trade's 2009 spot. He fiddles with his Blackberry. He spits up with displeasure over the economic crisis. He jokes with other babies. He drops urban slang and expresses his affinity for "bad girls." He even checks out an adult woman's derriere.