Bad request on Localhost webservice

Oh, sorry that's the XML I'm putting in the request.

The generated default request is

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:cog="http://RedlineApplicationServices.com/CognitionAI/">
   <soapenv:Header>
      <cog:MessageHeader>
          <!--Optional:-->
          <cog:MessageID>?</cog:MessageID>
      </cog:MessageHeader>
   </soapenv:Header>
   <soapenv:Body>
      <cog:AccountInteraction>
         <!--Optional:-->
         <cog:request>?</cog:request>
      </cog:AccountInteraction>
   </soapenv:Body>
</soapenv:Envelope>

so I'm taking out the optional MessageID element in the header and putting my XML into the request section, which gives

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:cog="http://RedlineApplicationServices.com/CognitionAI/">
   <soapenv:Header>
      <cog:MessageHeader>
      </cog:MessageHeader>
   </soapenv:Header>
   <soapenv:Body>
      <cog:AccountInteraction>
         <!--Optional:-->
         <cog:request>
 <AccountInformationRequest xmlns="http://RedlineApplicationServices.com/CognitionAI/AccountInformationRequest.xsd">
     <Authentication>
  <LoginName>WWWWWW</LoginName>
  <Password>KKKKKKK</Password>
     </Authentication>
     <Directives>
  <Environment>TRIAL</Environment>
  <RequestedAction>AccountSummary</RequestedAction>
  <CustomerReference>77777</CustomerReference>
  <AccountReference>000000111111</AccountReference>
     </Directives>
 </AccountInformationRequest>
         </cog:request>
      </cog:AccountInteraction>
   </soapenv:Body>
</soapenv:Envelope>

Am I doing it wrong?

Thanks

Chris