Due to a combination of outsourcing and infighting, senior IT directors were moved sideways during the late 1990s and early 2000s. It is time for them to reclaim their role.

This will be a lot from the '60s, with a little from the late '50s and early '70s. It will have the Motown sound, the British invasion.

Value has become more important over time due to a combination of factors such as incentives, lease rates and consumer perception of the finance and insurance manager or loan officer. These factors, together with rising consumer expectations, have put increasing pressure on auto finance companies to provide excellent service to their customers.

My parents came over from Barbados in the late 1950s and early '60s.

The weaker (gold-dollar) correlation late last year and early this year was due to the overwhelming enthusiasm among the speculative community to drive prices higher.

I'm an early guy and a late guy.