The refineries are making the money. Most refineries also are in the crude business, so they make money on both sides.

DOE is right-on with its estimate. But we will see a lot of spikes outside of the forecasted range in April and May, maybe as high as $3 a gallon around Memorial Day, before trailing in June and July.

It is typical that in January we will see a rise (in prices), this year it looks particularly volatile.

Since Christmas, there has been a 14 cent increase locally in crude oil prices. At this point it looks like the prices will continue to rise.

Given the crude price hikes, pump prices should top $3 a gallon in the next week or so.

A trainer needs to be an effective listener. They should treat you as an individual and ask a lot of questions about you – your likes, dislikes, and goals. If they don't take the time to understand you as a unique individual, they'll end up giving you a cookie-cutter training approach.