We continue to believe that it's a very good deal for consumers. If there are some changes that can make it better, we support the commission in doing that.

Hyundai's ascendancy shows that American consumers are always open to a good deal.

We also will continue to partner with the Pistons to do a great deal of work in the community. Rock Financial has given away nearly 20,000 tickets to area youth organizations in the past two years and we'll do that again this year. Many of the young people that receive tickets might not otherwise have an opportunity to attend a professional basketball game.

Consumers could be in for an even sweeter deal, either getting discounts from retailers for using the PIN debit cards or being rewarded by card network by winning money back for using the signature debit cards.

Unfortunately, you need a crystal ball to figure out if you'll be one of the winners.

Our experts came up with numbers that were substantially smaller than that.