I hate regurgitating Seth Godin on blogs but here is a good one: “Change (and the fortunes that go with it) is almost always made during the down part of the cycle. It might not be fun, but it’s exciting. (Where do you think Google came from?) The opportunity is to find substantial opportunities (in any field) that deliver real value and have a future.”

If you think this means more people will buy from a Direct Firm like Geico you’d be wrong. “trust” will be the commodity in the years ahead.