Economists have become more confident that the recovery is coming. However, according to Phil Izzo of The Wall Street Journal, "despite strong demand for the cash-for-clunkers program, the outlook for the consumer continues to be uncertain." But, according Izzo, "even with reduced consumption, the economy can continue to grow and avoid a double-dip recession."

According to Izzo, three keys to sustained growth outlined in a recent research report by Richard Berner and David Greenlaw of Morgan Stanley are credit markets are loosening up; inventory liquidation will be reduced; and more government stimulus projects are coming online.

Although "Cash for Clunkers" is getting mixed reviews in the F&I world, it can still be a catalyst for the industry and your team. Make sure that your team is focused on what's right in front of them ... the customer! Conducting the interview and putting together a menu of products that make sense for the customer is the key to F&I profitability.