What is the 50-20 paradox? How did we reach a negative savings rate? What happened to the personal debt-to-income ratio during this 15-year period? What is happening with the use of debit cards? What does this mean? In what ways is the economy affecting dentists, guns, and vasectomies? What is "liquid life"? How is this affecting consumers? How did Frito-Lay use liquidity to better target their consumers? How did the San Francisco Giants better market to their customers? How can companies support the movement towards ethics and fair play? What company example mentioned in the talk most interests you and why? How did this company try to better market to their consumers?