. For instance, did you know that 10 percent of us will face a major health issue? That's why a leading insurance institute said that health is the biggest financial risk we face, and why it's the biggest coverage area. I also recently read that 60 percent of customers who purchase a vehicle service contract used it at some point over a five-year period, with the average customer getting back 70 percent of their investment in benefits. What that means is we're six times more likely to need the service contract than the next biggest risk we face in life. Now that's a game changer! We are facing a unique time in the F&I office. As we tackle these challenges, we will emerge stronger and more effective in our ability to help customers. Challenges promote growth and produce champions, so let's not make excuses or evade the challenges. Instead, let's face them head on and make 2010 a record year.