Columns: At the helm: The free agent market Let's get the story straight on dumping Building a strategy to sell credit insurance In Their Own Words: Knowledge is power In The News: Miami nice Heard at the show What you can learn from: Whatever it takes Marine Mover & Shaker: William H. McGill, Jr. Sailboat study reveals optimism Following foreign footsteps Giving thanks in Iraq Making the COMITTment F&I weathers stormy fall Features: 3 Wise Men Capital Ventures Old salt, new salt A question of loyalty