What Do You Predict For 2016?

[joe.pistell]

... The Fed will be forced to raise rates, which means there will be more pressure on captive financing. We'll see incentives close to pre-2008 levels to try to maintain the sales momentum from the previous two years. These three things combined will put pressure on overly-leveraged OEMs...

It's not 2016 yet and @Bill Playford's epic post gets stage #1 right (The Fed just made it's 1st rate increase in years).