turer wouldn't dare put a dealer- ship where there isn't a major /—population," said Mr. Glassman. "All you have to see is what Saturn has done. And that's part of what GM's Project 2000 is all about. As they head toward the year 2000, there's going to be con- solidation in our business. And to- ward that end, you'll find the patterns as to where dealerships move and don't move. \_, Dealers are finding that people are more savvy. Said Mary Tamaroff, "You've got buyers magazines all over. You've got Consumer Reports. All you have to do is go to a newsstand. How- ever, there are always accessories and some things that are not in the books. And sometimes man- ufacturers run specials and that's not in the books either." George Glassman agrees that /-ouyers have become smarter. "You've got the Internet. You've got more choices than ever. It all goes back to people wanting to do business where they're comfort- able, and where they are face-to- face. And that's something that the superstores, in my experience, have not been, and won't be able to do." "Today's consumers are intel- /Ligent, and they are being treat- ed as such. Doing business is not significantly different. It is still a people business market. And I don't think it's going to change. Certainly if somebody doesn't need that factor, doesn't want that factor, there are plenty of cars and car dealerships. And the ones that provide the services that con- \ sumers want will remain." /' Another who sees a positive side to the superstores is Jeff Ru- bin, Tamaroff Buick's business manager. "I think it is only help- ing our business, 100 percent. It is making everyone more ac- countable. The personification of car dealerships in the past has al- ways been shaky and shady. Mr. Tamaroffhas been in business for 9 years, and we haven't been here because we did business like that. So this is making our sales go up, and people who don't do business the way we do are suf- fering. "If there is a dealer shakeout, it may be of those dealers without good reputations, the marginal ones," said Mr. Rubin. For George Glassman, only " .ime will tell as to how the su- perstores will ultimately affect the car buying public. But in no way do I take them lightly. "I am sure that they are going to be here, and are here to stay. As to whether or not they will ul- timately have the impact that some may feel they have, that re- mains to be seen. "You can't shortsell a guy like 9uizenga who overnight became the largest automobile dealer in the country. I think it is too ear- ly in the game to really tell the effect, but it will be far-reach- Happy from the Mortgage Experts at Countrywide "As one of the nation's leading lenders, we offer a wide selection of loan programs and direct access to decision makers at your local branch. Call today, and we'll find the loan that's right for you." Beth Grossman Regional Vice President -Ann Arbor • Detroit • Farmington Hills • Grand Rapids Lathrup Village • Livonia • Troy • Waterford an . Countrywide HOME LOANS Regional Office (810) 262-8580 Equal Housing Lender@ 1996 Countrywide Funding Corporation. Trade/service marks are the property of Countrywide Credit Industries, Inc. and/or its subsidiaries. RBA 960111-296. LLI / STOP \ (810) 541-5025 / Internet EARN HIGHER YIELDS! Everything you wanted to know about the Internet but were afraid to ask ONE STOP Internet is the place to start We • Find the right provider for you • Setup the software you need • Show you how to use the 'net effectively • Do your business or personal web pages VISIT ONE OF OUR LOCATIONS NEAR YOU! `Just call us at (810) 541-5025 and we will help you with the rest. All for surprisingly reasonable rates. Sterling Visit Our Web Site at • ■ ■ http://www.rust.net/-mvs/onestop.htm or e-mail us at mvs@rust.net ■ ■ ■ BERKLEY • (810) 546-2590 BIRMINGHAM • (810) 646-8787 CLAWSON • (810) 435-2840 ROCHESTER • (810) 656-5760 bank &trust 4111•Mlb. SOUTHFIELD • (810) 948-8799 W. BLOOMFIELD • (810) 855-6644 "We create solutions."® FDIC ANNUAL PERCENTAGE YIELD EFFECTIVE AS OF 11/15196. RATES SUBJECT TO CHANGE WITHOUT NOTICE. 'MONEY MARKET: S2.500 MINIMUM BALANCE REQUIRED. STATEMENT FEES MAY REDUCE EARNINGS IF MINIMUM BALANCE IS NOT MAINTAINED. Is Your Financial House In Order?? Call PHASE FOUR for a complimentary consultation (810) 559-6980 JOEL LEVI, CFP TRISH WELLMAN, CFP Phase Four Advisory, Registered Investment Advisor 17117 West 9 Mile Road, Southfield, MI 48075 Securities offered through Vestax Securities Corporation, Member, NASD & SJPC 1931 Georgetown, Hudson, OH 44236 (216) 650-166()